"If you want to ride in the middle of the road pay road tax!"

I like that answer, Oliver. The roommate I was trying to show there's no road tax did bring up a valid point about cyclists not being required to carry insurance to use the roads. I think it would be very helpful to us and also to motorists who get hit by cyclists when it's the cyclist's fault.

Is an uninsured motorist (road user) policy required for motorists in this country?

join the lcc then. £32 a year, £5million third party insurance.