How you choose an insurer is up to you. The Claimant Service Rating is one factor to help you choose. The CTP Insurer you choose will be the insurer managing a claim for the person injured by anyone driving your vehicle. The injured person may be a passenger, and this could be you or a family member.
The competitive scheme has resulted in all insurers currently offering the same premium for “private passenger” vehicles and “goods carrying: light” vehicles.
When the CTP Scheme became competitive, there were different premium prices for these premium classes. Over time, the insurers with higher premiums reset them to match the lowest premium price in these classes. This means there is no difference in registration and CTP costs. There are however premium differences across the majority of other premium classes and also between classes.
Premium ranges for each premium class are set by the Regulator. CTP Insurers can change their own premium prices within these ranges throughout the year. See more information on how CTP premiums are set.
The name of your current CTP Insurer appears on your registration renewal notice, under the Your Details section. You can also use EzyReg to find out. See more information about how to do this.
There are three parties to CTP claims. The first party is the at-fault owner/driver, the second party is the CTP insurer of the at-fault vehicle and the third party is the injured person.
Your insurance district is based on the area in which the vehicle is garaged.
The difference in premiums between districts 1 and 2 reflects the difference in the number and cost of CTP claims arising from at-fault vehicles garaged in the two districts.
Find more information about insurance districts and how premiums are set.
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.
Yes, the Policy of Insurance protects you (and other people who use your registered and insured vehicle) against the financial impact of causing injury or death to other road users through the use of your vehicle at anytime, anywhere in Australia. The Policy of Insurance applies whether you are driving your vehicle for work purposes or your own use.