Completely agree with the concept Chef, you can after all only be in charge of one vehicle at a time. Not to sound defeatest but I think this has buckleys of changing for the very reason that it's not just insurers that stand to lose but the Life time care and Support scheme also. This is a very large cash cow, over 1 Billion, yes 1 Billion in the coffers so far but only around $98Mil paid out over the year in support. The interest earnt on the bank account was $110Million alone. The money can be 're-used' for other health related activities or applied for via a grant scheme. I can't see them letting go of this and it will only grow bigger. Surprised that no one has really jumped up and down about it. It's in the annual reports of the LTCS scheme, available online. You pay about 35-40% per year on top of your CTP for this. It was advertised as $20/year extra when they were introducing it....

http://www.lifetimecare.nsw.gov.au/Annual_Reports.aspx