Third party insurance soon to be compulsory

[R6_kid]

Finally, there is talk in the government at the moment to introduce comulsory third party insurance on all motor vehicles. Looks like a good move, hopefully it wont push premiums up, because from what i saw on the news tonight the insurance companies werent as keen as the government.

[chanceyy]

Finally, there is talk in the government at the moment to introduce comulsory third party insurance on all motor vehicles. Looks like a good move, hopefully it wont push premiums up, because from what i saw on the news tonight the insurance companies werent as keen as the government.

lol prob not since the claims will go through the roof ..

but I for one have never been without insurance .. & bloody grateful when it turns to custard, & i have had to make a claim ;)

[crashe]

Yay....... yeah I saw it on the 6pm TV1 news as well tonight.

[Bonez]

It's been a long time coming.

[Jonny Rotten]

im sure that third party is part of your rego in australia.....so why isnt it like that here?

[Sketchy_Racer]

im sure that third party is part of your rego in australia.....so why isnt it like that here?
Because us NZers are to stupid to look and see what the rest of the world is doing and learn from thier mistakes.

No, instead us NZers try to re-invent the wheel with all sorts of rubbish

But i believe that the compulsory Insurance is a good thing.

BUT, the insurance should be for the person not the vehicle :ie: If i want to ride a mates bike and his insurace policy wont cover the bike while im riding it, then my insurace will cover it so long as im not breaching any laws.

[onearmedbandit]

Because us NZers are to stupid to look and see what the rest of the world is doing and learn from thier mistakes.

No, instead us NZers try to re-invent the wheel with all sorts of rubbish



WTF?? This is the first time I've seen this arguement applied to NZ. Every other time it's '...blah blah blah...NZ just follows Australia/America/England...blah blah...'.

For a long time I also believed compulsary insurance was a great idea, and it may still be, but it is not without it's flaws. As pointed out to me by a good friend, show me a country with compulsary insurance where the insurance companies haven't raped the consumer.

[Sketchy_Racer]

Yep thats the only problem with the compulsory insurance. All the insurance companies will rake up the prices real bad. Although law could say that vehicle insurance should be run by the Govt so that they can control the price (probably just as bad tho)

[Sketchy_Racer]

WTF?? This is the first time I've seen this arguement applied to NZ. Every other time it's '...blah blah blah...NZ just follows Australia/America/England...blah blah...'.

Yeah thats true.

But if it works for them, why not use the same system for us??

[trumpy]

Some of the more senior members of this site should be able to remember when 3rd party insurance was part of your registration fee. If my memory serves me correctly it was the insurance companies that lobbied (successfully) the then guvermint to have it removed. Cant remember the date or the gubbermint but I am sure someone can enlighten us.....

[Skyryder]

Some of the more senior members of this site should be able to remember when 3rd party insurance was part of your registration fee. If my memory serves me correctly it was the insurance companies that lobbied (successfully) the then guvermint to have it removed. Cant remember the date or the gubbermint but I am sure someone can enlighten us.....

Yes always use to be this way. I never knew that it had been 'taken away' until the wife had a prang, she was found in the wrong and it cost us a fortune.

Not too sure who did away with third party etc............Rodgernomics???

Skyryder

[The_Dover]

I would suggest a government run not for profit 3rd party scheme could be a good idea but we all know with the fuckwits running the beehive that it would be an even bigger rip off and shower of shit than commercial insurance!

[cowpoos]

I would suggest a government run not for profit 3rd party scheme could be a good idea but we all know with the fuckwits running the beehive that it would be an even bigger rip off and shower of shit than commercial insurance!
like ACC ?????

[The_Dover]

like ACC ?????

It's a privatised organisation these days isn't it? And it only pays for accidental injury, doesn't cover damage to property or legal liability etc.

[onearmedbandit]

Yeah, privatised and bastardised.

I speak from personal experience.

[digsaw]

fuck that,another bit of legalised daylight robbery,so how many of you who agree are poms eh,well nz has always tried the pom ideas an by the time we get it they have scraped it an we still never learn by the mistakes of other countrys. ACC is a real good example of how to rob joe public and bleed him dry,how many times will we pay this time eh. ACC should be on the driver then all drivers would only pay once,yep 3rd party insurance on the driver and ACC to,ffs you can only drive one at a time.:nono:

[cowpoos]

nah....is a guberment department again...was privatised...government lost to much money...so its a goverment department again...and last year they made a 801 million dollar profit....ain't that just a sneaky way of taking more tax..... [and they put bank robbers in jail]

[Ixion]

Some of the more senior members of this site should be able to remember when 3rd party insurance was part of your registration fee. If my memory serves me correctly it was the insurance companies that lobbied (successfully) the then guvermint to have it removed. Cant remember the date or the gubbermint but I am sure someone can enlighten us.....

Third party insurance IS still part of your registration fee . It's called ACC!
Why should I pay a rip off sum to an insurance compay just so that YOUR insurance company doesn't have to pay out if I sue you for damaging my vehicle. Compulsary insurance is the catch cry of the imcompetant.

And the thing that noone seems to able to understand (incomprehensibly, because it is incredibly simple) is that the reason that other countries make third party insurance compulsary is so that if soone is injured in a motor accident there is (in theory) provison for them to be compensate dfor their injuroies. The reason NZ doesnt NOT have such a requirement is because it is already covered by ACC.

Bloody whinging Poms again, who are incapable of accepting that anything should be different to what it is "back home". New Zealand is not "behind the rest of the world". It is far ahead of it. The insurance setup in the UK is barbaric, antiquated and stupid. If the Poms had any sense they would scrap it (together with their asinine motorway overtaking rules) and copy NZ.

EDIT: the old third party insurance that was part of vehicle rego NEVER covered vehicle damage it was only EVER cover against personal injury claims .

[The_Dover]

Ixion you senile old fartknocker, I belive that if they introduced compulsory third party it would be to cover loss of property due to some stupid scotch squid flipping a gixxer into your car/conservatory/marijuana crop and destroying the lot. There is no need for third party insurance to cover personal injury cos as you say that is the role of the Arsehole Constipation Conglomeristionalism.

I don't see compulsory 3rd party as a bad thing as long as it is regulated to prevent the thieving cunt insurance companies arse raping people. Standardised risk arsesment to ensure that it is affordable and fair, one policy per individual. NOT like the uk where it is abhorrently expensive.

[Grahameeboy]

It's a privatised organisation these days isn't it? And it only pays for accidental injury, doesn't cover damage to property or legal liability etc.

Are you sure ACC is privatised? It has a Minister in charge of ACC and it is paid for by our taxes......

Legal Liability is one issue with ACC............it is good and bad in my mind.

[Grahameeboy]

Third party insurance IS still part of your registration fee . It's called ACC!
Why should I pay a rip off sum to an insurance compay just so that YOUR insurance company doesn't have to pay out if I sue you for damaging my vehicle. Compulsary insurance is the catch cry of the imcompetant.

And the thing that noone seems to able to understand (incomprehensibly, because it is incredibly simple) is that the reason that other countries make third party insurance compulsary is so that if soone is injured in a motor accident there is (in theory) provison for them to be compensate dfor their injuroies. The reason NZ doesnt NOT have such a requirement is because it is already covered by ACC.

Bloody whinging Poms again, who are incapable of accepting that anything should be different to what it is "back home". New Zealand is not "behind the rest of the world". It is far ahead of it. The insurance setup in the UK is barbaric, antiquated and stupid. If the Poms had any sense they would scrap it (together with their asinine motorway overtaking rules) and copy NZ.

EDIT: the old third party insurance that was part of vehicle rego NEVER covered vehicle damage it was only EVER cover against personal injury claims .

Yep good old ACC...lets get drunk knowing that if I have an accident I will be covered.....good one......in UK and other Countries people have to take responsibility and accept the consequences.

[Grahameeboy]

nah....is a guberment department again...was privatised...government lost to much money...so its a goverment department again...and last year they made a 801 million dollar profit....ain't that just a sneaky way of taking more tax..... [and they put bank robbers in jail]

Shame that they could not give some of that dosh to help the underfunded disability area!!

[cowpoos]

Shame that they could not give some of that dosh to help the underfunded disability area!!
and or give us some of money back for us!!!!!!!!!

[digsaw]

Dover,yar like a sheep herder,the only thing that insurace companys want is your money,bit like a racing bet as long as the odds are on their side they think its good.

If there was NO insurance companys,people would value waat they own and look after it and drive better as well, instead of waat we have now where folk make boggis claims at other peoples cost

[Grahameeboy]

and or give us some of money back for us!!!!!!!!!

..and my disabled Daughter....

[cowpoos]

..and my disabled Daughter....
I said and or.......

[Grahameeboy]

If there was NO insurance companys,people would value waat they own and look after it and drive better as well, instead of waat we have now where folk make boggis claims at other peoples cost

Hard to say really...........you could say that some people do not have car Insurance cause they don't care and know that if they damage someone elses car they will either get away with it or end up paying the debt back at $5 per week.......

[Grahameeboy]

I said and or.......

Chomp chomp every bite......:blip:

[The_Dover]

Dover,yar like a sheep herder,the only thing that insurace companys want is your money,bit like a racing bet as long as the odds are on their side they think its good.

If there was NO insurance companys,people would value waat they own and look after it and drive better as well, instead of waat we have now where folk make boggis claims at other peoples cost

Yeah, you say that now but if some fuckhead wipes you out and is uninsured and you are too then you're fucked.

End of.

Can you get a mortgage without insurance? Believe me, I hated compulsory insurance int he UK cos it made it prohibitively expensive for me to drive as a young male, but, i'd rather sleep safe knowing that my investments are covered for my own and other peopls fuck ups.

Cos they happen regularly. no matter how much you value your shit.

[Grahameeboy]

Yeah, you say that now but if some fuckhead wipes you out and is uninsured and you are too then you're fucked.

End of.

Can you get a mortgage without insurance? Believe me, I hated compulsory insurance int he UK cos it made it prohibitively expensive for me to drive as a young male, but, i'd rather sleep safe knowing that my investments are covered for my own and other peopls fuck ups.

Cos they happen regularly. no matter how much you value your shit.

Good one Mr Dover...........................

[Lou Girardin]

WTF?? This is the first time I've seen this arguement applied to NZ. Every other time it's '...blah blah blah...NZ just follows Australia/America/England...blah blah...'.

For a long time I also believed compulsary insurance was a great idea, and it may still be, but it is not without it's flaws. As pointed out to me by a good friend, show me a country with compulsary insurance where the insurance companies haven't raped the consumer.

As long as it's some slack-jawed mouth breathing recidivist boy-racer getting raped, I won't lose sleep over it.
I've insured my vehicles since I bought my first car, so every other bugger can do it too.

Unfortunately, I can see lack of insurance as being a low priority for enforcement. Perhaps they can tie it to reg and wof's.

[yungatart]

Maybe its a good idea in theory - but how is it going to work? Tacked on to vehicle rego or WOF? How, then, are those who don't rego or WOF their vehicles going to pay? What about if you already have insurance? Will you get a rebate/refund?
There are plenty of ways to avoid insurance if you don't want to pay, and those tossers who currently don't have any will continue to not have any, wether it is made compulsory or not. It will be just another law that people will choose not to compy with and the rest of us will be penalised in our pockets, yet again.

[sAsLEX]

As long as it's some slack-jawed mouth breathing recidivist boy-racer getting raped, I won't lose sleep over it.
I've insured my vehicles since I bought my first car, so every other bugger can do it too.

Unfortunately, I can see lack of insurance as being a low priority for enforcement. Perhaps they can tie it to reg and wof's.

Like you have said most people hold insurance already, so surely making it compulsory wouldnt affect you as you already hold insurance?

Wouldnt it be a matter of having your name in a DB accessible to police (like the licensing one) that has your insurance details in it? And if you dont, you get to pay some more Roadside tax?

[skidMark]

BUT, the insurance should be for the person not the vehicle :ie: If i want to ride a mates bike and his insurace policy wont cover the bike while im riding it, then my insurace will cover it so long as im not breaching any laws.

Semi good idea but insurance companies won't do that soooo...

STAY




OFF



THE



DRUGS

[davereid]

You can get third party insurance for a motorcycle in this country very cheaply - $55 per year for my XL1200. Compare the UK, same insurance cost UK700.

The ONLY thing compulsory insurance will do is make it expensive.

Harry DunderHead even admitted his motive was to price motorcyclists and boy racers off the road.

If you are silly enough to drive without cheap insurance thats your (stupid) choice, but if this law gets through just watch the cost rise.

[Ixion]

You can get third party insurance for a motorcycle in this country very cheaply - $55 per year for my XL1200. Compare the UK, same insurance cost UK700.

The ONLY thing compulsory insurance will do is make it expensive.

Harry DunderHead even admitted his motive was to price motorcyclists and boy racers off the road.

If you are silly enough to drive without cheap insurance thats your (stupid) choice, but if this law gets through just watch the cost rise.

[sigh]. For the umpteenth time. The reason it's cheap in NZ and dear in the UK is because third party insurance in the UK is NOT THE SAME as third party insurance if NZ. In the UK the insurer has to cover against a potential 10 million pound third party personal injury claim if the insured leaves someone a paraplegic. The insurance for any potential property claim is chickenfeed. IN NZ the insurer DOES NOT AND WILL NOT have to provide cover against personal injury . BECAUSE THAT IS PROVIDED BY ACC. Which you pay at least $200 odd per year (in my case $1200 odd) .

So unless the insurance companies are given a loop hole for totally unprincipled exploitation (not that they need much loophole), compulsary insurance will NOT work as a youth clobbering device. Even on a hotted up Subaru, it would not be (given genuine acturial costing) more than a couple of hundred a year. Chicken feed compared to what they spend on bling. And yes, I know , all you Poms think ACC should be abolished. Is that whinge #67, or are we up to #70 yet. Ain't gonna happen, and a damn good thing too.

[Quartida]

I have to back Ixion here. New Zealand has an unusual situation with ACC. Such a situation is pretty much unheard of in the rest of the world.

Much as we want to bitch about the cost, we're bloody lucky. I bet you could find a number of people on this site who owe their lack of ongoing physical problems to ACC funded physio and/or doctors. It's not without it's flaws, but I personally think that the fact that if I have an accident I know I have some kind of cover is a relief. Not to mention the fact that no-one can sue my ass if I accidentally cause them to get whiplash.

[The_Dover]

And yes, I know , all you Poms think ACC should be abolished. Is that whinge #67, or are we up to #70 yet. Ain't gonna happen, and a damn good thing too.

I don't think it should.

I've had some great physio on rugby injuries for free and it paid for 3 months of daily dressing changes when I crashed my scooter.

[yungatart]

I have to back Ixion here. New Zealand has an unusual situation with ACC. We are covered for any kind of personal injury, a situation that is pretty much unheard of in the rest of the world.

Much as we want to bitch about the cost, we're bloody lucky. I bet you could find a number of people on this site who owe their lack of ongoing physical problems to ACC funded physio and/or doctors. It's not without it's flaws, but I personally think that the fact that if I have an accident I know I have some kind of cover is a relief. Not to mention the fact that no-one can sue my ass for accientally hitting their car.

Yeah, agree with all of that , except it is waaaay cheaper to get private work injury cover if you are self employed, so much so that the government decided that ACC was the ONLY way to go - need to fund their overseas trips, junkets and pensions somehow, I guess.
I still don't see how compulsory 3rd party insurance will work, given the numbers of unregistered, unwarranted vehicles on our roads, and the drivers who are disqualified or otherwise unlicenced.
How will they charge it? At what point in the system will you pay your 3rd party and to whom?

[Lou Girardin]

Like you have said most people hold insurance already, so surely making it compulsory wouldnt affect you as you already hold insurance?

Wouldnt it be a matter of having your name in a DB accessible to police (like the licensing one) that has your insurance details in it? And if you dont, you get to pay some more Roadside tax?

I can't source the figures at the moment, but the number of uninsured vehicles is significant. Then you have the anecdotal evidence of people who are faced with $5000 - $10,000 excesses for their Evo's, Sti's etc who decide to just take the risk. They're the ones who'll punt you off the road then disappear.

[Lou Girardin]

[sigh].

So unless the insurance companies are given a loop hole for totally unprincipled exploitation (not that they need much loophole), compulsary insurance will NOT work as a youth clobbering device. Even on a hotted up Subaru, it would not be (given genuine acturial costing) more than a couple of hundred a year. Chicken feed compared to what they spend on bling. And yes, I know , all you Poms think ACC should be abolished. Is that whinge #67, or are we up to #70 yet. Ain't gonna happen, and a damn good thing too.

Except that, insurance companies will not cover your aforementioned slack-jawed mouth breathing yokel and they will be on the road at their (illegal) risk. Then all we need is for Scummy, Spud, Indoo etc to do their what they do best.

[Ixion]

Why not? The worst they are up for is property damage to an expensive car, but the risk is relatively small. The premium may be high compared to other drivers but you are comparing a few hundred for said slack jawed etc with maybe $60 for other drivers. That's not much when you look at what they spend on bling. And most boi racers aren't bad insurance risks (mainly, admittedly, cos they spend most of their time posing, which doesn't pose much risk to other road users).Most of them can drive not too bad, too.

And I suspect that any insurer that tried to deliberately exclude any specific class of driver without sound acturial data to back it up would be in front of a civil rights lawsuit right smartish.

Face facts folks. This idea just does not fly. The only reason it "works" in the UK is cos the UK is barbaric and behind the times and doesn't have anything comparable to ACC.

[Timber020]

Trust the insurance companies to do the responsible thing

YEAH RIGHT


This is going to be very expensive and those who arent insured now who have the accidents are not going to change.

[Lou Girardin]

And I suspect that any insurer that tried to deliberately exclude any specific class of driver without sound acturial data to back it up would be in front of a civil rights lawsuit right smartish.



I beg to disagree. There is a wealth of evidence that shows young drivers in powerful cars to be a less than desirable risk factor.
While insurance in the UK is expensive (depending on where you live etc) there is no doubt that it makes powerful cars and bikes a no no for young people.

[Motu]

Insurance companies have to pull their head in on 3rd party restrictions too.All my vehicles I buy at zero value because they are normally non runners when I pick them up.They normaly have a minimum value...and how do I value my $500 Pajero? My latest drama with them is 3rd party fire and theft...I want to take my personal vehicles out of the company insurance cover and do them as personal vehicles.For 3rd party fire and theft they want them fully garaged...you can park them on the street with full cover.I don't have to ask why they make it so hard to have minimum cover - it's always money with these guys.

[GR81]

i was reading my policy for some unknown reason last night and i think it says something about if i have an accident and the other person has no insurance but i can prove they were at fault, they will pay upto $3k from memory.
which is better than nothing i guess, especially since my vehicles are all of a reasonably low value.

[The_Dover]

especially since my vehicles are all of a reasonably low value.

are they ALL hondas?

[GR81]

are they ALL hondas?
yes :(
CBR, CR and Civic

[The_Dover]

I'm sorry GR81.

I really feel for you, I'll stop taunting you now. No man should carry the burden of that much shame.

[skidMark]

yes :(
CBR, CR and Civic

somebody put this shell of a man out of his misery

[Sniper]

somebody put this shell of a man out of his misery

If it were legal, but the guy is OK.

You on the otherhand.....

[skidMark]

If it were legal, but the guy is OK.

You on the otherhand.....

if i were to point a gun at you....would you dance?

[The_Dover]

once his erection had gone down

[mattp]

3rd party insurance is what everyone on the road should have. Also it would be a good way of getting a lot of the "rubbish" cars off the road as the council estate people would not have the money to pay the insurance.

[Motu]

Who are insurance companies to decide what I should and should not drive - it's not their business.If they won't insure me,I'll run uninsured,simple as that.

[sAsLEX]

Who are insurance companies to decide what I should and should not drive - it's not their business.If they won't insure me,I'll run uninsured,simple as that.

I think you would be one that takes on what used to be known as "personal responsibility" though. People these days dont understand things like that.

And what you going to hit out the back of Huntly anyways?!

[Motu]

I say ban all insurance,it give a false sense of protection - people just don't care,their car will be fixed good as new and have a courtesy car while it's being repaired....no consequences for actions whatsoever.The best way to stop accidents is to remove seatbelts and fit a 6in spike to the centre of the steering wheel....and for motorcyclists,they should be made to ride without a helmet and in shorts and jandals - how many risks would they take then...how many cars pull out in front?

[digsaw]

ezactlee Moto,they is just theives:yes:

[moko]

Unfortunately, I can see lack of insurance as being a low priority for enforcement. Perhaps they can tie it to reg and wof's.

That`s what they`ve done here recently Lou.All that info`s on a computer in Swansea.When I renewed my road tax last week all I had to do was tap in the reference number on the reminder via my phone keypad,I then had to confirm that my bike was a Yamaha and the reg.no.The system then checked the computer to verify that my bike was M.O.T`d(same as wof) and insured,tax disc came in the post,all done with buttons and computers.To tax a vehicle here you need to show you`re vehicle`s m.o.t.`d and insured,used to be a case of taking all the paperwork to a post office,now it`s all on their database as soon as you insure or your bike passes the M.o.t.Not only that but the police have cameras which read numberplates and check directly with the computer,anything out of date or not registered to that vehicle and they get pulled,quite often the vehicle is impounded and often crushed.
As for the insurance itself that`s probably why the average age of bikers here is a lot higher than in N.Z,,riding experience and age are big factors and I know 17 year-old riders paying well over a grand(that`s pounds)for insurance,often bunged on their credit cards.As stated third party insurance here is compulsory and yes it`s high because it covers things like being sued for personal injury claims,this includes pillion passengers so you can save quite a bit by telling your insurers you wont carry a passenger,if you do and you have an accident you`re looking at probable bankruptcy given the pay-outs here so it`s not worth winging it.Another insurance issue here is that certain top of the range are all but un-insurable unless they`re alarmed,have an immobiliser fitted and garaged overnight somewhere secure.
Plenty here ride/drive with no insurance but with the new technology that`ll be just about impossible to do without getting nicked in the next few years.
Just to really cheer you up we`re also starting to see cameras that can work out your average speed between 2 points.

[Sniper]

if i were to point a gun at you....would you dance?

Ahahahahahaha. Thanks for the laugh

[clint640]

Pretty pointless really, It'll go on our already inflated rego, the irresponsible drivers out there with no wof, reg or insurance will still have no wof, reg or insurance.

& if this comes in I would put money on the fact that my combined insurance/rego bill will rise because of it.

They could just make it easier to actually get 3rd party, like Motu I've tried to get 3rd party on a couple of junkers I've owned & it's near impossible, or they'll give you 10% of the cover for 75% of the price of a full policy.

Cheers
Clint

[judecatmad]

Third party insurance IS still part of your registration fee . It's called ACC!

And the thing that noone seems to able to understand (incomprehensibly, because it is incredibly simple) is that the reason that other countries make third party insurance compulsary is so that if soone is injured in a motor accident there is (in theory) provison for them to be compensate dfor their injuroies. The reason NZ doesnt NOT have such a requirement is because it is already covered by ACC.

Bloody whinging Poms again, who are incapable of accepting that anything should be different to what it is "back home".

If the Poms had any sense they would scrap it (together with their asinine motorway overtaking rules) and copy NZ.



ACC only covers for PERSONAL injury - not damage to other vehicles. So if you happen to be the sensible joe who does have insurance and some tw@t who isn't insured decides to plough into you, sure you can get fixed under ACC but what about your vehicle (be it bike, car, horse float.....)? YOU end up being the sucker who is penalised by having your no claims stripped from you AND having to pay an excess.

Damn right 3rd party insurance should be compulsory.

(I speak from personal experience of having had a recent accident - in the car, not on the bike thank god - and being $300 down as a result and higher premiums to look forward to next year. And we have a disputes tribunal process to go through to get an award in our favour :mad: )

:Oi: And I AM a POM, however, I don't want everything to be the same over here as back home cos I love it here and I'm sad to see a lot of problems similar to back home cropping up (I do whinge a lot tho :D - it's in the genes!).

I do like the 'undertaking' rules better than having to always move right to go past some nanna in the middle lane.....but that stupid left turn rule still gets me! :confused:

Phew....glad I got that off my chest!

[scracha]

be high compared to other drivers but you are comparing a few hundred for said slack jawed etc with maybe $60 for other
drivers. That's not much when you look at what they spend on bling. And

Bwhahahaha. A few hundred. They wanted over $700 bucks to insure my bike (compared to 145 UK pounds, even without ACC). As an immigrant, with 14 years claim free riding I'm obviously a bigger risk than the boy racers. Bizzarrely they let me drive an SUV in this country for peanuts (1 yeras NCB, accident 2 years ago).



most boi racers aren't bad insurance risks (mainly, admittedly, cos they spend most of their time posing, which doesn't pose much risk to other road users).Most of them can drive not too bad, too.

Above comments are just ridiculous. Just look at stats on boy racer crashes and theft.



And I suspect that any insurer that tried to deliberately exclude any specific class of driver without sound acturial data to back it up would be in front of a civil rights lawsuit right smartish.

Erm..aren't ACC doing that with their rather large component of the motorcycle registration fee?



Face facts folks. This idea just does not fly. The only reason it "works" in the UK is cos the UK is barbaric and behind the times and doesn't have anything comparable to ACC.
Yeah, when someone crashed into me I was able to claim for ALL my loss of earnings Being paid 80% or whatever $hit the ACC comes up with seems barbaric to me. UK also has an uninsured loss recovery scheme that all insurance companies pay a %age towards in the event that some uninsured @#$cktard crashes into you.

The answer lies somewhere in the middle I feel. ACC is good but unfortunately many people abuse it. Peeps with bad driving history should pay more than the rest of us.

[jetboy]

Insurance companies have to pull their head in on 3rd party restrictions too.All my vehicles I buy at zero value because they are normally non runners when I pick them up.They normaly have a minimum value...and how do I value my $500 Pajero? My latest drama with them is 3rd party fire and theft...I want to take my personal vehicles out of the company insurance cover and do them as personal vehicles.For 3rd party fire and theft they want them fully garaged...you can park them on the street with full cover.I don't have to ask why they make it so hard to have minimum cover - it's always money with these guys.




It is not a set requirement for third party fire and theft vehicles to be in a secure garage....who told you this?

[judecatmad]

It is not a set requirement for third party fire and theft vehicles to be in a secure garage....who told you this?

Quite a number of bike policies DO have this requirement, definitely (even some fully comp policies). I didn't believe it myself until we moved our bike policies over to another insurer and I saw the clause for myself. Needless to say, we went right back to our old insurer!! It's a stupid requirement and makes a bike policy totally worthless.

[Max Preload]

im sure that third party is part of your rego in australia.....so why isnt it like that here?

It's not. What is referred to as '3rd party' in reference to registration costs in Australia is nothing more than the equivalent of our ACC levy - it's 3rd person injury not vehicle damage.

[slimjim]

I WANT TO TELL THE GOVERMENT TO "FUCK OFF" and LEAVE US ALONE

[topher]

I WANT TO TELL THE GOVERMENT TO "FUCK OFF" and LEAVE US ALONE

I'm in. Where does the queue start?

[lukelin250]

someone give me a microphone

[mattp]

Why should someone be able to drive/ride on the road without insurrance to cover me if they crash into me and it is their fault? For those that do not have an interest in this I would ask what you would do if you did not have full comp and someone crashed into you? Tell them to "fucking give me the money", blah, bullshit, blah!!!

If you think that this will not be coming into law soon then I'm sorry but you lack the knowledge of how much power large insurance companies have :angry:

[Balding Eagle]

I am in favour of compulsory Third Party Insurance. Right now I am having a hassle because of an accident I was involved in last year. Stupid woman hit my car from behind. Her first statement on getting out of her car was "I am not insured." Not "Are you hurt", "I am sorry", "Is there anything I can do" or anything concerned like that. She was taken to court and found guilty of dangerous driving causing an accident, fined $600 and ordered to pay medical costs to me and another driver she hit. I have not seen a cent and am not holding my breath. My insurance company is about to take her to the Small Claims Court to pay for the damage to my car. If there was compulsory Third Party Insurance I would not be in this situation.

The last thing you want is a system run by the government because it will be inefficient. The cost of premiums will be kept down if you have competition between the various insurance companies.

The big problem with this country is that there is a pervasive attitude that individuals do not have to be responsible for their actions. Don't worry about what you do; you won't be held accountable. Look around you in every day life. People get away with walking away from personal responsibility. If I drive my vehicle in such a way that it causes damage to someone elses property, I expect to be held accountable and I expect my fellow citizens to operate to the same standard. Regretably that doesn't happen. For that reason compulsory Third Party Insurance works from me.

[JT.]

I doubt it will happen here, though if it did I would hope the glubermunt would regulate it. At least they don't have their hands in the pie so it would be a damn sight better than the joke of electricity industry regulation.



Above comments are just ridiculous. Just look at stats on boy racer crashes and theft.

http://tvnz.co.nz/view/page/423466/818227 - Aug '06

"Statistics-wise we know that ~2.5% of all crashes nationwide are attributed to boy racer activity or people involved in illegal street racing," says Pullen.

They should all be shot, along with all asians, women, old timers and bus drivers.

[Wolf]

I'm fine with compulsory property-damage insurance for vehicles provided the rider/driver is insured (part of driver licensing) not the vehicle (part of vehicle licensing) - so we don't have to wind up paying for the convenience of having more than one vehicle each - and that we get to choose our insurers ourselves from proper insurance companies (healthy competition) rather than it being a govt-run revenue-gathering policy/law-dictating den of thieves like the ACC.

Regrettably, as this is our thieving government we're talking about, it'll be given over to ACC or some newly-formed pack of govt scumbags who will ensure you have separate insurance for every vehicle in your fleet, charge whatever exhorbitant premiums and excesses they like because you've got no choice but to pay them and will then start saying "too many accidents are caused by people picking their noses at traffic lights", demand a law is passed and insist that the cops supply officers with cameras for randomly chosen intersections to catch offenders in the act, so between them and the cops devoted to waving lasers and cameras to catch speeders there won't be any officers left to fight the rising tide of burglaries and violent offences.

Sensible:
You are insured to drive a vehicle up to a certain value, of a certain type and pay based on your age and driving experience/how many prangs you've had lately for a certain premium, chosen from the available insurers. If you own other vehicles of a lesser value, they are automatically covered when you're driving. If you go out and buy a Dodge Viper or a Porsche 911, your premiums go up (unless you already own one) to accomodate the more expensive sportier vehicle. If your car is a 1970 Morris Minor in a sad state of repair, you are not insured to drive your brother's Porsche.

This means that "high risk" drivers will not be able to afford insurance for "high risk" vehicles, so junior on a Learner licence cannot drive mummy's MR-2 or cuzzie's RX-8 as they have not paid for sufficient insurance.

Government:
You pay our designated insurance company whatever they ask for every vehicle you own right down to your bicycle and if you loan your young friend your Ferrari it is insured but you have to add them to your policy and pay the additional costs for having a high risk person drive your car.

Then, if you have an accident, our insurance company will pay out 80% of the damage costs and you foot the bill for the rest...

Then we'll send private investigators around to your place to see if we can find something to justify weasling out of our obligation to pay and the serious crash unit will be sent out to all crashes, no matter how minor, even if there are no serious injuries or fatalities, because if we have to part with any of the money we've screwed out of you then it is fucking "serious" to us.

As to people driving without insurance, get tough, give the police some real powers - instant impoundment, and sale or destruction of, vehicle; loss of licence; prison terms on a "3-strikes, you're out" basis etc if caught driving without insurance and instant prison term and consecutive loss of licence period for causing an accident when not insured, etc. Drive home the message that it costs more not to be insured. Will need to be backed up with similar measures for driving whilst disqualified. While they're at it, bring in mandatory prison terms for repeat DIC rather than leaving it to the "discretion" of judges (who're renowned for letting recidivist drink drivers out to kill people) So a lot of mouth-breathers are going to lose vehicles and licences and spend time in prison :whocares:

Politically I'm pretty libertarian in outlook and I'm opposed to most of the nanny-state, senseless and needless rules we have but I'm not an anarchist and I know we need to have some firm, useful rules. I think there are a few areas where our laws could be comfortably made a bit more draconian than they currently are. Never mind bringing in new laws governing smacking, do something about the existing laws that fail to stop people driving unsafe vehicles around the roads.