He's earnt any assistance he may need by having fun on his bike? I wouldn't deny him assistance at all, when he has an accident I hope he gets all the help he needs, ambulance call-out, hospital treatment, a stay in hospital, surgery perhaps, statutory sick pay from his employer while he recovers... I also hope he is lucky enough to get back on the bike, and if he is unlucky and ends up permanently disabled I hope he gets all his state benefits sorted out, and a decent set of carers, and so on. But I can't see how he's "earning" anything by deliberately putting himself at risk.