Final reply
Riders and clubs HAVE to take insurance before any racing can take place, Insurance is taken out to cover the costs of any damage or injury to a third party so whats the problem. If you are all against this fan being compensated for his injuries (and you seem to spend a lot of time doing it ) why not put all your efforts into saving the riders and clubs money by opposing compulsory insurance.
How about a petition Helen.

NO MORE INSURANCE FOR RIDERS AND CLUBS