You have to buy CTP insurance to register a vehicle in Australia. It protects you from having to pay out huge sums if your vehicle crashes and injures or kills someone. However, each state and territory has a different way of approaching CTP. We show how CTP insurance works in your state or territory.
9. What is CTP green slip insurance in NSW?›
10. Does the ACT have CTP insurance? ›
11. What does CTP insurance cover in the NT?›
12. What is Qld CTP insurance?›
13. What does CTP insurance cover in SA?›
14. What does CTP cover in Tas?›
16. Is CTP included in registration in WA?›
17. Summary – How CTP insurance works›
9. What is CTP green slip insurance in NSW?
CTP green slip insurance in NSW works differently from other states and territories. You have to pay the CTP insurer first before you can register your vehicle. In NSW only, CTP is also known as a green slip.
Six insurers offer CTP insurance in NSW:
- AAMI
- Allianz
- GIO
- NRMA Insurance
- QBE
- Youi
The price of CTP
Insurers set the price of your CTP greenslip. They must first submit prices to the CTP regulator, State Insurance Regulatory Authority (SIRA), which can reject prices that don’t meet its guidelines.
The price of CTP varies with many factors, eg:
- Geographic region or postcode
- Type and age of vehicle
- Demerit points
- Age of vehicle owner
- Age and gender of youngest driver
- Driving and claims history.
In NSW, postcode does affect the price of your CTP. There are 5 rating regions: metropolitan, outer metropolitan, Newcastle and Central Coast, Wollongong, and country.
For example, a 30-54 year old in NSW could pay $430 in metropolitan, $320 in Newcastle or Central Coast and $310 in country region for a 12 months green slip from July 2023.
Compare CTP prices for your postcode.
Make a CTP claim
All injured people can claim under NSW CTP, whether the accident was their fault or not. Drivers at fault are entitled to benefits to cover loss of income and the cost of medical treatment and care for 12 months. If not at fault, , benefits are available for more than 12 months. People with more serious injuries can claim for lump sum compensation. The Lifetime Care and Support Scheme covers those with catastrophic injuries.
SIRA monitors CTP insurers and reports each quarter on what you can expect from your insurer if you make a CTP claim.
10. Does the ACT have CTP insurance?
No. The ACT has MAI (motor accident injury) insurance, but it works in the same way as CTP insurance. In the ACT, all vehicle owners pay for MAI insurance as part of their registration fee.
Four insurers are licensed to provide MAI insurance in the ACT:
- AAMI
- APIA
- GIO
- NRMA insurance.
The price of MAI
ACT insurers set their own MAI prices. Before changing their prices, insurers must submit them to the regulator Motor Accident Injuries Commission (MAIC) for approval.
In the ACT, premium prices are for 12 months and vary only with vehicle class and type of use. One type is private use (no claim for GST) and one type is business use (claim for GST).
You can compare MAI prices from each insurer.
Make an MAI claim
Under ACT MAI insurance, you can claim benefits if you were injured in a road accident even if it was your fault. You can also make a claim if it was nobody’s fault, for example, an accident with a kangaroo.
How much you receive depends on the type, extent and circumstances of the injury. People with serious injuries can claim for damages. Meanwhile, the Lifetime Care and Support scheme provides lifetime support for people with catastrophic injuries. The regulator oversees all insurers so that injured people receive speedy treatment.
11. What does CTP insurance cover in the NT?
CTP insurance in the NT provides cover for all vehicle owners, regardless of fault. You pay for CTP insurance as part of the registration fee. The Territory Insurance Office (TIO), a division of Allianz, is the only provider of CTP insurance in the NT. This means you can’t choose an insurer.
Make a CTP claim
CTP in the NT provides compensation for medical and hospital care, rehabilitation services, loss of limbs and loss of earning capacity. You don’t have to prove fault to make a CTP claim. Even so, a driver affected by alcohol or drugs, unlicensed, or involved in reckless conduct may receive less compensation.
12. What is Qld CTP insurance?
Qld CTP insurance is fault-based insurance that you pay as part of vehicle registration.
Currently, four insurers are licensed to offer CTP:
- Allianz
- QBE
- RACQ Insurance*
- Suncorp.
*Note, RACQ has formally asked the regulator, Motor Accident Injury Commission (MAIC), to stop offering CTP in Qld.
The price of CTP
Qld CTP insurers set their own prices within guidelines set by the MAIC. Prices are based on registration period, class of vehicle and whether it is for private or business use. Quarterly CTP prices for 1, 3, 6 or 12 months are here.
The MAIC oversees the Qld CTP scheme to keep premiums affordable. It also regulates insurer activity and ensures people in road accidents are properly compensated.
Make a CTP claim
Queensland has a CTP scheme based on fault. This means it pays compensation according to the type and extent of injury, but you may receive less if you were at fault. You may have to prove in court that another driver was negligent.
Someone with catastrophic injuries may claim lifetime treatment, care and support under the National Injury Insurance Scheme (NIIS). Registration in Qld includes levies for the NIIS and the MAIC.
13. What does CTP insurance cover in SA?
CTP insurance in SA covers people who are injured or killed in a road accident and is based on fault. In SA, you pay for CTP as part of the registration fee.
Five private insurers offer CTP in SA:
- AAMI
- Allianz
- QBE
- SGIC
- Youi.
The price of CTP
Insurers set their own CTP prices within a range set by the CTP Regulator. Prices depend on district, vehicle type, and whether you claim an input tax credit. Insurers are allowed to offer incentives, such as reward programs, loyalty schemes or gift cards. For example, they may bundle CTP insurance with comprehensive vehicle insurance.
Before choosing an insurer, you can check insurer ratings. Ratings are based on customer surveys of how well CTP insurers handled claims during the previous 6 months.
Make a CTP claim
The SA CTP scheme is based on fault. This means you can claim benefits if you were injured in a road crash and can prove another driver was at fault. For example, drivers who are 25% at fault may have to pay an excess.
The Lifetime Support Scheme (LSS) covers people who suffer catastrophic disabilities in road accidents. The Lifetime Support Authority (LSA) funds this scheme with an LSS levy on registration.
14. What does CTP cover in Tas?
CTP insurance in Tasmania covers people who are injured or killed in a road accident and does not consider fault. In Tas, CTP is included in the registration fee. The Motor Accidents Insurance Board (MAIB) is the government insurer, so you can’t choose an insurer.
The price of CTP
The Regulator regularly reviews CTP prices. Registration fees depend on vehicle class only. You can choose the period of registration for light vehicles (6 or 12 months) or heavy vehicles (3, 6 or 12 months).
Make a CTP claim
The CTP insurance scheme in Tas is not based on fault. This means you can claim medical and income benefits after an accident, whether it was your fault or not. Even so, injured people may sue for damages if they can prove the accident was somebody else’s fault.
Benefits include reasonable medical costs, ambulance transport, hospital treatment, loss of income, funeral expenses and death benefits. MAIB’s Long Term Care program gives lifetime care to people who have catastrophic injuries.
15. Do you pay CTP in Vic?
Yes. All vehicle owners in Victoria pay for CTP as part of their registration fee. The Transport Accident Commission (TAC) provides CTP so there is no choice of insurer.
The price of CTP
The CTP price shows on your registration as TAC premium or TAC charge. How much you pay for CTP depends on:
- Period of registration – 3, 6 or 12 months
- Type of vehicle
- Your postcode– metro, outer metro or rural (risk zones)
- Whether or not you claim a concession.
Calculate your Vic registration fees here.
Make a CTP claim
The Victorian CTP scheme is not based on fault. This means people who are injured in a road accident can claim medical benefits, even if it was their fault. Compensation includes reasonable costs of medical treatment, rehabilitation, disability services, income assistance, travel and household support.
16. Is CTP included in registration in WA?
Yes. The cost of CTP insurance is included in the WA vehicle licence (or registration) fee. The Insurance Commission of Western Australia (ICWA) sets CTP premiums each year and manages CTP claims. There is no choice of insurer.
The price of CTP
CTP insurance is part of your vehicle licence and is based on type of vehicle and its primary use. You can renew light vehicle licences for 3, 6 or 12 months. Find all WA licensing fees here.
Make a CTP claim
In WA, CTP insurance is based on fault. If it was not your fault, the CTP scheme covers your claim for injuries caused to someone else in a road accident. If it was your fault, CTP does not cover your injuries unless they are catastrophic. In this case, the Catastrophic Injuries Support Scheme provides cover.
17. Summary – How CTP insurance works
- CTP insurance works by covering you for people who are injured or killed if your vehicle is in a road accident. Your CTP covers other drivers, passengers or pedestrians who are injured or killed.
- In some states and territories, CTP also covers the driver at fault.
- Each state and territory has its own CTP insurance scheme with different rules if you are at fault and different benefits.
- CTP insurance covers only people, not property.
- CTP insurance does not cover you for any property damaged in the accident, such as vehicles. You may choose to buy further motor insurance to cover property.
If you’re looking for CTP insurance in NSW, compare the cheapest prices.
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