Hiya
Long time coast resident (lived in Terrigal for 10 years until 6 months ago)
I would stay well off the freeway. I was under the impression that cycling on the freeway was prohibited from the Gosford/Kariong interchange through to Mount White – but this could just be local legend. In either case I wouldn’t suggest it – especially the section that passes over Mooney Mooney Bridge and the like as its pretty hairy even in the car – no shoulder and 3 lanes of 120km/h traffic doesn’t instill me with confidence. There are a few threads/comments on the Central Coast Cycling Club forum of people who have taken the Freeway route and the those that have done it have generally been condemned as fools by the rest of the local cycling community.
If you want to get to Terrigal you have two broad options
OLD PACIFIC HIGHWAY
First would be the Pacific Highway route – either making the dash down through Woy Woy or Kariong hill through Gosford to Terrigal. – This seems to be pretty popular and there are some new cycle markings at the top near Penang Parklands – then the steep ride down to West Gosford (no cycle markings)
The old pacific highway right through to Hornsby seems pretty popular with cyclist, sunday drivers and motorcycle clubs - so I think people are generally used to seeing cyclists and other 'recreational' users - away from the hustle and bustle of the F3 its probably your safest (and most enjoyable) ride - few hills which could atleast earn you your lunch....
As an alternate option....
VIA PALM BEACH AND FERRY TO ETTALONG
I like this idea better – I ride the Gosford, anti-clockwise loop around Brisbane water as my regular weekend ride – so I’ve done the Ettalong back towards Terrigal a few times.
I’ve seen quite a few people do the Sydney to Terrigal this way – taking a trip up through the northern beaches by various means, ferry from Palm Beach to Ettalong (still only costs $10 I think, runs every half hour or so, bikes are welcome). Then its a nice ride up the coast to Terrigal – there are a few options you could take – either
I know this starts in the city but gives you the broad idea:
http://www.bikely.com/maps/bike-path/TDC-Terrigal-Sydney-Pitt-St-MallAlso, there are a couple of nice options on this from once you get to Ettalong.
I’ll explain...
Once you cross Rip Bridge (just outside Ettalong) there are a couple of ways to get to Terrigal
You can go up Kincumber South, Kincumber, cutting across the Pickets Valley then Terrigal (as shown in the attached Bikely map), or
You can take the ‘coast’ route that goes Killcare Heights, Macmasters, Copacabana, Avoca, Terrigal. Few more hills in this section if your into that...
Hope this is helpful