Risk Warning
Ø    Hardcopy these directions and bring on Sunday

Ø    Expend 5 min studying your street directory for the 2nd (Common) Leg from Cnr Mid Dural Rd and Old Northern Rd left into Cattai Ridge Rd, Halcrows Rd, Sackville Ferry, Wilberforce Rd, The Terrace to Windsor

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 37 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 road when descending, particularly at corners, where the coefficient of friction is materially less; 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"