I totally agree with you , Parents should take responsibility for their children, and for their children's bicycles, I wonder how many kids own bikes that have become defective because the parents can't be bothered to service them, a child with a defective bike on a public road in my opinion is a potential recipe for disaster. So say a block insurance policy was to become available for family of cyclists then at least the cyclists are covered in the event of an accident, and because insurance companies would insist that all cycles were road worthy before insurance would be given surely that would be beneficial to all parties, and i still think that some sort of compulsory test should be undertaken by cyclists before they are allowed on the road, so as to ensure the cyclist has the basics of road safety. I believe that some bikes today can cost as much as a good second hand car, lets suppose that two cyclists are involved in an accident with each other and one is at fault, if insurance is involved then at least you have the peace of mind to know that your equipment is covered. I also believe that most parents would welcome such a scheme.
The costs involved would probably be less than the current cost of a TV license.
I know that there are many inconsiderate motorists who pose a danger to other road users and I dare say the same can be said about cyclists, I have seen cyclists ignore red stop lights and continue into the path of on coming vehicles and cyclists who ignore people at pedestrian crossings, I feel that insurance for cyclists should be compulsory.
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