My coworker's argument why cyclists should not ride in winter (ie snow/slush/ice conditions) is that motorcyclists dont ride either, and if a motorcyclist did ride and crashed, he would not be covered.

By the same token, a winter cyclist should not expect to be covered either.

I havent talked to my insurer, but it seems common sense, especially if I have dependents.

For single people with little or no family, it wouldnt matter... otherwise, it's worth looking into before riding into a blizzard.