Some 
		forms of cycling are dangerous.  
		
		
		An ave of 36 Australian 
		cyclists have been killed annually since 2000.  
		95% of these fatalities occur on the road. 
		
		
		
		
		Other cyclists in Australia break bones and incur nerve 
		impairment from falling off their bikes in accidents.  
		
		
		
		A cyclist could fall from his/her bike, inter alia, 
		due to -
		(i)      being hit by a car or another cyclist; or
		(ii)     encountering a pothole; 
		
		
		(iii)    cycling too fast on a wet downhill where the 
		coefficient of friction is much less, particularly at corners; or
		
		(iv)    getting their bicycle wheel caught in a gap in a timber bridge.
		
		A negligent cyclist could -
		
		
		(a)    be litigated by a seriously injured cyclist, or 3rd party (ie. a 
		woman pushing a pram on a footpath or a car driver) under common law 
		where the damages could exceed $500,000; and
		
		
		(b)    lose his/her home if he/she did not have public liability 
		insurance which covers their negligence whilst on a push bike.
		
		A negligent cyclist who did not have personal injury 
		insurance (ie self-employed without income protection cover) could 
		struggle to meet regular outgo commitments.
		
		A seriously injured cyclist could be awarded damages 
		which a negligent cyclist could not afford to pay if the negligent 
		cyclist -
		(I)     did not have public liability insurance cover; and/or 
		(II)    did not possess valuable assets.
Ř  
Cycling
without Public Liability cover is as silly as driving without 3rd Party -
 join Bicycle NSW for PL insurance, so that all Muggs are better protected
Ř  
  Click on:
	
	
Risk Management 
	which warns of 'inter alia', the dangers of cycling on 
	public roads with motor cars,  
	
potholes and over bridges with vertical timber 
	planks with gaps
Ř  
 Cycling with 
  Muggs is predicated upon notifying
Bank Teller if you 
materially disagree with any clause(s) in Muggaccinos' 
 
 
"Ride Participants Liability Acknowledgment"