Insurance-Registration-ACC

[Owl]

To paraphrase her opinion; it would be a potential can of worms that an insurer would not recommend, and would definitely want to be advised of if a customer was intending to take such an option.

Therefore wouldn't that come under "Material Fact"?

Not something I'd like to test!

As a side note, my partner recently placed a "Hold Cover" with NZI on a vehicle that was unregistered at the time. She was told the WOF was not an issue unless it was not up to standard, however there would be "no cover while driving" until it was registered.

[kwaka_crasher]

The problem is this is vehicle licencing, NOT registration.

Pet peeve of mine.

As long as the registration has not lapsed, that is to say it is on hold, or not more than two years overdue, you can get a WOF.

After 1 year of being unlicenced and not exempted vehicles subject to continuous licencing will be deregistered. It extends to two years if they're not subject to continuous licencing (trailers etc).

The real problem lies in that a vehicle must be registered in order to be able to get a WOF (or COF).

As everyone has said, other way around. It used to be that way around, like, last millenium.

This urban myth seems to be immortal

Isn't it just.

[Nasty]

Hi guys

I have not found this elsewhere but it needs to be asked if you are not going to pay your rego -

If you are unregistered is your bike covered for accident under your insurance.

I will not go on the road without insurance - therefore it means I need a fully registered and warrented bike.

[Owl]

I see someone posted up a reply from State (IAG) hinting that they probably would pay out on an unregistered vehicle.

Rather interesting that we were told recently by NZI (IAG) "there can be no cover" while driving an unregistered vehicle.

My bike is insured through NAC (also IAG) and I'm not even going to bother asking them. I pay too much for insurance to put it at risk!

[James Deuce]

Nobody wants to die, everybody wants to go to heaven.

[davereid]

Use the search function, lots of posts here. The answer is apparently yes you remain insured. Ixion posted a bit of insurance law which effectively stops the insurer backing out unless he can prove the lack of rego contributed to the crash. The fact you were breaking the law is, it appears irrelevant, as of course in any crash, someone is breaking the law..

[kwaka_crasher]

Hi guys

I have not found this elsewhere but it needs to be asked if you are not going to pay your rego -

If you are unregistered is your bike covered for accident under your insurance.

I will not go on the road without insurance - therefore it means I need a fully registered and warrented bike.

The Insurance Law Reform Act 1977 states:

Mis-statements in other contracts of insurance

(1) A contract of insurance shall not be avoided by reason only of any statement made in any proposal or other document on the faith of which the contract was entered into, reinstated, or renewed by the insurer unless the statement—

(a) Was substantially incorrect; and

(b) Was material.

and there can be no contracting out.

See materiality defined.

In short, you are covered as the fact you have not paid for a vehicle licence is arguably immaterial and they cannot deny cover on this basis regardless of the contract (see no contracting out). Of course they'll try, but don't they always, anyway?