L	Old Pacific Highway	0.9	Leonard St/Pattisons Ave Hor.	E	101.6	3.0
L	Leonard St/Pattisons Ave Hor.	0.3	Alexandria Pde/Millewa Ave	SE	101.9	1.0
L	Alexandria Pde/Millewa Ave	2.9	Bangalla St	SE	104.8	7.0
L	Bangalla St	0.2	The Chase	N	105.5	1.0
R	The Chase	1.1	Burns Rd	NE	105.8	2.5
R	Burns Rd	0.2	Bobbin Head Rd	E	107.9	1.0
L	Bobbin Head Rd	0.7	Nth Turra' carpark	NE	108.6	2.5
		6.3				18.0

Risk Warning
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"

Bank Teller's pics of St Ives 7:30am for Bushlands route thru Terrey Hills and Duffy's Forest, clockwise descent to Illawong Bay & Akuna Bay, for Brekkie at Church Point - return up McCarrs Creek Rd - 64km - 5 riders

Outside Thai Restaurant after our 'lumpy backroads route' thru Terrey Hills and Duffy's Forest

A misty, foggy Church Point

Back at Pattisons Patisserie post ride

Bank Teller's pics of Cinque Montagnes anti- C/W - 12 cyclists - 101km

If you have 'Deepish Pockets' and don't want them lightened

Bank Teller beseeches each rider to again read Muggaccinos' "Ride Participants Liability Acknowledgment" and speak up with gusto at a forthcoming Nosh Stop if you disagree with any clause therein, because by you accepting the weekly Bullsheet 'Ride Invitation' you are agreeing to the lawful obligations therein, and should a fellow rider, or other third party, be seriously injured due to your negligence, your pockets might be materially lightened because pursuant to -

*      Regulation 15 of the NSW Road Rules 'a bicycle is a vehicle'; and

*      Regulation 17 of the NSW Road Rules, 'a rider is a driver'.

Ipso facto, the same laws of negligence apply when cycling your bike, as when driving your jalope.

Below is an extract of the final bullet point in the (further) above Risk Warning:

When passing a fellow Mugg, always provide at least a metre clearance and call out loudly as you approach an upcoming rider "Passing your right", so s/he can drift to their left to allow you even more clearance. If you can't, or are passing on the inside, you MUST call out loudly eg. "Passing your inside" or "Passing your left".

Below is the pertinent extract from "Ride Participants Liability Acknowledgment"

Cycling protocols:

(x)          As a Ride Participant, I –

(j)           will give as much warning time as possible to enable a rider immediately ahead to give me more clearance when passing him/her by calling-out LOUDLY -
*     "Passing your right" to warn an up-coming Ride Participant, if I am passing closer than 1½ metres on their RHS; or
*     "Passing your inside" or "Passing your left" if I need to pass an upcoming rider on their LHS;

Bank Teller 19 Jan '14