ACT CTP Insurance

20 July 2017
Information about compulsory third party insurance (CTP) in the Australian Capital Territory.

CTP insurance is designed to cover the cost of compensation claims made against a driver if they kill or injure someone in a car accident. Here’s how CTP insurance works in the ACT.

How does CTP work in the ACT?

The ACT’s CTP insurance operates an at-fault scheme, meaning people cannot make a claim for the payment of medical expenses even if they were totally at fault in causing the car accident.

On 1 July 2014, the ACT commenced its Lifetime Care and Support Scheme, which ensures that those who are catastrophically injured on ACT roads will receive required treatment and care for life – regardless of fault. This scheme is funded by the Lifetime Care and Support Levy.

The Australian Capital Territory’s compulsory third party (CTP) insurance scheme allows drivers to choose their own CTP insurance provider, a change introduced in June 2013. Previously from 1979 until 2013, residents of the ACT were only provided with one licensed insurer – NRMA Insurance.

ACT road statistics

Wondering why CTP is compulsory? Read the following road statistics from the ACT:

  • As at 31 January 2016, there are 240,946 registered passenger vehicles in the ACT – making up around 84% of all registered vehicles in the state (ABS). Motorcycles make up about 5% of all registered vehicles in the ACT, with 13,102 bikes on the road (ABS).
  • As at 1 April 2016, the average CTP 12-month annual premium (excluding fees and levies) for a Class 1 vehicle (i.e. passenger vehicle) for each of the four providers is (ACT Government Treasury):
    • $555/year for AAMI
    • $575/year for APIA
    • $544.90/year for GIO (from 1 February 2017)
    • $545.90/year for NRMA (from 1 July 2017)
  • There were 7,850 traffic crashes on ACT roads in 2015. Of these, there were 15 fatalities and 131 hospital admissions. Five of the fatalities (33%) involved vulnerable road users such as cyclists, pedestrians and motorcyclists. (Source: ACT Justice and Safety Directorate).
  • The ACT has an average of 3.8 road fatalities per 100,000 residents over the years 2006-2015. This rate is significantly less than the national average of 5.1 (ACT Justice and Safety Directorate).

ACT CTP insurance providers

The Australian Capital Territory is one of the three states and territories in Australia where people have the power to choose their Green Slip/CTP provider.

Here are the insurance companies currently licensed to offer CTP insurance in the ACT at time of writing, listed in alphabetical order:


AAMI has been around for 40 years, starting out in car insurance, and is a subsidiary of the Suncorp Group. Their brand name is an acronym for Australian Associated Motor Insurers. Their tagline, “Lucky you’re with AAMI”, has been used as part of their marketing since 1985.

AAMI offers CTP insurance in the ACT, NSW, and South Australia.

Apia CTP

Apia have been around for over 25 years and have more than 700,000 customers across Australia, with over 450 staff. They are a subsidiary of the Suncorp Group and offer products that are specifically catered towards people over 50 years old.

You can compare Apia products on the Canstar website including car insurance, Apia health insurance, home and contents insurance, travel insurance, and more.


Founded as the Government Insurance Office in 1927, GIO Australia was established to take over the activities of the NSW Treasury Insurance Branch. It was listed on the Australian Stock Exchange in 1992, became a subsidiary of AMP in 1999, and was then sold to the Suncorp Group in 2001, where it remains.

You can compare GIO products on the Canstar website including GIO car insurance, home and contents insurance, life insurance, travel insurance, and business and workers compensation insurance.


NRMA Insurance was established in 1925 as the National Roads and Motorists’ Association (NRMA), to provide insurance to members in NSW and the ACT. In 1995, they began offering insurance in Queensland as well. NRMA are part of the Insurance Australia Group (IAG) – which are the largest general insurers in Australia and New Zealand.

Up until June 2013, NRMA Insurance was the only licenced provider of CTP insurance in the ACT.

On the Canstar website, you can compare NRMA products including NRMA car insurance, and NRMA home and contents insurance.

Car insurance for ACT drivers

CTP doesn’t cover you for damage to other vehicles or other people’s property, or damage to your vehicle caused by an accident or other causes such as fire, flood, or storm, so make sure you consider the pros and cons of getting comprehensive car insurance.


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