ACC doesn't take a premium from everyone covered by the scheme - they couldn't do that and still have it work as well as it does.
But when they do charge a premium, they take risk into account.
And you say 'risks incurred by cagers...' I mean, ho hum; the majority of motorcycle crashes are single-vehicle incidents. And it's the motorcyclists that get hurt, isn't it? You ride a motorcycle, you're at risk of getting hurt, you pay more premium, kthxbye.
Life's never perfectly fair, and grumbling about the extra ACC premiums for motorcycles (I mean, it's an extra $50 a year or so, FFS; you and I probably spend that much on takeout lattes every fortnight) smells to me like someone's trying far too hard to feel discriminated against.
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