Yeah I would reckon the actual risk is the same for any car on the road. Once it's out the drive it's at risk. It may go out the drive less often though. The occupants are at greater risk due to poorer safety features. However I am all for cheaper insurances. I just can't see why it's only cheaper for club members. If my car passes it's pink slip it's exactly the same standard as a historically registered car. My driving history has far more relevance than the car I drive. I drive around 50000 km a year. If I got my WB out for two trips a year that is included in those kilometers. I am the risk. Not the car.