Right I have just checked and found out the following:
Traffic accidents
This information applies to England, Wales, Scotland and Northern Ireland
- Traffic accidents
Bicycles
If someone has been in an accident involving a bicycle, they should be aware that cyclists do not have to be insured for damage to the bicycle, any other vehicle or for personal injury. However, the cyclist may be covered under another insurance policy, for example, their home contents policy. If the accident happened on the way to or from work, or whilst at work, the person who had the accident may be covered by their employer?s insurance or may be able to obtain advice and assistance from a trade union.
If the cyclist has inadequate insurance it will probably be easier to claim on the insurance of the person who had the accident and let the insurance company take action against anyone who is liable.
If none of these is possible, the cyclist could be sued in court for compensation - see under heading Taking court action.
But also this:
Children
If someone is involved in an accident caused by a child, it can be difficult to prove that the child's behaviour has been negligent. Even if negligence by the child can be proved, it may not be worth pursuing any legal action as the child is unlikely to have any money. However, a judgment can be enforced for six years following the date of the judgment, during which period the child may become able to pay.
If the child was accompanied by a responsible adult at the time of the accident, it may be possible to sue the adult, if it can be shown that the adult acted negligently by failing to supervise the child properly.