anytime we have  rights taken from us it costs us money . many years ago we had the option of private accident insurance . this was set up at cost to the insurance company and was good for all , premiums were low and payouts came without hassle , all was well . within two years it was taken from us .the insurance companies wore the set up cost…being self employed , this ment a hike in premiums and no accidents insurance  in quiet times . we were paying more and getting less…… ten years later i turn the tv on and i am told that we will be paying more and getting less again . with this in mind , in ten years time will we be paying it all and getting nothing ?….i do think it is time we looked at ACC  and made changes to it .. 

i think it time we got value for money rather than heavily taxed  for a poorly run system…….

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