Drivers should be liable for the operating risk of cars and be insured accordingly.

Operating a combustion engine with 50+ bhp to move a tonne of metal on the public highway certainly carries much more risk to others than if the person decided to walk.

With an alleged 1.2 million uninsured drivers on Britain’s roads and a new risk concept (i.e. operating risk) to cover, the cycling campaigners’ ally on this could well be the insurance industry.