No Insurance

[rok-the-boat]

I am new to New Zealand and insured my little car fully comp, as usual. However, someone has told me you don't even need insurance in NZ to drive o nthe road.

Is this true? And what about bikes? If true, sounds kind of crazy to me. So, what's the verdict?

[White trash]

Well crash into me without it and you'll be wishing you had medical. But no, strangely enough, insurance is not a legal requirement to drive in NZ.

Welcome by the way, nice bike.

[Crasherfromwayback]

Know a bit about insurance do ya mate? :-p

[Ixion]

This is because you pay an insurance premium automatically, equivalent to third party, the minimum UK requirement, as part of your vehicle licensing fee. It is part of our Accident Compensation scheme, a sort of government run, national insurance scheme that covers everybody against any accident. You pay the premiums for this in several ways, as part of your vehicle license fee, as a fuel tax, and as part of your PAYE (income tax ).

So it is not true that NZ does not have motor vehicle third party insurance, it is just you do not see it because you do not need to organise it yourself.

[bugjuice]

welcome guys..
fellow pom here (shut up you lot)

Nope, don't need insurance to drive around here. Thing that sucks, is that if you're insured and some uninsured hits you... you better run after them quick.. As stupid as some quotes can be, it's one of those catch 22 things

[Crasherfromwayback]

Bollocks, not true

[GR81]

Bollocks, not true

explain yourself then!

[Crasherfromwayback]

There is NO AUTOMATIC 3rd party vehicle insurance in NZ.
If you're not insured, and the queer c*nt that hits you isn't either, you're fucked.

[Qkchk:Me]

This is because you pay an insurance premium automatically, equivalent to third party, the minimum UK requirement, as part of your vehicle licensing fee. It is part of our Accident Compensation scheme, a sort of government run, national insurance scheme that covers everybody against any accident. You pay the premiums for this in several ways, as part of your vehicle license fee, as a fuel tax, and as part of your PAYE (income tax ).

So it is not true that NZ does not have motor vehicle third party insurance, it is just you do not see it because you do not need to organise it yourself.

What he means is when we pay for car/motorbike registration, a large sum of the fee goes to Accident Compensation Corp who pay out if you are injured in a Motor vehicle accident (or playing sport or fell over at home etc....) its a form of compulsary MEDICAL cover but not INSURANCE as in the vehicle repair type. As someone mentioned earlier, if you have full cover and they dont have any at all (which happens alot in the 'slum' areas quite often) make sure you try to stop them cause they probably will try to run. Most people who dont have insurance usually dont have a/the right type of licence. Get as much info on them as you can like their drivers licence number, rego of the car so at least your insurance comp can track them down.

Becides all that, hope you enjoy our beautiful scenery and roads in NZ.

[onearmedbandit]

Yup, haven't seen ACC paying for repairs to crashed cars before!

[White trash]

Know a bit about insurance do ya mate? :-p

I know all about it. Why we have it, when you try and defraud it ya gets what's comin' to ya, if ya don't got it you wish you had it and when you've got it, you wonder why the hell you're payin it.

[cowpoos]

There is NO AUTOMATIC 3rd party vehicle insurance in NZ.
If you're not insured, and the queer c*nt that hits you isn't either, you're fucked.

ain't that what people have been saying in this thread?

[White trash]

This is because you pay an insurance premium automatically, equivalent to third party, the minimum UK requirement, as part of your vehicle licensing fee. It is part of our Accident Compensation scheme, a sort of government run, national insurance scheme that covers everybody against any accident. You pay the premiums for this in several ways, as part of your vehicle license fee, as a fuel tax, and as part of your PAYE (income tax ).

So it is not true that NZ does not have motor vehicle third party insurance, it is just you do not see it because you do not need to organise it yourself.

ACC is more like a form of medical insurance, doubt they'll ever fork out for a broken bike that someone knocked over. Just the broken ankle that came with it.

[Ixion]

NZ follows the pre 1987 practice in the UK. (Road Traffic Act 1972 I think, which itself consolidated long standing practice under previous instruments).

That required (as does NZ) third party personal injury cover. The 1987 amendment extended that to third party injury and property damage, at the behest of the EU.

NZ is not part of the EU (thank goodness) so we can ignore their plaints. The difference in NZ to pre-1987 UK is that in NZ the insurance is "automatic" - you don't have to arrange it yourself. It has always been thus in this country , even before the ACC, you used to have to nominate a company when licensing your vehicle. Note that the ACC cover is NOT affected even if the other person's vehicle is not registered. You have coverage against personal injury at all times.

[Crasherfromwayback]

cheeky c*nt.