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What rules do cyclists have to adhere to?

Cyclists and Liability:

If a cyclist is caught breaking a red light, what can legally happen them? Nothing??

If a cyclist is at fault for an accident with a car, what happens?

Also, if a cyclist breaks a red light and injures a pedestrian, what happens to the cyclist?

Is the Volvo XC90 our safest family bet with seven seats?

We are looking for a large, family SUV, preferably a Volvo XC90, as our priorities are space and safety. It needs to take two car seats and another person in the back, with space in the boot for a pushchair and shopping. Are there any other cars that would be on a par with the safety record of an XC90?

Safety of occupants in third row of seats

Hello

I am looking at buying a second hand seven seater. When I was checking the compatibility of my car seats with the seven seaters I had in mind (Ford S-Max, VW Touran and Citroen C4) the car seat manufacturer recommends not putting any car seats in the third row.

On further investigation it seems when the third row is in use the safety of people (i.e mostly kids as most adults would not sit in third row) is very poor. Can you shed any light? Besides going for the bigger seven seaters like the Ford Galaxy (which is out due to budget reasons) is there any seven seater safer in this regard? Am I overthinking this, is this the case with most five seater cars or is the boot space a big plus if a car is rear ended? 

Safe to replace seatbelts?

Would you consider it safe to replace the seat belts on a car? I am looking at a second-hand car that needs two seat belts replacing (due to wear and tear from baby sets apparently), but am concerned about whether the replacements will ever be completely effective. Also, would you consider it a concern that the seat belts were damaged in the first place? The look like they were cut half way accross with a knife or something.

Thank you.