Adolf's car insurance and registration is due for renewal next month.
In conversation with the insurer, Adolf discovered that what is described by the SA Motor Vehicle Commission as 'Compulsory Third Party Insurance' on the payment schedule for registration is nothing of the sort. It is personal injury cover only for people hurt in an accident where the insured person was at fault. (Covered in NZ by ACC.)
The Western Australian CTP cover carries the same provisions. Personal injury only.
There is NO COVER FOR REPAIRS TO A THIRD PARTY'S DAMAGED VEHICLE.
I understand from my insurer that that many people don't realise this important distinction and are driving about the place uninsureed, blithely thinking they have genuine third party insurance when they have nothing of the sort..
So next time you hear someone going crook about the lack of compulsory third party insurance in New Zealand and lauding the wisdom of Australian states for providing this service, just remember that old song
"It Ain't Necessarily So"
If a business advertised a service using such misleading descriptions it would be prosecuted and it's directors jailed.
For God's sake why can't these people call it what it is?
'Compulsory Third Party Personal Injury Insurance.'
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