I'd rather not have to pay insurance for my bike. In fact, that would be a huge blocker to me in even getting one. As is my bike is cheap enough that I don't have to worry about someone stealing it. No insurance policy could justify the cost.
As for being hit by a car, medical insurance would cover all costs.
In NL, bikes rarely have insurance - maybe theft insurance if they're new and/or expensive.
That said, if you get hit by a car, even if it's your own fault, the car driver is held liable; they drive the heavier vehicle, they've had formal training (getting a driver's license here involves 25-50 hours of practical driving lessons with a licensed trainer, a theoretical and a practical exam), and all cars (and most motorized vehicles) are required by law to have a liability insurance in case they cause an accident.
Just as well, even minor fender benders can cost hundreds of euros these days.
> In fact, that would be a huge blocker to me in even getting one.
I have minimum-legal insurance on my (gas, 1000cc) motorcycle. It costs $99/yr through Geico. If you really wanted, I bet you could get down to $75 with an off-brand insurance supplier and probably lower with a moped. A mild annoyance, but still less than a blue check mark.
