You pay for your CTP insurance at the same time as you renew your vehicle registration.

You have the freedom to choose one of the four CTP Insurers that best meets your personal needs, each time your registration renewal is due.

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, which shows how injured people who have made a claim rated the insurer’s service.

You can find out more about each insurer and incentives being offered to the policy holders by visiting their South Australian CTP website pages.

Direct Debit customers

You choose a CTP Insurer by logging into your MySA GOV account, selecting the appropriate vehicle and then clicking on the ‘Update/Cancel direct debit’ link. A change of CTP Insurer takes effect with the next scheduled payment.

Brand new vehicles

When you purchase a new vehicle, one of the four CTP Insurers is automatically allocated to provide your CTP Policy of Insurance. The insurance premium price will be the lowest available at the time of registration for your vehicle’s premium class.

If the registration is for three months, you choose a CTP Insurer when you renew your registration.

If the registration is more than three months, you can choose your CTP Insurer from five days after the date of registration up until three months into the policy term. The change comes into effect in the fourth month of your policy term.

You can change your allocated insurer through a mySA GOV account. The CTP insurance for a brand new vehicle fact sheet provides you with a step-by-step guide. Alternatively, you can phone Service SA on 13 10 84, or visit a Service SA customer service centre.

If you decide to change your insurer, there are no additional charges and your premium remains the same. Your policy will be transferred to your chosen insurer in the fourth month of your policy term, for the remaining period of registration. If you don’t change in the first three months, you choose an insurer when you renew your vehicle registration.

For further information about how brand new vehicles are automatically allocated to a CTP Insurer, see the Auto-Allocation Scheme details.

Second-hand vehicles

When you purchase (or assume ownership of) a registered second-hand vehicle, you take over the remaining registration and CTP insurance for the vehicle. You choose your CTP Insurer when you renew the vehicle’s registration.