Accient with another bike; 'he said, she said'. Basically as they rarely ride more than two km from their home they'll phone some friends to lie on their behalf as witnesses, so unless you have a mini camera recording every ride you'll pay in that situation.
Yep, that's why I ride with a GoPro. Makes me REALLY fucking obvious in this town...as if the helmet didn't already do that though, haha (although, I may have started something as I see folks wearing them from time to time now).

Are there any national insurance brands you guys recommend for the compulsory insurance?