Better drivers may soon be paying lower insurance premiums than those who escape crashes only through sheer luck.

A Lamborghini owner damaged his car - and his ego - when he crashed his rare $200,000 sportscar into a house in the upmarket Coromandel township of Pauanui.

Thousands of New Zealand cars have such poor rear visibility that drivers cannot see a small child unless the kid is standing more than 10m away from the vehicle.