Here's a scenario: Riding your DH bike on the road two abreast (legally) with your mates, chatting away, you don't see the pedestrian step out onto the road until too late - you injure the pedestrian and he/she spends a few days in hospital and then needs physio etc for weeks after. Total and ongoing bill comes to thousands of dollars of which you are 100% liable. Now, imagine you had third party insurance........does a DH bike cop a rego/3rd party/road user fee?? I know lots of blokes that ride their big bike on the roads to get to the trails.
I think the answer is clear on that.
We will be taken seriously when we combine as a group, loby parliament for better facilities for bikes, and show that there is something in it for the polititians.
Till then, all this talk about rego etc will do nothing but fill the coffer of the government.
You can of course join a cycling group such as Bicycle NSW and get this insurance as part of your membership, but how many of us are doing that?