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Okay, a damn fine bit of rort. [Rego rant]

By 29 March 2012 56

This is my first post here, and I figure that others will have already perhaps commented on this, but today I (yep) paid the rego on my wife’s car, and the only thing I could think was that “Someone’s making money for nothing!”

My wife drives a little Barina Spark (1.2L engine) ironically in pink, which was NOT my choice of course. And we got the rego papers originally in Business Registration at $880 or so for 12 months. I took them into Canberra Connect to change that value down, to a personal registration, figuring it will drop substantially from a business one. Not to mention this car is ‘tiny’ by comparison to my own SUV/AWD type.

Now, don’t get me wrong – I expected to pay a bit for it, like everything in this damn town, but when they turned around and said $772.00 for 12 months for a personal registration for a vehicle 975Kg Tare or less, I was utterly speechless. I actually said that is completely wrong, and please recheck – then another of the Canberra Connect staff came and said they had a Nissan Micra 3 door (or somesuch) and that’s what they paid also, so it was correct.

Um, Sorry??? WTF is wrong with this scenario??? I look at the amount for the rego, and the breakdown was: $227.50 for Registration Fee, $526.60 for CTPI Premium (through NRMA of course.) Then the usual other charges totalling $18.00 all up.

Like HUH??? This is pathetic, seriously considering that we pay a smidge more per year for Comprehensive Insurance that. Monthly, we pay: $64 or so, and not through the cheapest (ALLIANZ) either.

Can anyone say RIP OFF? Last year, we got rid of our Toyota Camry (V6) because it was about $780 per year, plus the fuel costs… This is a massive rort, as the Spark is a matchbox. Even more funny was the price book that shows ‘UP TO’ 975kg Tare comes in at this rate. Meaning if you have a smaller matchbox (LOL) it’s still the same price.

So bad it’s funny. Would be keen to know what others are paying, I am sure I could practically halve that if I was in NSW…

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56 Responses to Okay, a damn fine bit of rort. [Rego rant]
#1
G.R.R6:35 pm, 29 Mar 12

Just got my rego, 5 door hatch Focus, $830. I swear it’s a jump of around $100+ from last year!

As a comparison, same model car was registered in Vic at $680.

#2
cranky7:02 pm, 29 Mar 12

An even bigger rip-off is the weight related breaks in the system.

Where my 1565Kg Commodore wagon is charged at the same rate as my 2.5t truck, and a mates 2.6t 4wd. Apparently the cutoff is about 1520kg.

For the privilege of paying $1326 pa.

All business regos – again, deliberately inflated as they can pass the cost onto the Federales, being ‘tax deductable’ for business use.

#3
gasman7:11 pm, 29 Mar 12

I work in the emergency operating theatres of a major Canberra Hospital. While I have not done a formal survey, a substantial number of the serious injuries that come through our doors are related to car accidents, and a large percentage of those are third party (meaning a car driver injured another person).

You can see in the breakdown of the rego fees that Third Party Insurance makes up the bulk of it. That money is used to pay for the medical care of those that are injured as a result of cars. Do you think an operation to fix multiple broken bones, a closed head/brain injury and a ruptured liver followed by a 2 week stay in Intensive Care is cheap?

While I can’t comment of the relative costs for rego on a 900kg car vs a 2tonne truck/4WD, suffice to say that these funds are being used in a very real sense in hospitals and rehabilitation units around the country.

#4
dungfungus7:15 pm, 29 Mar 12

cranky said :

An even bigger rip-off is the weight related breaks in the system.

Where my 1565Kg Commodore wagon is charged at the same rate as my 2.5t truck, and a mates 2.6t 4wd. Apparently the cutoff is about 1520kg.

For the privilege of paying $1326 pa.

All business regos – again, deliberately inflated as they can pass the cost onto the Federales, being ‘tax deductable’ for business use.

And as a Commodore Wagon is not classed as a “goods carrying vehicle”, you still are not allowed to use a loading zone. You are correct; it is a rip-off.

#5
screaming banshee8:02 pm, 29 Mar 12

Exactly why my ute is registered in QLD saving me around 5-600 a year.

#6
2620watcher8:52 pm, 29 Mar 12

Swings and roundabouts. My electricity is twice the price of yours. My Hilux rego is half the price of yours.

I know which I would rather!

#7
KB19718:53 pm, 29 Mar 12

gasman said :

I work in the emergency operating theatres of a major Canberra Hospital. While I have not done a formal survey, a substantial number of the serious injuries that come through our doors are related to car accidents, and a large percentage of those are third party (meaning a car driver injured another person).

You can see in the breakdown of the rego fees that Third Party Insurance makes up the bulk of it. That money is used to pay for the medical care of those that are injured as a result of cars. Do you think an operation to fix multiple broken bones, a closed head/brain injury and a ruptured liver followed by a 2 week stay in Intensive Care is cheap?

While I can’t comment of the relative costs for rego on a 900kg car vs a 2tonne truck/4WD, suffice to say that these funds are being used in a very real sense in hospitals and rehabilitation units around the country.

While all this is true, you dont thing the fact that the TPI prices might be inflated because the NRMA are the only provider in the ACT?

#8
Eppo10:11 pm, 29 Mar 12

If you’re upset by this, try registering a motorcycle and see how ‘unfair’ it seems.

Anything above 250cc (I think??) and you’re paying very close to that $700 figure.

#9
Aeek10:37 pm, 29 Mar 12

screaming banshee said :

Exactly why my ute is registered in QLD saving me around 5-600 a year.

I look forward to the cameras cracking down on this rort. You are eroding the revenue base and driving up the costs for everyone who registers legally.

#10
m00nee10:50 pm, 29 Mar 12

It is quite interesting when you look into it. Across the eastern state the same car would cost me:
State – CTP – Total
VIC – $317 – $540
NSW – $331 – $790
QLD – $313 – $808
ACT – $526 – $1187
So I save $400 just by having an address in NSW.

#11
dtc11:00 pm, 29 Mar 12

I have written before about why CTP is more expensive in the ACT, so wont bother writing it again, just look for my comments. But the fact that you have a little buzz box makes very little difference as to whether that buzz box can hurt or injury or kill someone in comparison to a larger car. Indeed, for every 4WD you hit and dont injure the other person because you have a small car, there is a small car occupant who is injured because they are in a small car and not in a larger car. So it all evens out. Small cars do not result in less claims or cause less injury (actually, small cars are disproportionately involved in accidents, but that is mostly because young drivers often drive small cars).

If you want to argue that CTP should not be the same for everyone but based on statistics, such as comprehensive insurance (ie young drivers pay more), then that could be an argument.

Now if you are arguing about the rego cost itself, that is a different issue. You can certainly argue that smaller cars should have cheaper rego – although the counter argument is that larger cars pay their tax via petrol tax anyway.

Or you could argue that rego should be free and petrol more highly taxed. Which means you can own a car for when you need it (second car etc, using public transport usually) without it really costing you that much

#12
EvanJames11:03 pm, 29 Mar 12

Why is Third Party less expensive in NSW than the ACT if not for the NRMA monopoly? It is ridiculous, and as usual the government for the people, isn’t really for the people at all. Drivers of tiny little cars should be rewarded for using less resources, space and less damage to the roads.

#13
c_c11:24 pm, 29 Mar 12

Doesn’t really contribute anything to the topic, but it’s amusing none the less to compare.

CTP for a passenger car is $526
For an undertaker’s vehicle it’s $364
For a Police vehicle, it’s $1280
and for a taxi: $8500!

http://www.nrma.com.au/car-insurance/third-party-act/current-rates.shtml

Decided to compare the passenger car above with a NSW CTP from NRMA, here’s the quotes.

For a 28yr old driver with no at-fault accidents in past 2 years and existing comprehensive insurance with 65% no claim discount: $638

For a 17yr old driver with at-fault accidents in the past 2 years and never insured: $770

(Interestingly the quotes for NSW were the same for both a 2011 1.0L Hyundai Getz and a 2011 Rolls Royce Phantom 6.8L)

#14
troll-sniffer11:50 pm, 29 Mar 12

Oh yeah the old ACT TPI rip-off chestnut pops up again eh?

Fact: Canberra incomes are on average quite a bit higher than the other states.
Fact: NRMA is the only provider because it was the only company willing to offer TPI in the ACT last time the gubmnt went through the process of awarding the rights etc

Conjecture based on observed cases: The TPI system is regularly rorted by quite a substantial number of claimants aided and abetted by a cronyist legal profession, and ACT awards for even minor injuries or claimed injuries are often high

Fact: My father’s car is the same make model as mine, older but substantially the same, the difference in rego between ACT and NSW where he lives is about $20.

Undeniable but sad fact: NZ, which doesn’t have a TPI industry with its attendant scum sucking lawyers etc, charges the princely sum of $287 per year for licensing ($430 when first registered, then the lower figure on a continuing rego basis).

Fact: Rego is expensive, having a whinge about it won’t change a thing, you need to suck it up or give up the car and walk, ride or bus, princess.

#15
PoQ8:25 am, 30 Mar 12

troll-sniffer said :

Oh yeah the old ACT TPI rip-off chestnut pops up again eh?

Fact: Canberra incomes are on average quite a bit higher than the other states.
Fact: NRMA is the only provider because it was the only company willing to offer TPI in the ACT last time the gubmnt went through the process of awarding the rights etc.

That you raise the fact that Canberra incomes are higher merely proves your antagonist’s point. The income of the claimant is not relevant to the risk of an accident.

The ACT system is the worst of all worlds. You could have the Victorian system, with the TAC dealing with all TPI claims; or you could have the NSW system, where any insurance company can offer TPI. TPI is more expensive in ACT as the NRMA has a monopoly.

Perhaps I left my tin-foil hat at home, but I reckon its no accident that Kate Carnell ended up on the NRMA board.

#16
Mysteryman9:20 am, 30 Mar 12

PoQ said :

troll-sniffer said :

Oh yeah the old ACT TPI rip-off chestnut pops up again eh?

Fact: Canberra incomes are on average quite a bit higher than the other states.
Fact: NRMA is the only provider because it was the only company willing to offer TPI in the ACT last time the gubmnt went through the process of awarding the rights etc.

That you raise the fact that Canberra incomes are higher merely proves your antagonist’s point. The income of the claimant is not relevant to the risk of an accident.

The ACT system is the worst of all worlds. You could have the Victorian system, with the TAC dealing with all TPI claims; or you could have the NSW system, where any insurance company can offer TPI. TPI is more expensive in ACT as the NRMA has a monopoly.

+1. Average income has nothing to do with the issue.

#17
NoAddedMSG9:23 am, 30 Mar 12

troll-sniffer said :

Undeniable but sad fact: NZ, which doesn’t have a TPI industry with its attendant scum sucking lawyers etc, charges the princely sum of $287 per year for licensing ($430 when first registered, then the lower figure on a continuing rego basis).

That’s because of the government-run Accident Compensation Corporation picks up the tab for medical bills for all accidents (and that is all accidents, not just car related ones), but it is funded by direct taxes on wages. So it’s still paid for one way or another. On the other hand, the lawyers don’t get involved and you are not allowed to sue people who injure you, so there is probably a saving there.

#18
Jim Jones9:42 am, 30 Mar 12

Mysteryman said :

PoQ said :

troll-sniffer said :

Oh yeah the old ACT TPI rip-off chestnut pops up again eh?

Fact: Canberra incomes are on average quite a bit higher than the other states.
Fact: NRMA is the only provider because it was the only company willing to offer TPI in the ACT last time the gubmnt went through the process of awarding the rights etc.

That you raise the fact that Canberra incomes are higher merely proves your antagonist’s point. The income of the claimant is not relevant to the risk of an accident.

The ACT system is the worst of all worlds. You could have the Victorian system, with the TAC dealing with all TPI claims; or you could have the NSW system, where any insurance company can offer TPI. TPI is more expensive in ACT as the NRMA has a monopoly.

+1. Average income has nothing to do with the issue.

What about the rest of Troll-sniffer’s post?

#19
Greta9:44 am, 30 Mar 12

Not only do we have to pay the rego fee in March (approx $850) but also the NRMA car insurance (another $900) and all the ACTEW bills (electricity, water, gas). I have no idea how people on a small income cope.

#20
p110:14 am, 30 Mar 12

Eppo said :

If you’re upset by this, try registering a motorcycle and see how ‘unfair’ it seems.

Anything above 250cc (I think??) and you’re paying very close to that $700 figure.

As at 16 Aug 2011

Engine size up to 300cc = $228.20
301cc to 600cc = $626.30
Engine size over 600cc = $626.30

I think it is a rip too, especially the middle cat.

#21
djk10:23 am, 30 Mar 12

dungfungus said :

cranky said :

An even bigger rip-off is the weight related breaks in the system.

Where my 1565Kg Commodore wagon is charged at the same rate as my 2.5t truck, and a mates 2.6t 4wd. Apparently the cutoff is about 1520kg.

For the privilege of paying $1326 pa.

All business regos – again, deliberately inflated as they can pass the cost onto the Federales, being ‘tax deductable’ for business use.

And as a Commodore Wagon is not classed as a “goods carrying vehicle”, you still are not allowed to use a loading zone. You are correct; it is a rip-off.

As Cranky said it was registered under a business, he is entitled to a free 10 minute loading zone pass for his Commodore Wagon.

From http://www.rego.act.gov.au/parking/parkinggoods.htm:

“A free 10-minute loading zone parking permit can be obtained for station wagons that are registered for business use. Contact Road User Services for more information.”

#22
EvanJames10:34 am, 30 Mar 12

troll-sniffer said :

Fact: Rego is expensive, having a whinge about it won’t change a thing, you need to suck it up or give up the car and walk, ride or bus, princess.

You were doing so well with your collection of derisory bogan cliches, but you forgot the one about hardening up with a spoonful of concrete. You could also have thrown in cry me a river, and something about a waaahbulance, and maybe something about would you like some X with your whine.

I sometimes get the distinct impression that some people just don’t quite “get” the idea of discussion forums.

#23
Jim Jones10:41 am, 30 Mar 12

EvanJames said :

troll-sniffer said :

Fact: Rego is expensive, having a whinge about it won’t change a thing, you need to suck it up or give up the car and walk, ride or bus, princess.

You were doing so well with your collection of derisory bogan cliches, but you forgot the one about hardening up with a spoonful of concrete. You could also have thrown in cry me a river, and something about a waaahbulance, and maybe something about would you like some X with your whine.

I sometimes get the distinct impression that some people just don’t quite “get” the idea of discussion forums.

That’s right.

The point of discussion forums is to whine about how unfair it is that things cost money, blame the gummint and call anyone who disagrees with you a bogan.

It’s like talkback radio for people with internet access.

#24
RaTTyRaTT10:53 am, 30 Mar 12

Mysteryman said :

PoQ said :

troll-sniffer said :

Oh yeah the old ACT TPI rip-off chestnut pops up again eh?

Fact: Canberra incomes are on average quite a bit higher than the other states.
Fact: NRMA is the only provider because it was the only company willing to offer TPI in the ACT last time the gubmnt went through the process of awarding the rights etc.

That you raise the fact that Canberra incomes are higher merely proves your antagonist’s point. The income of the claimant is not relevant to the risk of an accident.

The ACT system is the worst of all worlds. You could have the Victorian system, with the TAC dealing with all TPI claims; or you could have the NSW system, where any insurance company can offer TPI. TPI is more expensive in ACT as the NRMA has a monopoly.

+1. Average income has nothing to do with the issue.

Ironically, for those who can do math – Averages mean bugger all.. means 50% above the median income and 50% below the median income = median income. Yay. I’m rich… (not…) So in a town of 300k that means 150,000 people earn below the posted median income (100/120k I think) and 150,000 earn above that… (not discounting those who bludge, unemployed, kids, retiree’s, etc…) :-D Wish people would stop using words they don’t understand. Especially if they parrot any gubment numbers… With enough spin, i can make anything sound good.

#25
Innovation11:26 am, 30 Mar 12

Ok I’ll join in. Despite the potential for rorting doesn’t the ACT system provide uncapped cover? An extra hundred bucks or so would in hindisght seem pretty good to a quadriplegic or brain damaged victim whose payout might otherwise have been limited. I may not understand the system correctly but if I’m right, my gripe would be that our uncapped limit subsidises our regional neighbours at fault in ACT crashes and when we are at fault in other states.

screaming banshee @ #5 – If you are still living in the ACT though, if caught out in a prang you might be regarded as unregistered and uninsured. If you aren’t caught out then you are effectively sponging off us other legitimate ACT rego holders. Perhaps RAPID could be modified to check rego to electoral addresses etc.

2620watcher @ #6 I’m sure you would like this arrangement especially if you are hit by an ACT vehicle or have a prang in the ACT if you do a lot of your driving here.

Eppo @ #8 & p1 @ #20 – I agree that motorcycle rego and CTP is a joke especially for the middle class. Apart from pillions, who probably get messed up pretty bad in accidents, I doubt most motorcycles cause many third party injuries and nowhere near as many as cars. (I haven’t checked for a while but I think Qld had cheaper but still overpriced CTP for motorbikes that weren’t equipped to carry pillions). Also, I’m not advocating rego for petrol or electric bicycles but the disparity between small electric bikes without rego and small motorbikes is silly.

gasman @ #3 – You people do an amazing job. Any insights as to how many third party injuries are caused by motorcycles?

EvanJames @ #12 – Not all small vehicles are equally as effficient but I agree that drivers of efficient vehicles or who use their vehicles more efficiently (eg by driving them less) should be rewarded for using less resources. In Utopia we would have a national system that recognises this, but we should have a system that is based on distance travelled, power to weight etc. I for one would love a system that allowed me cheap rego to park at the nearest major bus stop and then bus everywhere.

troll-sniffer @ #14 – doesn’t NZ also have a national registration system too? Does this mean that NZ has one rule for all and they don’t have to pay the extra vehicle related rego costs associated with moving between regions?

On a slight tangent, I have another gripe about higher car insurance premiums based on where a person lives.I’m sure that it is based on statistical evidence of some sort, and insurance companies seem to have similar penalties, but I haven’t been able to get hold of details and it doesn’t seem to correlate with numbers of thefts/damage of vehicles owned by residents. It might be based on total vehicle damage/thefts at that postcode (including main roads, sports grounds, clubs and parkland) but that would have nothing to do with residents who live there.

#26
pete0911:59 am, 30 Mar 12

Congratulations. As a car driver you make a contribution towards the roads you use.

#27
jayskette12:12 pm, 30 Mar 12

Has any of you actually paid rego and CTP in Sydney as a under 25 yo? For light cars, it is MUCH more expensive then the fixed CTP/rego rates in Canberra.

#28
Sgt.Bungers12:19 pm, 30 Mar 12

No it’s not a rip off, in fact it’s not at all reflective of the cost of motor vehicles on society.

Assuming a very generous average of $1000 per registered vehicle, registration of passenger motor vehicles, motorcycles and utes including CPTI insurance raises around $15 billion per year.

Motor vehicle crashes costs alone cost Australia almost $18 billion per year (2006 figures).

On top of that, we have road maintenance costs, road building costs, (infrastructure), cost of land taken up by high capacity roads and car parks, environmental costs, tax consessions for car leasing/use.

Not to mention indirect costs associated with the private motor vehicle being the main form of transport for the majority of the country… high rate of heart disease, social costs, we’re officially the fattest nation on the planet, pollution costs…

One could argue that a person driving 5000 k’s per year should not have to pay as much as someone driving 100,000 k’s per year… but the idea of registration charges based on distance travelled meets fierce opposition at every turn.

#29
rhino12:29 pm, 30 Mar 12

pete09 said :

Congratulations. As a car driver you make a contribution towards the roads you use.

The thing is though, it just goes into the pool of money they spend on anything, along with all the GST money and fines and levies and fees and charges etc. They don’t strictly spend it on the roads. But I guess it is fair to have only the people using the roads contribute money towards them in theory. Although having 2 cars and paying twice as much doesn’t make as much sense in this regard. You can only be driving one of them at a time. So if you have 2 cars and drive 5kms to work every day or you have 1 car and drive 30kms to work every day it doesn’t make sense really that the 2 car guy pays twice as much. He can only drive one of them at a time.

#30
HenryBG12:36 pm, 30 Mar 12

jayskette said :

Has any of you actually paid rego and CTP in Sydney as a under 25 yo? For light cars, it is MUCH more expensive then the fixed CTP/rego rates in Canberra.

So you’re saying that we older drivers who have never had an accident in our lives let alone injuured anybody are subsidising the crash-prone youth here in the ACT?

How is that fair?

I understand that the $1100 per annum *I* pay every year in CTPI is essentially funding lawyer parasites and insurance cheats. Brilliant.

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