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.

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"

Terry aka Navigator and Peter aka CampyAficinado grabbed the train at Woy Woy. John aka BakerBoy cycled from his home at Pearl Beach and met us at Mt White. 

We couldn't complain about the service at Mt. White, 'cause there wasn't any.

The rest of us carried onto Pearl Beach which looked a 'veritable embodiment of pictorial elegance'.  Golly BakerBoy is a spoilt bastard living in God's own country.  We 'cocked-up' with our timing 'cause despite a spirited effort to catch the hourly service which stopped at Hawkesbury River, we missed it by a minute, whereupon we all 'piked-out' on getting off at Hawkesbury River station and took the 'express service' to Hornsby which came 22 mins earlier.  

Two great pics from a top quality Chinese phone of our 'longish wait at Woy Woy station après 82km

Why you should use Mr. Tuffies to 'double your tyre life'

Bank Teller got 3+ years 'life' out of this circa 2007 bright blue Conti 4000s.  Once upon a time, these coloured tyres were 'all the go'.  Many a time in the last year or so, The Teller figured that he should replace it, but he thought, "I reckon there is another ride in it, 'cause I got Mr. Tuffy's in there to protect me. Mr. Tuffy's are the best."  Today, when he noticed that his 'rolling speed' on the downhills was 'suffering because of several lumps, bumps and cavities in his trusty blue Conti 4000, The Teller opted to replace it 'post-ride'.  This particular cavity was the biggest reason for his slower downhill speed today, but there were other little divots in his 2007 Conti 4000 which you would expect after 3 years work. The Mr. Tuffy probably doubled his tyre life.  All hail to Mr. Tuffy!!!  
PS: the grey bit on the lower RHS is the Mr. Tuffy protection.  Fortunately it wasn't damaged, 'cause Mr. Tuffys are tough.