Insurance for cyclists limited in protection

I read with interest that NTUC Income is introducing an accident insurance policy for cyclists and users of mobility devices ("Insurer launches policy for cyclists, users of mobility devices"; Thursday).

While there is coverage for third-party liability, how can pedestrians injured by cyclists and users of mobility devices claim compensation?

If bicycles do not have licence plate numbers, and pedestrians have no recourse to hold cyclists responsible, especially in hit-and-run cases, then, insurance protection is limited.

We should seriously consider mandating the registration of bicycles to track offending cyclists when pedestrians are hit along shared footpaths.

With advanced technology, there could be a microchip embedded in the bicycle registration plate to facilitate ownership identification.

Pending the completion of dedicated paths for cyclists and mobility device users and pedestrians across the island, I hope the authorities can, in the meantime, explore various possibilities to make footpaths safe for all parties.

Andrew Seow Chwee Guan

A version of this article appeared in the print edition of The Straits Times on April 23, 2016, with the headline 'Insurance for cyclists limited in protection'. Subscribe