I hear a lot of riders complain about paying multiple regos. And almost right after that is the popular idea that you can only ride one bike or drive one vehicle at a time, so why not levy the TAC premium on a license? Sounds reasonable. I am going to declare my hand up front. It's not a good idea - at least as far as I can logic it out. So happy to hear from the wider rider community. One TAC premium per license is a popular idea that makes sense to riders who usually have another registered vehicle and a good portion who have at least another motorcycle (I have four regos in my fleet so I understand the appeal of this idea). But it's truly a case of "careful what you wish for" and every time I think this through, one premium per license comes up as a probably a short sighted and bad idea. Let's break this down. 1./ The majority of licensed Victorians own one registered vehicle. 2./ There are fewer licences than registered vehicles. 3./ The TAC will want the same revenue from the road going community to run the CTP system, in other words, the size of the TAC $ pie has to remain the same. When you put that all together, what does it mean? If the size of the pie doesn't change and it is spread over fewer licenses, then the premium levied per license can only do one thing - it must go up. It can't do anything else. So this means that the majority of Victorians (who only have one vehicle) will see their TAC premium rise on a one license one premium basis. They will probably also see that this was driven by motorcyclists who complained about multiple regos... which is going to have some major downsides for motorcycle community relations. It will also probably be political suicide for the party that pushed this through - which suggests it will never happen. Leaving the bike and political negatives aside, the other main negative will be that the most disadvantaged in our community will struggle to pay this increased premium, leading to either more unlicensed / unregistered people on the roads which benefits no one, and/or a higher cross subsidising rating on the premium levied to some, possibly linked to income levels, in order to keep premiums affordable for the disadvantaged in our community. So how's this idea working for you so far? The other thing about this idea is that such a fundamental change to the premium structure would give the TAC a chance to levy a premium based on a risk rating on your license, based on demerit point history, traffic conviction history, address location, number and types of vehicles owned, age, sex etcetera... leading to very complex system with TAC prying heavily into our private lives to work out a premium to levy against a license. The punch line in all this is that those of us complaining about multiple regos are the ones most likely who can afford it and that means that when TAC weighs up what premium to levy our license, it's very likely that the overall net effect will be literally no change in the overall premium paid at all. That hasn't worked out as expected at all has it? So the bottom line of such a change to the CTP system will be that it is no longer a relatively evenly spread (huge simplification for the sake of argument) charge levied across all registered vehicles but lumpily spread across licenses, demographics and income levels/bank balances. Like I said, be careful what you wish for. Discuss.