Historic rego

**wbute** · 21-03-2014, 08:03 AM

Originally Posted by Dr Terry

Not so. The more kms a car is driven & the more days it is on the road the higher the risk. Historic rego is worked out to be 2/7 of 'normal rego because on average it is only going to be on the road 2 days max. out of 7. The green slip component is also much lower for reasons mentioned above. It's like comprehensive insurance, if you're 21 years old & drive a VT SS to work every day, do 25,000 km per year & live in Liverpool in Sydney, the odds are that you will have a smash or have it stolen inside its 1st year. If, on the other hand you are 60 years old, retired, drive a Peugeot 206 5,000 km per year & live in Canberra, the odds are much, much lower of having any insurance claim. The cost of insurance policies reflect this risk. Dr Terry

The risk is equal once the car is out the drive regardless of how many times it's on the road. The opportunity is lessened.
I am all for cheaper rego and insurance though.
I guess Shannon's offer $50 a year comprehensive insurance on a $40000 restored Sandman because it's on Historic plates? The reasons should be the same. It's only on the road a few times a year?

**RodneyHZ253** · 21-03-2014, 08:24 AM

Wow this thread has taken of I'll try read this all later but in short wb our club would have no problem including your wb ute in historic rego we have a member with a wb ute much like yours .
Sure you do have mags but they are 14 inch and look period and don't look to be over wide and hanging out of the guards etc
The bull bar would also be consider period correct as even my sandman in the day had a 4post bull bar fitted when I went to Ivanhoe to visit rels at least twice a year
There is a guide on historic rego on the rms site I'll try to put a link up later got to get to work

**wbute** · 21-03-2014, 08:27 AM

The more I think about the risk thing the stupider it seems. So you take the Sandman out for a drive once a month it's hardly a risk. Right I get that. You take the Hilux to work every working day it's a higher risk. I get that. Explain this to me. Isn't the same person driving both cars? They were on the road driving them 100% of the time?
The DRIVER is the risk. Not the car. The driver should have the third party personal insurance. Not the car.

**V8VAN** · 21-03-2014, 08:28 AM

I had my HB on historic rego and have my LJ currently on it. Rego per year is around the $50 mark, and comprehensive insurance per year is around $80. Big savings to be had if you're willing to follow the rules.

As for the club side of things, it varies club to club due to the self regulation. It's entirely up to the club how they work their CRS, minimum attendance to meetings/runs, modifications, maintenance runs, roadworthy checks etc. Of course, people will try and take advantage of this.

The club I'm a member of is pretty good. We work on a points system where you accrue points through the year for attending club meetings and runs. 50 points is the minimum to stay on CRS, though they are flexible (within reason) if you can't get there. It's suprisingly easy to get to the required points too.

Minor mods are generally allowed, but nothing to extreme.

I know all clubs are different, but (at least in my club) the politics side of it is completely optional, as it should be IMO. I've been on the committee of my club, but if I wanted too I could ignore that side of it.

For me, the best part of it is the social aspect. A bunch of like-minded people together for our shared interest, be it on a run (the overnighters go alright, the pub loves our money lol) or just helping out a mate or whatever. The CRS is just a bonus.

EDIT: wbute, your WB would most likely get through here too. And I agree 100% it should be the driver who's covered by the green slip, not the car.

**Robbo** · 21-03-2014, 10:45 AM

When we moved to QLD ten year's ago I ran the rego on my car till within a couple of week's of expiry. I then took it to a workshop my nephew used, and it went through with no drama's. We have used the same workshop ever since, I have been advised that the power's that be will probably be introducing annual inspection's in the future.
Anytime I have been breath tested here, the officer has walked around the vehicle for a visual inspection.

Cheers.

**Dr Terry** · 21-03-2014, 11:20 AM

Originally Posted by wbute

The more I think about the risk thing the stupider it seems. So you take the Sandman out for a drive once a month it's hardly a risk. Right I get that. You take the Hilux to work every working day it's a higher risk. I get that. Explain this to me. Isn't the same person driving both cars? They were on the road driving them 100% of the time?
The DRIVER is the risk. Not the car. The driver should have the third party personal insurance. Not the car.

I agree with that 100%, but you'll never see it happen, the insurance companies will get less revenue as premium payments.

Basically the insurance game is a big con, especially CTP.

Think about this for a moment:

In the 60s & 70s we had the worst road toll numbers (per capita) in the world. In NSW we regularly saw well over 1100-1200 road deaths every year. Injury numbers were also horrific. The average everyday car in those days, was crap, no seatbelts, lousy brakes & no real safety features to speak of. The roads were fewer & were also crap. Yet the CTP component of rego was so small it wasn't even noticed.

Now look ! The cars are infinitely safer & superior in many ways. The roads, especially inter-capital freeways, are light-years ahead of what we had back then. The road toll has now reduced considerably, it's some thing like 300 nowadays, even though the number of cars & drivers has increased by a huge number in that same timeframe.

So the big question is why are the CTP premiums so high ? They only cover personal injuries, which as I've pointed out have reduced somewhat. CTP is now so high, they offer 3 & 6 month regos. I know of many people who take out loans just to cover their yearly rego hit.

Dr Terry

**davegmh** · 21-03-2014, 11:53 AM

Originally Posted by wbute

The more I think about the risk thing the stupider it seems. So you take the Sandman out for a drive once a month it's hardly a risk. Right I get that. You take the Hilux to work every working day it's a higher risk. I get that. Explain this to me. Isn't the same person driving both cars? They were on the road driving them 100% of the time?
The DRIVER is the risk. Not the car. The driver should have the third party personal insurance. Not the car.

I agree with your theory WB, but can I put this senario to you. Let's say you are an insurance company and I come to you to insure a 2002 basic commodore worth $5000 with me as the only driver and you quote me X. Then I ask for a quote to insure a new BMW worth $70,000. Will the X still be the same with me as the only driver as well ?

**Dr Terry** · 21-03-2014, 12:41 PM

Originally Posted by davegmh

I agree with your theory WB, but can I put this senario to you. Let's say you are an insurance company and I come to you to insure a 2002 basic commodore worth $5000 with me as the only driver and you quote me X. Then I ask for a quote to insure a new BMW worth $70,000. Will the X still be the same with me as the only driver as well ?

We are not talking about comprehensive car insurance, we a referring to CTP insurance which covers personal injuries to anybody injured in an accident which is deemed your fault. This is unrelated to the car's value because it's not any part of the claim.

Also it should be related to a driver's accident record, the bad drivers should have to pay more than someone who hasn't ever caused an injury in 30-40 years of driving, but that's not the case.

Dr Terry