When I purchased my first bike three years back I also bought full medical, disability, income protection and life insurance that would cover both the wife and I should the unspeakable happen. The decision to once again take up biking was taken in its entirety and that included taking financial responsibility for any offs I may have.
I have lived most of my life outside of NZ in countries where citizens are left to fend for themselves so the idea of relying on the state is foreign to me.
Unfortunately this does not mean I get any discount on the ACC levy component of my annual reg

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