The Day When That Round Car Hit Me Citroen C3

Do any of you have third party liability insurance to cover the extreme rarity that a cyclist might actually be in the wrong.

I don't, but our roads can in no way be compared to those in London. I have had my car damaged by a cyclist who thought he could track stand and landed on my front wing at a set of lights. My pocket was a tad lighter by the time I had paid for the repairs.

This was my first thought. Emilia and I have a mutual acquaintance who ran into the back of a car and caused a fair bit of damage. fortunately the 3rd party CTC insurance picked up the tab.
I figure my CTC membership with built-in 3rd party insurance is £40 a year well spent, because even minor damage to a car these days runs to hundreds of quid and I'd rather have the peace of mind. Plus their legal aid is excellent.