NT CTP Insurance (Motor Accidents Compensation)

What to know about the Northern Territory’s Compulsory Third Party (CTP) Car Insurance Scheme, now operating as Motor Accidents Compensation.

How does CTP work in the NT?

The Northern Territory’s compulsory third party (CTP) insurance operates as the Motor Accidents Compensation (MAC) scheme.

The MAC is a no-fault scheme, which means all people are eligible to make claims if they are injured as a result of a motor vehicle accident, regardless of fault. Benefits that can be claimed include necessary and reasonable costs of medical, rehabilitation and financial support.

The MAC scheme is administered privately by the Territory Insurance Office (TIO) on behalf of the NT Government. TIO is a division of Allianz Australia Insurance Limited.

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Northern Territory road statistics

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

  • As at 31 January 2016, there are 95,196 registered passenger vehicles in NT– making up around 60% of all registered vehicles in the state (ABS). Motorcycles make up 4.4% of all registered vehicles in NT, with 6,941 (ABS).
  • As at 1 July 2015, the annual CTP premium (TIO, excluding GST/duties) for passenger vehicles in the Northern Territory is $495/year (NT Department of Transport).
  • In 2016, there were 45 fatalities on NT roads. Of these, 4 (9%) involved alcohol, 7 (16%) were speed related, and 13 (29%) were not wearing a seatbelt.  The NT fatality rate of approximately 15 deaths per 100,000 people is just over three times the national rate of 4.9 deaths per 100,000 people. (Source: NT Department of Transport).

Northern Territory’s CTP insurance providers

There is only one insurer currently licensed to offer CTP insurance in the Northern Territory at the time of writing – the Territory Insurance Office (TIO). 

The TIO CTP insurance is administered on behalf of the Motor Accidents Compensation (MAC) Scheme. If you’re involved or injured in a motor vehicle accident, TIO provides medical and income benefits on a no-fault basis. The MAC Scheme covers drivers, riders, passengers, cyclists and pedestrians.

About the Motor Accidents Compensation Scheme

The Motor Accidents Compensation Commission is the Government-owned entity that oversees the administration of the MAC scheme, and began its operations on 1 January 2015. However as mentioned, the Territory Insurance Office (TIO) is responsible for the actual running and administering of the scheme, from when a claim is placed to when compensation needs to be provided.

Car insurance for NT 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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