No cut in motorcycle ACC levies

[bogan]

Well who thinks their insurance will cover them if they ride on an expired or on hold rego? That is the connection.

Of course they will, rego status has nothing to do with vehicle roadworthyness or risk of accident.

[Ulsterkiwi]

Is there a correlation between vehicles with no WOF or Rego also not having insurance? I really dont know, I am curious.

I see Bogan's point but are insurance companies not infamous for finding reasons to avoid paying out? (or is that another urban myth?)

[Ulsterkiwi]

Probably fair if I'd called you a Nazi for your post, but in reality it's just some off topic old fool wanting to wax lyrical about young whipper snappers, and how when he was a boy during the troubles he knew what a real police state was wah wah

Nope, wrong again.

[Oakie]

Not sure why anyone would be paying for rego on a bike these days. Not worth the silly expense. Like you said, if you do the maths you're almost always better off taking your chances.

I pay without breaking a sweat because:
A) it's my legal responsiblity to do so (just as it's my legal responsibility not to kick some people in the nuts even though they richly deserve it)
and
B) then I don't have to get nervous whenever a cop happens to be driving behind me

I just regard the ACC levy as medical insurance and income insurance wrapped into one and then it doesn't seem so bad.

[biketimus_prime]

I asked kiwibike about insurance and not having rego. They said it doesn't matter if you don't have registration as it's the road worthiness of the bike that matters. They did say though that even if you have a WOF, if the bike was unsafe at the time of the crash, and they deem that unsafe thing was partly or fully the cause of the accident, then that's an issue.


The person on the phone may have also said they have no registration on their bikes and rides them around all the time. Because the costs are BS, especially when you have multiple bikes.


I myself am notorious for letting my rego expire for a month or so at most, mainly because I'm a broke student. I always do pay up eventually though because I'm trying to keep a clean driving record since my boy racer days
Easier to talk a cop out of at ticket for a few weeks of lapsed rego than a year's worth!

[strumpet]

Having no rego or WOF doesn't mean you won't be paid out by your insurance company,
in the event of an accident. Its whether your vehicle was roadworthy or not. If not, you're no chance of a payout. Google IAG's website and that'll confirm it. Its in the small print somewhere!

[motobob]

I pay without breaking a sweat because:
A) it's my legal responsiblity to do so (just as it's my legal responsibility not to kick some people in the nuts even though they richly deserve it)
and
B) then I don't have to get nervous whenever a cop happens to be driving behind me

I just regard the ACC levy as medical insurance and income insurance wrapped into one and then it doesn't seem so bad.

It is Insurance. Actually you don't realise the benefit of ACC until you need it. When I was in the Spinal unit there were 3 of us there. We sure appreciate the LOW cost of the ACC levy. Like tax it hurts to pay it but you do appreciate the benefits when they occur.

Still complaining definitely keeps the levy lower and so does not falling off your motorcycle.

[Mike.Gayner]

It is Insurance. Actually you don't realise the benefit of ACC until you need it. When I was in the Spinal unit there were 3 of us there. We sure appreciate the LOW cost of the ACC levy. Like tax it hurts to pay it but you do appreciate the benefits when they occur.

Still complaining definitely keeps the levy lower and so does not falling off your motorcycle.

Those who defend ACC levies, please explain why I need to pay them on my car AND my main motorbike AND my other motorbike. I get use them all at once - why wouldn't I just pay the highest levy and be done with it?

They can fuck themselves, frankly.

[Katman]

Those who defend ACC levies.....

I don't think that anyone is trying to defend the current ACC levies. I mean, no-one in their right mind would buy the theory that a DR650 is more deserving of a higher levy than a GSXR600.

What many of us accept though is that, regardless of the unfairness of it, the reality is that we have brought these increases upon ourselves.

If we stopped seeing ourselves as Mad Max road warriors we might gain a more favourable ear from TPTB.

[hayd3n]

last no reg i got was $100 and 35 demerits

[Ocean1]

Those who defend ACC levies, please explain why I need to pay them on my car AND my main motorbike AND my other motorbike. I get use them all at once - why wouldn't I just pay the highest levy and be done with it?

They can fuck themselves, frankly.

Yup. Looking at my business levy invoice atm too, adding that to a rough estimate for total cost across all accounts for this one miserable body produces a figure somewhere north of $7k.

Have you any idea how tempting it is to c/p the text from their letter declining cover for treatment for my torn ACL on the basis that it was a "pre existing" condition directly into their pro-forma remittance advice note along with a cheque for "fuck all" and bunging the lot in the mail?

Along with, possibly some medical texts Describing the likelihood of tearing ligaments progressively over several years...

[Voltaire]

Be keen to hear from anyone who got an insurance pay out with no rego or wof
or maybe its a KB urban myth.
I think ACC charging levies on multiple vehicles sucks, it forces me to buy pre 1975 bikes.

[Ocean1]

If we stopped seeing ourselves as Mad Max road warriors we might gain a more favourable ear from TPTB.

Yeah right, along with all those rabidly delinquent diesel van drivers who have to pay well over the odds.

[Ocean1]

Be keen to hear from anyone who got an insurance pay out with no rego or wof
or maybe its a KB urban myth.

Can't help you personally, but I know of a few unregistered vehicle claims that've been paid without question.

And one perfectly legal vehicle that was declined because the front tyres were unwarrantable.

[Mike.Gayner]

Be keen to hear from anyone who got an insurance pay out with no rego or wof
or maybe its a KB urban myth.
I think ACC charging levies on multiple vehicles sucks, it forces me to buy pre 1975 bikes.

A few years ago I got into an accident in my car - some dick head backed out in front of me. He disputed liability so off to disputes we went. I had no WOF and that was his key defence. He lost, the adjudicator didn't want to know anything about it. The assessors had already photographed my (good) tyres and noted the car as road worthy. My insurance paid me, he didn't have insurance so presumably my insurance chased him for the bill. No excess either as I wasn't at fault.