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

Current SGIC CTP policy holders and injured people with claims managed by SGIC were informed directly by SGIC that policy coverage and management of claims are unaffected by the brand becoming NRMA Insurance.

Your CTP insurance policy’s coverage remains the same. This is because the Policy of Insurance is determined by the CTP Regulator and is the same for every South Australian registered motor vehicle, regardless of CTP Insurer.

When your registration renewal is next due you will have the freedom to choose a CTP Insurer that best meets your personal needs. 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, which shows how injured people who have made a claim rated the insurer’s service.

Yes. Youi applied and was approved by the Government of South Australia to enter the CTP insurance market. Youi had to meet legislative and contractual requirements before it was permitted to offer CTP insurance policies effective from 1 July 2022. This is good news as more insurer choice can increase price competition to the benefit of vehicle owners.

From 1 July 2022, the lowest annual premium available for private passenger vehicles (classes 1 and 51) will increase less than 0.2 percent or 60 cents for the metropolitan area and surrounds or 11 cents for the rest of the state. This applies to about 1.1 million or 70 percent of South Australia’s registered vehicles.

There have also been decreases for other classes. For example, the lowest annual premium available for metropolitan taxis (class 5) has decreased by more than $430 (or 12 percent).

Fundamentally, the CTP Regulator must be satisfied premiums are fair and reasonable to policy holders. Premiums for each premium class are based on the number and cost of injury claims. If motorists in a class cause more injuries that result in CTP claims, the class will have a higher premium.

Use the CTP premium calculator to find CTP premiums for other classes, or the ‘Calculate Registration Fee’ function in the ‘Registration’ section on EzyReg to see the CTP premium as a component of the total fee.

From 1 July 2022, the lowest available premium for rideshare vehicles accredited to operate in metropolitan Adelaide (class 48) has increased from last year. This is primarily because the number and cost of rideshare crashes resulting in CTP claims has increased.

The CTP Regulator sets the upper and lower premium limits at least annually for each premium class using independent expert actuarial analysis and advice. Each CTP Insurer then decides its premiums for each class within those limits.

The limits are set so premiums are sufficient to meet the cost of CTP compensation claims and there is fairness in how motor vehicle owners fund the Scheme.

Find out more about how premiums are set and how point-to-point vehicle relativities are used to set premiums.

Several other compulsory government fees and levies are collected at the same time as you renew your vehicle registration. Find out more about these other fees and levies and see the back page of your renewal notice for a breakdown of the charges based on your vehicle’s details.

Your CTP premium consists of the CTP Insurer Premium for the Policy of Insurance, the CTP Scheme Services fee that funds government services to support the Scheme e.g. road safety, hospital and emergency services costs, Stamp Duty and GST.

You can also use the ‘Calculate Registration Fee’ function in the ‘Registration’ section on EzyReg to see a fee breakdown.

As Youi is a new insurer in the CTP Scheme, there is insufficient data to calculate a Claimant Service Rating.

A CTP Insurer’s overall average Claimant Service Rating is the result of surveying people who have made a claim for a motor vehicle accident injury approximately three months after lodging their claim. The survey results are updated on a rolling six-month basis. Youi therefore needs to manage CTP claims for at least nine months before it is possible for the Regulator to consider publishing a rating for Youi. There also needs to be a significant number of survey participants with their claim being managed by Youi for the rating to accurately indicate the experience of Youi’s claimant service.

Importantly, and separate from Claimant Service Rating publication, it is the responsibility of the CTP Regulator to make, monitor and enforce the Regulator Rules to ensure all CTP Insurers meet their legislative and contractual obligations (such as meeting claims management and dispute resolution standards).

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.

AAMI, Allianz, NRMA, QBE and Youi are the five insurers that applied and were approved by the Government to provide CTP insurance in South Australia.

These insurers applied to become approved by the Minister under Section 101A of the Motor Vehicles Act 1959 (SA) and they must comply with strict legislative and contractual obligations. They must also uphold standards of service set by the CTP Regulator in the Regulator Rules.

Other insurers are able to apply to be part of the South Australian CTP Scheme.

CTP Insurers can offer promotions to policy holders. Any promotion must be of an approved class called an ‘approved incentive’. These promotions can include: gifts, additional policy offers (i.e. at-fault driver protection insurance), or access to rewards programs. To find out more about the available promotions or how to receive these promotions, contact the CTP Insurers or visit their websites, see Useful contacts.

CTP premiums for all premium classes are based on the number and cost of CTP injury claims. If motorists in a premium class cause more injuries that result in CTP claims, the class will have a higher premium. Simply put, rideshare premiums are less to reflect the lower risks and costs of motor vehicle injuries of the class.

Eligible registered metropolitan taxi owners will receive a rebate for Compulsory Third Party insurance (CTP) premiums paid between 1 July 2021 and 30 June 2022. The rebate amount also accounts for Lifetime Support Scheme Levy amounts paid.

To be eligible, you must be the registered owner of a taxi which is registered with premium class 5 (metropolitan taxis).

The rebate effectively reduces the CTP premium paid for metropolitan taxis to be comparable with the premium paid for rideshare vehicles.

The State Government has also committed to providing a rebate for premiums paid in the 2022-23 financial year. If eligible, you do not need to do anything or apply for the rebate. A cheque will automatically be mailed to the postal address recorded for you at the Department for Infrastructure and Transport (DIT).

For more information, see DIT’s Compulsory Third Party Rebate Fact Sheet or email DIT at