Legally speaking, compulsory third-party car insurance is not mandatory under New Zealand law for private motorists driving on public roads (unlike countries where liability insurance is strictly required prior to registration). However, every vehicle must maintain an active, up-to-date vehicle licensing registration (rego) and warrant of fitness (WoF); moreover, driving uninsured exposes motorists to catastrophic financial liability if they cause an accident, as they remain personally sued for thousands of dollars in property damages.
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