It seems to me that we are all missing the point here. Consider this.
ACC was set up to be no fault and funded by motorists and employers. This means that if you have an accident, you are medically treated without regard to whose fault it was and the cost is borne by motorists and employers. It was done this way because the means of extracting money from these groups already existed and for almost no other reasons. However, this is not necessarily a bad thing.
But surely it follows, that putting the payers into risk assessed groups and charging them accordingly makes absolutely no sense when they are paying for everybody. How do you justify categorising the payers when whole groups of consumers are not levied at all???
I have read most of Gareth' comments as well. Much of what he says is logically correct but not relevant. He is not comparing apples with apples. He effectively admits that e.g. rugby players as a group cost about as much as bikers (in very general terms) but then effectively excuses them by saying that because there are more of them, the individual risk is less and so the comparason is not fair. I cry bullshit! Of course it's fair. ACC are considering us as a group and acting against us as a group. It is the group that is being held to account and so we are entirely fair in making comparasons with the money consumption of other groups.
It is the very fact that some of these other (expensive) groups consume as much money or more money than bikers, but are not levied, that makes risk categorising the payers untenable.
It seems to me that taxing motorists and employers to fund ACC is a pragmatic and practical way to raise funding because I am unable to suggest something better. But risk categorising them in the name of fairness while letting whole groups go untapped is just a logical nonsense.
One further thing - if you accept that the people who pay should be risk categorised and I don't, but I accept that it's unlikely to change, then Gareth is right in one thing; we should be able to reduce our individual levy by improving our individual performance. Employers have had that latitude for years and we are now effectively lumped with them.
I may not be as good as I once was, but I'm as good once as I always was.
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