It wouldn't be any more expensive than walking into someone, with them falling down and breaking their back. Hitting someone with a bicycle can cause serious harm and cost you a lot of money, yet I know one person who owns insurance for riding a bike - 99.9% of people riding bikes don't care. I don't see why it would be different for this, it's slightly faster than walking and slower than riding a bike.
"your third party liability insurance pays for the damage"
What "third party liability insurance"? Do I have some insurance that I don't know about? Or are you suggesting that somehow my car insurance(which does have third party liability cover) somehow covers me when walking around/cycling?
how many are actually insured for that specific liability? just asking, I'm unfamiliar with the other countries insurance policies, but I've rarely heard people being insured that way in the European countries I lived.
I can only speak for Switzerland: Most people here have have "household insurance", which covers theft, damage to property and mostly third party liability.
Third party liability won't cover usage of a motor vehicle (needs to be insured seperately, and is mandatory). It does cover damages caused by riding a bicycle, though.
