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Compulsory Third Party (CTP) Insurance in South Australia

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Nick Whiting
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Jessica Pridmore
Finance Editor
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Compulsory Third Party (CTP) Insurance in South Australia
Source: kssphgeo/Shutterstock.com

CTP insurance is compulsory in Australia. Here’s how it works in South Australia, as well as a list of providers.

Does South Australia have CTP insurance?

Yes, South Australia (SA) has Compulsory Third Party insurance (CTP), which is paid at the same time as your vehicle registration—which is also compulsory. In South Australia, the scheme is regulated by the CTP Insurance Regulator.

What does CTP insurance cover in SA?

CTP insurance provides financial protection if you injure or kill someone in a motor vehicle accident. That includes if you injure a passenger, pedestrian, cyclist or other road user. This protection is given to you as the owner of the vehicle, as well as other people who might use your vehicle. It may also provide coverage for the legal costs that arise from such an accident.

What does CTP insurance not cover in SA?

CTP insurance does not cover damage to your vehicle or damage to other people’s vehicles or property. It also doesn’t cover an injured driver if they were found to be at fault. For this type of additional cover, you may want to consider taking out a comprehensive car insurance policy as well.

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How to find the best CTP insurance in SA?

The best CTP insurance in SA for you will ultimately depend on your needs and preferences. As there are only five CTP insurers to choose from, you may consider the price and coverage they offer (which may be similar in nature) or if you already have another insurance product with one of them, there may be discounts or incentives that apply when taking out CTP insurance with them also. It’s important to read the terms and conditions, which can often be found in the Product Disclosure Statement (PDS), of any CTP insurance policy you’re considering.

Who provides CTP insurance in SA?

There are five government-approved CTP insurance providers in South Australia:

  • AAMI
  • Allianz
  • NRMA
  • QBE
  • Youi

The CTP Insurance Regulator states that these providers offer identical CTP insurance policies. Where they can differ is on price and service. They may also offer customers incentives such as discounts on other insurance products.

To help with your choice, your renewal notice or mySA GOV account includes a comparison of each provider’s premium prices and a claimant service rating, which shows how people who have made a claim for an injury rated their service.

Who is my current CTP Insurer?

You can find out who your current CTP insurer is by checking your registration renewal notice, in the ‘Your Details’ section.

If you’re involved in a CTP insurance related accident, you could also use EzyReg, which is a website that allows you to check the CTP insurance details of any vehicle registered in South Australia.

Is CTP insurance included in your rego in SA?

Yes, CTP insurance is included with your vehicle registration fees in South Australia. You can choose from one of the five CTP insurance providers each time your registration renewal is due.

How much is CTP insurance in SA?

The CTP Insurance Regulator sets minimum and maximum prices that can be charged for each type of vehicle. CTP insurance providers can then set their premiums within this range. The Regulator has a CTP premium calculator where you can enter your details and see the premiums on offer from each provider.

For example, at the time of writing, Allianz, QBE and Youi charge $262.07 for 12 months cover for a class one private passenger vehicle in metropolitan Adelaide or the Hills without input tax credit entitlement. NRMA charges $266.40 and AAMI charges $267.56 for the same vehicle.

Do I have to pay CTP insurance if I have comprehensive car insurance?

Yes, as CTP insurance is compulsory in Australia and considered to be separate from comprehensive insurance, you will still be required to pay it even if you have comprehensive car insurance. CTP covers you for compensation costs if you injure or kill someone in a car accident. Comprehensive car insurance, which is an optional form of insurance, provides a wider level of coverage and typically covers damage to or theft of your vehicle and damage you cause to other people’s vehicles and property.

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