I've got grown up kids, and an 8 yo, she has a bike, and I've made sure she rides it properly, as for the "insuring costing too much if you've got kids" bull, how do the Dutch go on then?? they pay road tax and the majority are insured, it doesn't take much working out, unless your one of the great unwashed that insists taxes and insurance don't apply to you!! I've had a car damaged by a cyclist and they fly about all over my estate, my ex was witness to a cyclist run into a car, the parents attempted to claim damages from the driver and the police were happy to sit on the fence, it's only independent witnesses that put paid to the made up claim, the car driver was unable to get a penny to repair his car, the car driver only had third party insurance see!!!!