It was 17.00 13th of September 2016 post code S20 1FW, I was sat at a zebra crossing waiting for a young mum pushing a pram with a toddler in tow on West st leading onto Drake House Ln, The crossing is inbetween the Sothall Green and Orchard lane. I cyclist appear from no where and plowed into the near side rear (passenger side) Rylan Cranner,I believe lives near Woodhouse Sheffield had come down Orchard Ln with what he said was no brakes and was going to from left to right and carry on up Sothall Green. He wasnt injured but had damaged my car he said he would pay, but of course he lied. I've seen him since doing exactly the same dodging kids on the crossing so I thought its best we have another chat,plus ask him where my money was that wont cover the repair. I called Admiral the advisor informed me that as a result of my accident my premiums would increase? He waffled on about his car being damaged, I asked about my legal cover, which he had claimed he could only access given my reg policy number. Having got them he said "I'm not sure what your asking me to do"? The reason for the increase is because people change their driving habits after a collision he could elaborate any more than tht because its what they are trained to say. The say he wont be insured and they wont even try recover any money, its going down as a fault claim plus I have to pay my excess whicxh they also wont recover. Ive cant believe they are allowed to do this,whats worse is the pretentious condesending tone of voice. Admiral's pre tax car insurance profits for last year was £219 million,they payed their share holders 1.9 billion over the last 10 years. Never going with them again something needs to be done as this cant be fair, they will be quick to pay 3 third party claims I'm sure. Whats the point in having insurance. I used to commute on a cycle got knocked of a few times, but I appreciate now why some drivers hate cyclist and insurance companies