Like it.

On a more serious note, interesting link here about insurance for cyclists. I mostly agree with the recommendation but with the following opinions of my own:

http://www.bbc.co.uk/news/business-15892074

I realise it's about scales of risk but you could argue that everyone should have personal liability insurance on much the same justifications.

Having been caused serious personal injury and cost of damaged property by a pedestrian in an incident witnessed by a policeman, where said pedestrian was apprehended by said policeman but still been advised I had little chance of taking action against her I wonder how big the risk of being sued is.

I take exception to the language in this statement:

How many of us cyclists have been off work for weeks or months due to a cycling incident given this 'good chance' of it happening?