Quote Originally Posted by wbute View Post
No I mean normal rego. Not club rego. If you could get cheaper CTP from clubs then the actual rego cost is not very expensive. Motorcross clubs are worked like this. You pay a fee of about $250 to MANSW for a license and then a small entry fee to each race and club membership. Otherwise the insurance would prohibit anyone from racing.
Perhaps all clubs in each state need to form a combined organisation and provide subsidised insurance to members?
I think I get what you're saying, but it's not any 'club' which provides the CTP.

CTP is the acronym for COMPULSORY THIRD PARTY insurance & like anything 'compulsory' has been rorted to the n-th degree. It is a closed club very neatly sewn up between the insurance, legal & medical professions & as such spirals (upwards) in cost, year in, year out. Only a few insurance companies are 'allowed' to provide CTP.

I doubt that the premium paid in any way represents the actual cost of claims. Do the maths. In previous decades Australia (NSW in particular) had the highest road death & injury rates in the world bar none. Nowadays, the cars are immeasurably safer & the are roads seriously better, resulting in a major decline in the rate of death & injury. The death rate alone, has gone down from around 4,000 per year in 1970 to around 1,200 today, while the number of drivers & cars on the road had doubled or tripled in that same time. Why then are we paying CTP rates that a 5 to 8 times higher than only a decade or 2 ago ? The actual payouts are also capped so somebody can't get a $500,000 gift for 2 broken fingers.

Dr Terry