Etiquette when passing horses

I always call out, a cheery "morning/afternoon/evening*" normally, as it alerts both the rider and the horse that a human is approaching.

This and...

...keep pedalling even if on a geared bike.

...this. Human voices are ok, mechanical sounds can freak them out a bit.

I encountered a rather frisky horse and rider, accompanied by a dog, down a lane this morning.

As is standard for Foxes all over the country every boxing day, despite the 2004 ban. :)