The Day When That Round Car Hit Me Citroen C3

I have third party cover via BCF membership (or racing licence, not sure which), which applies even if it is your fault. Useful because imagine squeezing between a bentley and a bus and scratching the door - it'd cost thousands to repair.

me too.

it's in the silver (and gold) memberships. (racing license is separate) so it only costs £30 odd a year

and I clonked the back of a motor in traffic once with my brake lever and made a scratch/dent, (essentially my fault but he slammed the anchors on for no reason when I was looking behind to pull into the lane) I stayed upright but the driver just drove off, his loss.

I think it's most motorists first instinct to run from trouble.