Couldn't Rego the bike if I wanted to...

[Sliver]

put your rego on hold?

[Conquiztador]

yep it's a wank system. even more wank that WOF isn't even valid for 6mths as advertised, try getting a vehicle licence in the last month before "expiry"... it ain't happening

Do it on line.

[Ntoxcated]

yep it's a wank system

Do it on line.

[pete376403]

Question: does insurance pay out if your rego is out of date? I would think they don't if WOF is out, but not sure about rego.

Something I asked State insurance about a while ago:


With regards to motor vehicle insurance - if a vehicle which is covered by a current State Insurance policy is involved in an accident and the registration of that motor vehichle is not current, would that be grounds for State to deny insurance cover? Could you please quote the relevant section of the policy in your reply.


In regards to your online enquiry :

If a vehicle has an accident when its registration is not up to date we would still consider the claim on a without prejudice basis.
If the vehicle in question was not at fault for the accident then we would accept the claim (if everything else was OK) as your vehicle being on the road was not causative to the accident.
If you think your vehicle was at fault then it is possible your claim would be accepted but we would need to discuss the exact circumstances with you to determine this.

In any case the best option is to contact State on 0800 80 24 24 and speak to one of our claims consultants who can help with your query.



Policy Wordings to take note of :

This is under Exclusions that apply to the whole policy:

Unsafe or unroadworthy
You’re not covered if the vehicle is being used in an unsafe or unroadworthy condition, and:
1. the condition of the vehicle contributed to loss or liability,
and
2. the driver should have been aware of that condition and that the condition could result in damage to the vehicle.

[Gremlin]

So what's your problem?
Just wait for the part, get it fitted, get wof, get rego.
It's not going to cost you any more.

I've already waited 7-10 days for the first broken headlight to arrive, and I've got stuff to organise and bits to fit to the bike... I'll have to hope like hell when I move it around this weekend to work on it (stored in garage at work, but tools at home, no space at work to work on it) that the cops leave me alone... It's going to be reasonably tight just getting the headlight done before Paeroa, with probably no spare weekends, and Saturday morning new tyres, Saturday afternoon to Thames (marshals stay at Thames) then Sunday Paeroa. Tues/Wed leave for South Island...

A mate might have been onto something... change my name to Lucky

[sleemanj]

Protector and QBE will not cover you if you do not have registration.

1. Registration (your number plate) is not the same thing as a current vehicle licence (your bit of paper in the window).

2. Of course they can decline to offer you cover in the first place (apart from the illegal discrimination types
of course), but if you have cover they can not decline a claim for just whatever reason they like.

3. If Protector and QBE are declining claims based on the absence of current vehicle licence, then they are "trying it on" and preying on the ignorance of their clients, and breaking the law, not just in the ILRA but also likely by misleading their clients about their rights under the FTA. A simple reminder of their obligations under the law should suffice without having to drag in the Ombudsman.

4. The reason is simple, if they were allowed to do this, then even my grandma could be caught out "oh sorry your car got stolen but we see from carjam you have overlooked your vehicle licence which was overdue so we won't be paying you anything".

[gijoe1313]

Gremlin by name, gremlin by nature! The biking gods do have a sense of humour! If you need a hand, give me a call!

[Swoop]

Question: does insurance pay out if your rego is out of date? I would think they don't if WOF is out, but not sure about rego.

Get a decent insurer and there is no problem whatsoever.

I bought last January at 4000km, now it sits at 41,000km. I didn't do that with the rego on hold and it sitting in the garage!

Not so. Just ask the air farce police who have to do a certain amount of Km "patrolling" perimeter fences, when it can be done sitting on jacks in the garage... while the occupants watch tv in a nearby room...

[baffa]

As others have said, it depends on the insurance company, but they can decline cover if your vehicle causes an accident if it is not road legal. In the eyes of the law, It simply shouldnt have been on the road in the first place.

[Conquiztador]

Do it on line.

Had a re-read of the OP. As there is no current WOF you will not get rego. I did missread and thought the "30 days complience" you stated meant that the old WOF was still current for less than 30 days. But not.

The "30 day compliance" only means that you have 30 days to take the bike to the same place w/o having to pay again. Nothing else. It does not give you a right to ride on the road for any other reason.

[Brian d marge]

ok
solved the problem

1. sell the bike and buy a Royal Enfield. ( ok an " also ran " make like bsa will suffice)
2. wear and viz safety stripe
3. don't pay for insurance, rego and wof

trust me it works
never had insurance, no one will steal an Enfield , and the high viz vest will cause the popo , to stand and salute a responsible motor by cyclist

Stephen

[Gremlin]

The "30 day compliance" only means that you have 30 days to take the bike to the same place w/o having to pay again. Nothing else. It does not give you a right to ride on the road for any other reason.

Ah, I did wonder about that. Had a client once who said he would go with a broken (or removed) light bulb, fail, then have 39 days, ergo getting 7 months, but I honestly couldn't see a point in wasting that time. Anyway, been riding the bike as little as possible (handy having more than one), but did wonder if a cop ran my plate while going to shop to get it sorted etc.

Either way... another headlight has arrived, so booked in on Tuesday... hopefully it all gets sorted.

[Matt_TG]

Protector and QBE will not cover you if you do not have registration. Vero will if you have a WOF only. As for the guy who said a registration was still current up to a year after it expired this would unlikely get you off an infringment notice before a year was up.

The first two companies listed there prefer not to pay any claims to be honest. Some insurers look to how they can pay a claim, others not so much... Vero to be fair are one that will generally look to what they can pay.

The Insurance Law Reform Acts are basic insurance knowledge. Anyone in the industry with qualifications will have sat exams and written assignments based on the various regulations. If you talk to someone "in insurance" that can't comprehend this principle, which is covered in one of the introductory papers, ask to talk to someone with at least an ANZIIF Associate qualification.

The Insurance and Savings Ombudsman is there if you really do have a valid problem and have exhausted all the insurer's resolution processes.