Taking insurance into mind

Eddie Barkla | Bendigo Weekly | 02-Dec-2011 4.17PM

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The Occupational Health and Safety Act has certainly changed our thinking in meeting our duty of care, and understanding responsibilities in the workplace, placing duties on manufacturers and suppliers, workplace management and workers alike.
It is commonplace to have a disclaimer on how products and equipment are to be used in a safe manner.
Employers are to provide for employees, so far as is reasonably practicable, a workplace without risk to health and safety.
Employees are asked to take reasonable care of themselves and others who may be affected by their behaviours in the workplace.
Welfare is also a major consideration as part of the Act’s intention.
There are workplace insurance premiums required to be paid and, like most insurance policies, claim and no claim bonus or penalties apply to employers that remain accident free.
Cycling insurance is a consideration for the protection of prized assets. Full carbon bike and wheels that can equate to a third of the cost of a new car.
Insurance cover for your bike can be part of a home and contents policy or a stand-alone policy.
Most insurance policies allow for your bike being damaged or stolen.
Most cycling associations have insurance as part of membership.
If you want to find out more, I suggest you go to a general insurance broker or to one or more (more is better) insurance providers direct. Be sure to read their Product Disclosure Statements.
How we look after the equipment we use and how we respect the environment in which we spend our time is in itself valuable insurance.
This may seem plain common sense, but a review of most, if not all, accidents will reveal that at some point common sense was forgotten and focus on the task at hand was momentarily lost.
There are simple things to consider – is your bike in a good road-worthy condition? Are the tyres in reasonable condition and at the correct pressure for the riding conditions?
Does your helmet fit correctly and is it in good condition, kept clean and stored in a cool, dry, sun-free location?
Where you place yourself on the road, making your actions predictable and allowing yourself to be seen with clothing and lighting alike, is a form of insurance.
There are so many contributing aspects in cycling that are our responsibility.
Regularly washing our bike can reveal any changes in the frame structure or wheels, and is a good time to check on wear and tear of components such as brakes.
While not all these will stop accidents, they certainly go a long way for us to develop respect of our own safety and that of others we share the road with.
Looking forward to seeing you on the road soon, God willing.

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