Talking of Insurance in the tradition of the "4U" firms for all sorts of things then I think we need a new one BAGS4U . "I was sitting on the bus when a backpack hit me in the face making my nose bleed, I lodged a claim with BAGS4U and I got £200 compensation ."
I am really making the point about the huge increase in the numbers of people carrying backpacks and how inconsiderate they are especially on public transport [and pubs, shops in fact many places] . Instead of taking them off their back and carrying them lowdown in front of them , they stomp on the bus with them on their back randomly hitting people about the head.
They take them off before siting down for a final flurry of bumping heads nearby and then believing their bag is privileged and must have its own seat reduce the bus seating capacity by putting it next to them.
Some of them seem extremely bulky and packed to the rafters , they are clearly people who live locally what the hell have they got in them , are they living out of them , do they think they'll get burgled when they are out so take all their prized possessions with them , who knows but I just wish they'd be more considerate towards other people .