OK this is how it works,
Farm quad crashes are lumped in with the work place injurys, which is paid for by the employers levy, which charges farmers some of the highest rates with forestry contractors, due to the number of accidents in the industry
Road Bike crashes come out of the motor vehicle levy, which is collected from Fuel and rego levy's,. which is why when you fill out a ACC form, it asks you if the accident happend on a public road, or beach (which is technically a public road)
Motocross crashes are paid for out of the general levy, as all sports are, (rugby being the top claimer) which is funded out of the employee levy which is standard across the board for all wage and salary earners,
as stated above, with a beach accident on a quad you may get a cross over, but it would be exception not the rule
now before you start saying farm quad accidents push your road bike fees, there were 41 riders and passengers killed on the road in the last year, (
http://www.nzta.govt.nz/resources/road-deaths/toll.html) and only 5 quad related deaths , and at the moment its over 2 quads for every road bike and scooter being sold in NZ at the moment, the average farm quad would do probably over 10 x the hours a week than the average road bike rider would in my experience
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