NSW Green Slip (CTP) Insurance

2 March 2018

Co-author: Dominic Beattie

Information about NSW’s Green Slip (CTP) Insurance

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 New South Wales.

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How does CTP work in New South Wales?

NSW previously operated an ‘at-fault’ CTP scheme, which made for cheaper premiums; but if you were injured in a road accident, you were only eligible for compensation if you could prove you were not at fault.

The Motor Accident Injuries Act 2017 (NSW) was implemented on 1 December 2017, bringing a ‘no-fault’ CTP scheme with it – also bringing NSW’s CTP scheme in line with the CTP legislation of other states and territories. This means anyone who sustains a severe injury from a road traffic crash involving a registered vehicle in NSW will be eligible for lifetime treatment, care and support, regardless of fault.

NSW road statistics

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

  • As at 31 January 2017, there are 4,217,440 registered passenger vehicles in NSW, making up roughly 76% of all registered vehicles in the state. (Source: ABS)
  • The average CTP premium for the 2016-17 period in NSW for passenger vehicles was $585. (Source: NSW Government)
  • In the 2015-16 period, there were 27 CTP claims per every 10,000 vehicles. (Source: NSW Government)

NSW CTP insurance providers

NSW is one of the few Australian states/territories that offers residents a choice of CTP insurance provider – CTP in most states is provided by one state-owned or government-licensed insurer.

Here are the insurance companies currently licensed to offer CTP insurance in NSW 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.

You can compare AAMI products on the Canstar website including AAMI car insuranceAAMI home and contents insurancelife insurancetravel insurance, and business insurance.


Allianz Australia traces its history back to 1914 when it was known as the Manufacturers’ Mutual Accident Insurance Association Limited. It changed its name to Allianz Australia in July 2000. With over three million customers, Allianz are considered to be Australia’s fourth largest general insurer.

On the Canstar website you can compare other products from Allianz including car insurance, home and contents insurance, travel insurance, life insurance, and business insurance.

Allianz offers CTP insurance in NSW, Queensland, and South Australia.


GIO Australia was founded in 1927 as the Government Insurance Office, to provide workers’ compensation insurance previously managed by the NSW Treasury Insurance Branch. The ownership of GIO changed in 2001 when it was bought by Suncorp, and in 2013 when it was bought by AAI Limited.

GIO offers CTP insurance in NSW.


NRMA Insurance was established in 1925 by the National Roads and Motorists’ Association, in order to provide car insurance to members in NSW and the ACT. In 1995 they expanded to include Queensland. NRMA is proud to have been among the first to provide CTP Green Slip insurance. Up until June 2013, NRMA Insurance was the only licenced provider of CTP insurance in the ACT.

NRMA is now part of the Insurance Australia Group (IAG), the largest general insurers in Australia and New Zealand. NRMA have created partnerships to provide car insurance in other states: with SGIC in South Australia, and with SGIO in Western Australia.

NRMA offers CTP insurance in NSW.


QBE Insurance began in North Queensland in 1886 as the North Queensland Insurance Company Limited (QI). Following the merger of QI, the Bankers’ and Traders’ Insurance Company, and the Equitable Probate and General Insurance Company, QBE Insurance Group Limited was listed on the Australian Stock Exchange in 1973.

It has since grown to become one of the top 20 insurers worldwide, with offices in 38 countries and over 17,000 staff around the globe. QBE offers car, home, travel and business insurance.

QBE offers CTP insurance in NSW, Queensland, and South Australia.

On the Canstar website, you can compare other products from QBE including car insurance, home and contents insurancetravel insurance, and business insurance.

Car insurance for NSW 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. To protect yourself, make sure you consider the pros and cons of getting car insurance.

If you’re considering car insurance policies, the comparison table below displays some of the policies currently available on Canstar’s database for a 30-39 year old male seeking cover in NSW without cover for an extra driver under 25. Please note the table is sorted by Star Rating (highest to lowest) followed by provider name (alphabetical) and features links direct to the providers’ website. Use Canstar’s car insurance comparison selector to view a wider range of policies.


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