No Insurance

[Sniper]

cheeky c*nt.

Alternate ego?

[White trash]

Whos? Yours?

Actually, it's the biggest ego you ever met. One to rival my own in fact.

[Lias]

As one of my pommy mates has pointed out to me.. Mandatory insurance would be farken great, cos we all know that the boy racers could never afford the insurance for the souped up beasts they drive, so they'd all be fucked :-)

[Crasherfromwayback]

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.

By the way.....my "cheeky c*nt" reference was for WT, not the post above my previous one.
He's a good mate and I used to work with him, and he was having a friendly dig at my ankle injury from Boxing day.
I was returning the favour.

[rok-the-boat]

So, the gist is I can ride/drive anything as long as it has been registered. Sounds rather stupid to me but then, in the UK I could often barely afford more than third party only anyway. Still, here in NZ I'll do the good deed and insure my trusty steed in case one of those boy racer types makes me bleed. Shit, that almost rhymes ...

[HenryDorsetCase]

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.

thats "only" personal injury, doesnt cover damage to property.

[rok-the-boat]

Just talked to the AA - they said that the Rego ACC insurance does not allow you to drive on the road. Anyway, my ride is now insured by KiwiBiker - thanks to a recommendation on another thread.

[Insanity_rules]

We're one of a few countries that don't have a mandatory requirement for some kind of insurance. Not a good thing either.

[rok-the-boat]

This is an email I gotfrom landtransport.govt.nz - basically, they advise that INSURANCE IS NOT INCLUDED in the licensing fee.

--------------------
I can confirm that third party insurance is not included in a vehicle's licensing fee.

The money collected through motor vehicle licensing goes to a variety of funds:
The licence fee goes to the National Land Transport Fund for road construction, and to safety programmes run by Land Transport New Zealand and the New Zealand Police.
The Accident Compensation Commission (ACC) Motor Vehicle Account Levy is collected on behalf of the ACC. This levy covers the medical costs related to injuries that happen on public roads.
An administration and licence label fee funds the operating costs of the services provided by Land Transport New Zealand and its agents.
Motor vehicles may be subject to one or more of the following levies, depending on their type and use:

Safety Standards levy
Audit and Standards levy
Transport licence fee.
As a matter of interest, I have attached a link to our website on vehicle licensing.
http://www.landtransport.govt.nz/factsheets/49.html

I hope this has been of assistance.

Kind Regards,

Email Response Team
Transport Registry Centre
Land Transport New Zealand
Ashley Street
PALMERSTON NORTH
---------------------------

[rok-the-boat]

I called 'LandTransport' to find out about international driving licences and during the conversation the woman confirmed that you DO NOT NEED INSURANCE in New Zealand. I asked her if she thought that was crazy and she said yes. It is nothing to do with Rego, just a simple fact. Which, of course, means, as a biker, you need fully comprehensive in case someone with no insurance crashes into you!

Incidentally, an international licence becomes invalid when you apply to get an NZ licence. Kinda stupid, and means you can no longer drive your car or bike until you pass you test(s), even though you have been driving/riding for months. I wonder, actually, if it is legal to do that - what it means is that international agreements mean zilch.

[Babelfish]

As one of my pommy mates has pointed out to me.. Mandatory insurance would be farken great, cos we all know that the boy racers could never afford the insurance for the souped up beasts they drive, so they'd all be fucked :-)

Definately agree...since a. I've passed through that stage (sort of) and b. I could never afford a flash-git car 'cos I put money into insuring me and others on the road.

The one prob with manditory insurance is that it allows insurers to nail not just the boy racers, but everyone. Insurance premiums in the UK (just got back from over there) are crazy with a capital FARK!

But I'd rather it manditory than have cockheads out there not being arsed and then driving within 100 meters of me.

[Roj]

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.

this is not quite true, the acc levies pay for medical bills but not any damage to vehicles or anything else, what it is suppossed to offer is "no fault accident cover" for medical costs related to accidents, nothing else, what the compulsory 3rd party insurance elswhere in the world covers the damage to vehicles and things

There has been plenty of debate over this subject due to the number of uninsured drivers around

[jetboy]

there is an excellent link on kiwibikere here --> http://www.kiwibiker.co.nz/forums/sh...ad.php?t=33796

[klingon]

This is an email I gotfrom landtransport.govt.nz - basically, they advise that INSURANCE IS NOT INCLUDED in the licensing fee.

--------------------
I can confirm that third party insurance is not included in a vehicle's licensing fee.

The money collected through motor vehicle licensing goes to a variety of funds:
The licence fee goes to the National Land Transport Fund for road construction, and to safety programmes run by Land Transport New Zealand and the New Zealand Police.
The Accident Compensation Commission (ACC) Motor Vehicle Account Levy is collected on behalf of the ACC. This levy covers the medical costs related to injuries that happen on public roads.
An administration and licence label fee funds the operating costs of the services provided by Land Transport New Zealand and its agents.
Motor vehicles may be subject to one or more of the following levies, depending on their type and use:

Safety Standards levy
Audit and Standards levy
Transport licence fee.
As a matter of interest, I have attached a link to our website on vehicle licensing.
http://www.landtransport.govt.nz/factsheets/49.html

I hope this has been of assistance.

Kind Regards,

Email Response Team
Transport Registry Centre
Land Transport New Zealand
Ashley Street
PALMERSTON NORTH
---------------------------

rok, depending on your immigration status in NZ, you may not even be covered by ACC if you're injured in an accident (on the road or elsewhere). If you're a citizen or permanent resident you should be fine, but if you're here on another kind of visa you should make sure you have comprehensive medical insurance.

This is one of the loopholes of our ACC system for non-residents. If you were in a country where 3rd party insurance is compulsory, and some twit knocked you off your bike, you would sue them and their 3rd party insurance would pay for your medical costs. In NZ if I run you down and I'm not insured, you can't sue me, you can't sue my insurance company and you don't qualify for ACC.

Welcome to New Zealand!

[rok-the-boat]

This is one of the loopholes of our ACC system for non-residents. If you were in a country where 3rd party insurance is compulsory, and some twit knocked you off your bike, you would sue them and their 3rd party insurance would pay for your medical costs. In NZ if I run you down and I'm not insured, you can't sue me, you can't sue my insurance company and you don't qualify for ACC.

Welcome to New Zealand!

I can still sue you, it's just that I won't get anything, right?