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 (i.e.. 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 (i.e. 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.

Ø    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

Ø    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

Ø   Cycling with Muggs is predicated upon notifying Bank Teller if you materially disagree with any clause(s) in Muggaccinos' "Ride Participants Liability Acknowledgment"