Ah, sorry, I see what you mean. Yeah, I'd say most don't have insurance. 
  
 
  
Even less than with a car unfortunately. At least with a car you can take the VRM. 
  
A cop can, in a roundabout fashion, arrest someone for not providing their details, but if there are no cop's around it's a pretty poor situation to be in. 
  
  
Just as I thought.   
  
  
Thanks for that info.  Just means that if a cyclist were to hit my car and not play ball I would feel less guilty about hitting them with their bike as if it didn't hit my car it didn't hit them......   
  
  
I still think that ALL road users should have insurance.