What a beautiful sight !
The Regulation should revise as:
No Commercial Insurance = Bicycle/PAB/PMD cannot use Public Road.
In order to get Commercial Insurance, Rider must pass Highway Code (PDL)
Bicycle/PAB/PMD must passed Vicom Inspection (Licence Plate affix)
If on the road, Rider found using bicycle/PAB/PMD without licence plate or without PDL
That means he is illegal to be on the road, any accident/death arises shall be 100% his fault, no claim entertain.