Only 2% of the five million adults who regularly cycle were covered by a specialist insurance policy, said cycling group CTC. It warned that cyclists faced compensation claims if they were involved in an accident.
Its director, Kevin Mayne, said: "Most cyclists don't give third-party insurance any thought. Cycling is safe and healthy, but it's dangerous to ignore the threat of legal action in the event of an accident. Although some household insurance policies offer a degree of third-party cover, many exclude road traffic accidents."
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