It’s best not to take the risk. Costs of medical treatment can run into tens of thousands of pounds. That’s not a bill you want coming through your letterbox any time soon.
I’m a cycling enthusiast and have been so for a while. I cycle to and from work and sometime locally at least 2 to 3 times a week, but I simply enjoy cycling as a hobby, as a means of transport, and for leisure - I get a sudden burst of energy when I cycle.