It seems New Zealand is one of very few countries where that is the case, and that's because you guys have a government scheme that provides equivalent coverage

It seems New Zealand is one of very few countries where that is the case, and that's because you guys have a government scheme that provides equivalent coverage for personal injury without being a form of insurance (ACC). As far as I understand, part of the registration fees you pay go to ACC. I would argue this is basically a mandatory insurance system with another name.