We are still charities if we never make a claim. My charitable contributions at the end of my motoring life if I never make a claim, will be approximately $35,000, adjusted for inflation.
At that time, the intangible promise by the company to pay for medical treatment for bad unsafe drivers, extinguishes. I will lose every cent of that tangible $35,000. It is tangible, isn't it, or is it in my imagination.
I will be expected to cop that on the chin, its the worst deal ever, if I never make a claim.
If CTP were to remain compulsory, then at least give us all the chance to negotiate our own premium. A form could be filled out ... "Have ever completed an advanced driving course?" "Have you ever made a claim against a CTP provider?" "Do you live in a densely populated area?" "Have you ever been involved in a vehicle crash on public roads?" "How often do you drive after sunset?" "How many demerit points have you acquired in the last five years?"
"In your own words, tell us more about why you think you deserve a cheaper Greenslip?"
Something like this needs to be done for a fair go for motorists. Our money is tangible, a stand-alone promise to pay is not, it's only a promise to pay bad drivers, and the rest of us (safe drivers) who never make a claim, are asked to provide the funds, never to see our money again. Forced charity.