Give your feedback > Increasing motorcycle owners’ contribution to the costs of injuries

ACC and the Minister - Open for feedback until 9 Oct 2024

Increasing motorcycle owners’ contribution to the costs of injuries

Increasing the level of contribution towards the costs of motorcycles injuries from 28% to 33%.

Agree

925

Disagree

667

Responses

ACC proposes to increase motorcycle levies to ensure that motorcycle owners contribute more to the cost of single-vehicle crashes, that occur on a public road, where the rider’s actions have contributed to the crash.

Currently, owners of other types of vehicles pay for about 72% of the costs of injuries to motorcyclists that happen on public roads. Levies from motorcycle owners cover the remaining 28% of the cost of injuries to riders and their pillions. Motorcycles are the only class of vehicle that pays less than 100% of their associated costs.

	Status quo
Levy contribution required from motorcyclists to cover their injuries	$439.3m
Amount collected from motorcyclists	$123.5m
Amount funded from other vehicle levies	$315.8m
Percentage of contribution from motorcycles	28%
Average subsidy per vehicle	$24.87

Motorcycle crashes need some subsidisation so that levies don’t become unaffordable. But the 2021 levy consultation raised concern over the degree of subsidisation of motorcycle injury costs.

Using the Crash Analysis System data held by NZ Police and NZTA Waka Kotahi, ACC has found that 37% of ACC claims for rider and pillion passenger injuries come from crashes on public roads where:

only a single motorcycle was involved.
and where Police assessed that the rider’s actions contributed, at least in part, to the crash.

A proposed levy increase of 33%

ACC proposes raising motorcycle levies so that motorcycle owners fund the cost of single-vehicle crashes where the rider’s actions have contributed to the crash. This would be fairer for owners of other vehicles who subsidise the bulk of injury costs related to motorcycle accidents.

The proposal seeks to increase the level of contribution towards the costs of motorcycle injuries from motorcycle owners to 37%. The proposal would increase the levy paid by owners of motorcycles and mopeds by 33%.

Distribution of costs for proposed increased in contribution of motorcycle owners to costs.

	ACC proposed change to cross-subsidisation
Levy contribution required from motorcyclists to cover their injuries	$440.3m
Amount collected from motorcyclists	$162.9m
Amount funded from other vehicle levies	$277.4m
Percentage of contribution from motorcycles	37%
Average subsidy per vehicle	$21.84

The cumulative impact of the proposals.

If ACC’s and the Minister’s proposals are adopted, then the impacts on levy rates can be seen in the tables below. The tables show the impact of the proposed change in aggregate levy rates first followed by the impact of proposed changes that occur in the year. The final levy rates will depend on the range of proposals that are approved by the Government.

Proposed 2025/26 levies for mopeds and motorcycles

Motorcycle type/capacity	Current (2024/25) levy rate	Impact of the proposed Motor Vehicle Account 2025/26 aggregate levy increase	Impact of the proposed changes to engine capacity groups	Impact from proposed decrease of cross-subsidisation	Impact of recognition of advanced rider training (ART)	Proposed 2025/26 levy rate
Mopeds	$99.33	+$7.76	-$40.41	+$25.19	+$0.00	$91.53
0-250cc	$297.91	+$23.26	-$76.69	+$81.28	+$0.00	$325.76
251-600cc	$297.91	+$23.26	+$22.11	+$112.38	+$0.00	$455.67
601-750cc	$397.18	+$31.01	-$84.91	+$112.38	+$0.00	$455.67
751cc+	$397.18	+$31.01	+$57.79	+$157.31	+$0.00	$643.29

Proposed 2026/27 levies for mopeds and motorcycles

Motorcycle type/capacity	Proposed 2025/26 levy rate	Impact of the proposed Motor Vehicle Account 2026/27 aggregate levy increase	Impact of the proposed changes to engine capacity groups	Impact from proposed decrease of cross-subsidisation	Impact of recognition of advanced rider training (ART)	Proposed 2026/27 levy rate
Mopeds	$91.53	+$7.57	+$0.00	+$0.00	+$0.00	$99.10
0-250cc	$325.76	+$23.86	+$0.00	+$0.00	+$1.49	$351.11
0-250cc with Advanced Rider Training	$325.76	+$23.86	+$0.00	+$0.00	-$89.64	$259.98
251-600cc	$455.67	+$32.90	+$0.00	+$0.00	+$8.83	$497.40
601-750cc	$455.67	+$32.90	+$0.00	+$0.00	+$8.83	$497.40
251-750cc with Advanced Rider Training	$455.67	+$32.90	+$0.00	+$0.00	-$118.88	$369.69
751cc+	$643.29	+$45.96	+$0.00	+$0.00	+$13.06	$702.31
751cc+ with Advanced Rider Training	$643.29	+$45.96	+$0.00	+$0.00	-$165.88	$523.37

Proposed 2027/28 levies for mopeds and motorcycles

Motorcycle type/capacity	Proposed 2026/27 levy rate (without discount)	Impact of the proposed Motor Vehicle Account 2027/28 aggregate levy increase	Impact of the proposed changes to engine capacity groups	Impact from proposed decrease of cross-subsidisation	Impact of recognition of advanced rider training (ART)	Proposed 2027/28 levy rate
Mopeds	$99.10	+$7.95	+$0.00	+$0.00	+$0.00	+$107.05
0-250cc	$351.11	+$23.85	+$0.00	+$0.00	+$1.73	+$376.69
0-250cc with Advanced Rider Training	$351.11	+$23.85	+$0.00	+$0.00	-$95.76	+$279.20
251-600cc	$497.40	+$26.15	+$0.00	+$0.00	+$9.33	+$532.89
601-750cc	$497.40	+$26.15	+$0.00	+$0.00	+$9.33	+$532.89
251-750cc with Advanced Rider Training	$497.40	+$26.15	+$0.00	+$0.00	-$127.21	+$396.34
751cc+	$702.31	+$35.86	+$0.00	+$0.00	+$14.42	+$752.58
751cc+ with Advanced Rider Training	$702.31	+$35.86	+$0.00	+$0.00	-$177.05	+$561.11

11 Sep 2024

ACC and the Minister - Open for feedback

9 Oct 2024

Consultation closes

Oct 2024

Recommendations to the Minister

Dec 2024

Final decisions by Government

Agree

10%

Disagree

90%

10%

Agree

10%

Disagree

90%

to re state again - Motorcyclist is not the problem it's viable solution for the environmental crisis the world is facing, a solution to road congestion we face in NZ . Train riders to be better - encourage behaviour through incentives focus your energy and funds on how to have less claims in general and spend our money better.

Rego should be approx $150 for the rider, not the bike(s).. you can only ride or crash one at a time.
Rego should then be on a risk assessed sliding scale, assessed after the gold course.
Pay the most if you score 1 out of 10, the lease for 10 out of 10.
Wearing protection should also come into the equation as well as maturity & attitude.
No course attendance, charge them the most.
If bike rego goes up, it just encourages riders to put the bikes on hold because 2 bikes costs the same as 12 cars.
Bikers are generally safer & more observant & better vehicle operators because they have to be.
Put mobile phone use fines up in cars to $1,000 to get revenue; we see it many times, every ride,... drivers not looking, never even seeing you whilst having a sneaky text session.

Along side discounts for rider training, it would be worth discounting for those who can demonstrate use of gear at or above a minimum standard. Perhaps even those with clean 5 year record in terms of speeding etc.

I can't understand why Tourists in NZ do not have to have COMPULSORY Travel INSURANCE. If we travel that's what we do as $10,000 / day bills in a US hospital are not attractive. Why should the NZ taxpayer pay for tourists accidents...leading to the shortfall ACC has...which then targets the wrong sector - tax paying and rego paying NZ citizens wanting to ease their commute or enjoy the outdoors !?

Unfortunately it seems ACC is taking the easy approach and targeting the low hanging fruit. As many others have commented here 70% of motorcycle accidents are at fault of the other party.
Motorcycle riding needs to be encouraged to reduce congestion and emissions.
Who is factoring in the ACC costs incurred by the gangs riding dirt bikes on public roads with no care in the world, when they crash and injure themselves.

I fear increasing rego charges for large cc bikes will lead to more unrego'd bikes getting around, or riders only registering for a couple of months - both detremential to what you're trying to achieve.

No, it's unfair on a no blame system. There are other road users, like cyclists that are even more vulnerable in an accident don’t pay a levy at all. These claims are paid out of a general fund. Just like it is with MX riders, MTB riders and horse riders to name a few. What i’m getting at is these are all more or less (with exceptions) HOBBIES that people do for enjoyment and probably considered high risk of injury ones at that. For many, motorcycling is also a HOBBY and it is done for the enjoyment not a solely a form of transport. This is something done for fun and yet we are targeted for levies at least twice for, or exponentially more times if we have more than one motorcycle.

Make Ride Forever course for every rider maybe ACC will have less claims as your numbers show. It's a mind set of some riders that causes Accidents not the motorbikes. W O F good tyres brakes good gear what else is needed. A brain trained to ride.

It’s not fair for biker to be paying for accidents that happen off road eg quad bikes and dirt bikes or unregistered bikes and people not wearing the correct gear .if your injuries could have been avoided by wearing the correct gear then acc should not pay out .

Change needs to be made to owners with multiple bikes. I personally own 3 motorcycles and have it wof and registered all year. In addition to a vehicle which is the main transport.

The cost incurred is very significant, for owners of multiple motorcycles that want to have it legally registered. The contribution is not in line with use.

Why are you holding $12M of Motorcycle Levy funds and earning interest on them?

Try performing. New CE and Executive required. Same people that failed to run Covid Quarantine hotels.......

What percentage of injuries are attributed by cyclists? who are not required to wear any other protection than a helmet, nor required to have mirrors. Or stolen motorbikes ridden by unlicensed persons, riding around in packs, reaping havoc on the roads. Or the state of our roads, not fit for motorcycling purposes. We contribute the least amount damage to our roading and or traffic congestion, but are expected to pay the highest fees.

There is some flawed logic on display here:

1) "Using the Crash Analysis System data held by NZ Police and NZTA Waka Kotahi, ACC has found that 37% of ACC claims for rider and pillion passenger injuries come from crashes on public roads where:
only a single motorcycle was involved.
and where Police assessed that the rider’s actions contributed, at least in part, to the crash."
This means that a massive 63% of all motorcycle crashes are caused by other road users, and motorcyclists already contribute more than this share of the costs.

2) The figures provided in the discussion document do not mention ACC levies contributed by non-road-going motorcyclists, by far the largest group of which are farmers. What is the value of the ACC levies paid by this group, and what proportion of this levy is applied to the ACC vehicle fund as a contribution.

3) The existing levy system fails to recognise that many motorcyclists, myself included, own multiple bikes. My vehicle insurer recognises that I can only ride one motorcycle at a time and accordingly sets a nominal premium for additional motorcycles. It is high time ACC also recognised the iniquity of levying multiple premiums for a single risk.

More motorbikes means less traffic congestion make it easier for people to get motorcycles. You putting the fees up is just daylight robberie

Ride a mountain bike into a tree, dive into shallow water, get your spine crushed in a scrum, jump a ditch and fall off your horse, or fall off your bicycle on the road? No problem, no fee. Ride a motorbike on the road, and GET HIT BY A CAR and you pay - not the car driver. Why are we punishing motorcyclists? You've got this all wrong. User pays? Ok then. Register bicycles and escooters too. And while you are at - stop making the victim pay - the perpetrator should pay.

As above

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