CTP premiums are set using a community rating by type and purpose of use of vehicle, and garaging location (Insurance Rating Districts 1 and 2).

Motor vehicles are classified into separate premium classes, with the owners of a particular class of vehicle all paying a premium within the limits based on the claims experience of that class.

View the premium classes.

Information for rideshare operators

If you use your vehicle for paid rideshare purposes, your vehicle now comes under a separate premium class. The class recognises that your vehicle is used in a different manner to other vehicles. Putting rideshare and chauffeured vehicles into separate premium classes will ensure that their CTP premiums reflect their specific scheme risks and costs.

In 2020, the South Australian Government announced that it would allow the operation of rideshare services outside metropolitan Adelaide on a trial basis. The rideshare class definition has been amended for the duration of the trial.