Risk 
		Warning
		
		Take the early steep descent of 
Kissing Point Rd slowly, as one lass who rode with Peloton Racing Club had a 
very nasty bingle 5 years ago, and David Hatley aka Radar 
broke two collar bones, and wrote-off his carbon bike, when a lady backed-out, 
and Radar's radar couldn't react in time to avoid a nasty rear-end 
		whack.
		
		
		After veering left off North 
		Rocks Rd into Barclay Rd there is a very steep descent in Renown Rd, 
		followed by an equally steep climb.  It is vital that on the steep 
		climb that you drop down thru your gears rapidly, as you may find that 
		you can't manage the gear you are in and you can't release your shoe 
		from its cleat to pull up, whereupon you eventually fall off.  So 
		as you rapidly ascend, drop to a low gear early, rather than after 
		it is too late.
	
		Ø      Hardcopy these directions and bring on Sunday
Ø      Expend
5 min studying your street 
directory for this route, if you haven't ridden it before
Ø    
  
Don't ride two abreast on single lane roads with an unbroken centre line and 
descend corners on wet roads as though you are skating on ice
Ø     
When passing a fellow Mugg, always provide a metre clearance.  
If you can't, or are
passing on the inside, you MUST call out loudly eg. "passing inside" 
etc
		
		
		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"