The Medway Handyman writes:

Yes, but the same could be said of young inexperienced car drivers.
Their accident rate is disproportionally high, hence the silly money
they have to fork out for car insurance.

As opposed to the zero money forked out by cyclists.

Then cycling must pose very little risk. The insurance industry would
not provide this cover for `zero money' otherwise. Not for long,
anyway...

--
Mark