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Risks Of Harm means for the Civil Liability Acts one of the Three Types of Risks which can result in Harm Suffered to a participant(s)/Invitee(s) in a Recreational Activity.

Examples of Risks Of Harm for Recreational Road Cycling include -

(a)        cycling into a pothole; or

(b)        being hit by a car or another cyclist; or

(c)        getting a wheel caught in a gap in a timber bridge; or

(d)        cycling onto or from the metal ramp of a ferry and slipping on a wet metal protruding girder; or

(e)        cycling over a railway level crossing;

(f)         not hold third party public liability insurance cover (included within annual membership of Bicycle NSW) as a Green Slip 3rd party personal insurance does not cover a cyclist's negligence whilst cycling a bicycle; or

(g)        not hold Income Protection insurance if self-employed.