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This seriously just happened to my mum on Monday. Caught between one stopping suddenly and two behind her on their phones not braking in time. She's covered in scrapes, and down £200 as it buckled the back of her (pedal bike) wheel and frame, and she can't get to work without it.

I have tried: - offering the money (no) - offering to cover the thing the £200 was allocated to (no) - transferring it anyway (transferred it back with a "no xx" reference)

Your poor Mum, I hope she is okay. My post was silly but it's a genuine fear. It's become the norm for cyclists not to stop at red lights in London and electric bikes are so heavy.

They really are - turns out Lime bikes in Japan are third party insured, that would go a long way here. I think she's a bit shaken (not the first knock, thankfully she does wear a helmet these days) but mainly fuming about the money. Glad I was about a few days to keep her company!