CTP Insurers

To provide CTP insurance in South Australia, insurers need to apply to the CTP Regulator and be approved by the Minister.

AAMI, Allianz, NRMA, QBE and Youi have each been through this process, and been approved.

Other insurers can apply to provide CTP insurance in South Australia.

CTP Insurers need to abide by:

How you choose an insurer is up to you. Each insurer's policy coverage is the same.

To help you make your choice, there is a comparison of each insurer's premium prices and a claimant service rating on your renewal notice.

The claimant service rating shows how injured people with CTP claims have rated the insurer's service.

The CTP Insurer, SGIC, became NRMA Insurance in South Australia on 1 July 2022. Both brands are part of Insurance Australia Group (IAG).

Claims that were managed by SGIC are now managed by NRMA. This doesn't change anything about your claim.

CTP insurance

CTP insurance and comprehensive (or third-party property) insurance cover different things.

CTP insurance covers personal injuries caused by motor vehicle accidents. It doesn't cover any damage to property or vehicles.

On the other hand, comprehensive or third-party property insurance covers damage to vehicles. These do not cover personal injuries.

For more information, read our fact sheet about different types of vehicle insurance.

Certificates of insurance (sometimes called 'certificates of currency') are not issued for CTP insurance.

Since CTP insurance is paid at the same time as your vehicle's registration, proof that your vehicle is registered is also proof that you have CTP insurance.

If you need a registration certificate to show that your vehicle is registered, contact Service SA or download your certificate through SA.GOV.AU.

If you've caused a motor vehicle accident where somebody else was injured or killed, you need to report this to South Australia Police as soon as possible.

You also need to complete an Accident Report Form and send it to your CTP Insurer. This gives you the opportunity to explain what happened to your insurer.

Premiums and fees

At least once a year, the CTP Regulator sets upper and lower limits for each premium class. These limits are based on independent expert analysis and advice.

Each CTP Insurer then decides where, within those limits, to set their premiums. The CTP Regulator only approves insurers' premiums if they are within the limits.

Premiums are based on several factors; primarily the number of accidents caused within a premium class, and the average cost of those claims. Economic factors like inflation are also considered.

You can use the CTP premium calculator to check your premium.

Find out more about how CTP premiums are set.

The Stamp Duty is a fixed 11% of the CTP Insurer Premium, GST on the CTP Insurer Premium and CTP Scheme Services fee combined.

The CTP Insurer Premium is variable as CTP Insurers can set different premiums within a premium band.

Applying the one percentage to two variable costs delivers two different results. For example, 11% of $100 = $11 and 11% of $200 = $22.

Your CTP premium consists of:

  • the CTP Insurer Premium for the Policy of Insurance
  • the CTP Scheme Services fee to pay for government services to support the Scheme (for example road safety, hospital and emergency services costs)
  • stamp duty
  • GST
  • other fees and levies collected for other government agencies.

There's a full breakdown of fees on the back of your registration renewal notice. You can also use 'Calculate Registration Fee' on EzyReg for a breakdown.