Tim wrote:

This only would make sense if all people had to have 3rd party insurance -
peds cause accidents too, especially small children. Why should the lorry
driver's insurance have to pay out just because some stupid mum lets her
toddler run out and make him damage his truck?

Most people do in the form of their household insurance which tends to
cover such things. Indeed, I believe it *is* mandatory in its own
right in some countries.

Household 3rd pary liability insurance also isn't unknown to cover
cycling accidents.

Neil