Landlord and tenant should negotiate whether they will request waiver of subrogation clauses in their property insurance policies, liability insurance policies, or both (it is less common for the parties to request waiver of subrogation clauses in liability insurance policies, but possible).
Since Nick's answer covered average speed over the entire lifetime of the bike, I'll cover the average over time spent moving. Simply put, this depends almost entirely on the cyclist, rather than the bicycle itself, and there is a wide range. Casual recreational cyclists probably average around 10-15 km/hr (6-9mph). This is your weekend trail rider, out to enjoy the view in the local park.
Reducing the weight of the bike + rider by 1 kg would increase speed by 0.01 m/s at 9 m/s on the flat (5 seconds in a 32 km/h (20 mph) , 40-kilometre (25 mile) TT). The same reduction on a 7% grade would be worth 0.04 m/s (90 kg bike + rider) to 0.07 m/s (65 kg bike + rider). human being traveling on a bicycle at 16â24 km/h (10â15 mph), using only the power required to walk, is the most energy-efficient means of human transport generally available.