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Originally Posted by
POLARBEAR666
As far as bike are concerned I am tired of carrying them by paying more for my third party insurance than I should. If each bike owner paid their share compared to the cost they cause they would be paying $15,000 a year or something compared to $400.
Actually I don't think they would. Many years ago in the ACT they introduced a "user-pays" principle for 3rd party personal insurance (ie based on actual claim and blame experiences). The end result was 3rd party bike premiums dropped by over 50%, which makes sense if you think about it a bit :
The vast majority of bikes don't have a passenger on board.
If the rider has a single vehicle accident then he is the only one injured so no 3rd party claim on the bike's insurance.
If it is a bike/car crash then it is the car driver's fault way more often then the bike rider's fault ( I used to ride, and trust me, I tried very hard not to run into cars - it hurts). So often you hear "But I didn't see him" (translation -"I am a bad driver and I wasn't looking"). Again, no 3rd party claim on the bike's insurance.
So the only time there is a 3rd party claim on the bike's insurance is when the bike rider is at fault and he injures either a pillion passenger or someone in another vehicle. This does happen, but not very often compared with the other scenarios.
I'm not saying that there aren't some bike riders out there who are just an accident waiting to happen
, and that our taxes don't go towards attempting to save their lives and fix them up after they crash (thanks medicare), but if you look objectively at an "at-fault" system like 3rd party personal injury insurance then you can't justify a huge increase in premiums for motorcyclists.
2017 MY18 Golf R 7.5 Wolfsburg wagon (boring white) delivered 21 Sep 2017, 2008 Octavia vRS wagon 2.0 TFSI 6M (bright yellow), 2006 T5 Transporter van 2.5 TDI 6M (gone but not forgotten).
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