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@andy.w
The kid in my post was part of a club ride only he hadn't manage to get through the lights. Some of them had and some hadn't and neither had I. They were all passing on the right and I had allowed them room to do so.
He stopped and fell onto the car. I got out mainly to see if he was OK and then moved the car around the corner so as to not block the junction. Some of the other riders were trying to imply that I was in the wrong and should be paying to fix the kids bike, I offered him a lift home or to the hospital for a check up, but was pretty much told to go jump. I hadn't noticed the damage to the car until after they had all buggered off. Police were called but could offer no help as I hadn't taken any details. Should have found out what club they were in really.
As to the insurance issue I think it should be up to the individual, I will probably get some just in case.
There is a debate about this in kayaking at the moment aswell.