ACC cost balancing
ACC sets levies according to the government, not actuary tables.
ACC should set a $20 per day levy on car rentals to those without an NZ license.
Also, ACC should look at traffic costs, not just crash costs.
Note, helmets are required. The studies I've seen show that unhelmeted motorcycle riders cost less (they don't need medical care if they crash, they need a coroner). So a helmet law isn't about cost savings, but about protecting people from themselves.
Why can't we expand this to other areas. Rather than the ACC drop on cars in July, with an ACC increase on motorbikes (done a few years ago) that will result in worse traffic as motorbikes are comparitively more expensive, leading to worse traffic, which causes more crahses;
Wouldn't it make sense (if ACC is optimized for cost) to optimize ACC for the lowest total costs, rather than appropraiteing cost as practical in a manner that increases total cost?
I submit that if ACC dropped all levies on motorbikes, and replaced the lost revenue with an increase on other vehicles (like cars), that the net result would be lower costs for ACC, as more motorbikes would be used in places that reduce the total traffic load, and results in a lower crash rate for everyone.