Your Compulsory Third Party (CTP) insurance is paid at the same time as your motor vehicle registration – and just as registration of your vehicle is compulsory, so is CTP insurance.
Motor vehicle accident insurance in SA
Download a fact sheet about how different motor vehicle accident insurance products work in SA, including CTP insurance, personal injury insurance and motor vehicle property insurance.
What is covered?
Paying your CTP insurance premium provides cover under a compulsory Policy of Insurance, set by the CTP Regulator under Section 5 of the Compulsory Third Party Insurance Regulation Act 2016. The Policy of Insurance protects you (and other people who use your vehicle, with or without your consent) against the financial impact of causing injury or death to other road users through the use of your vehicle anywhere in Australia. Serious injuries can cost hundreds of thousands of dollars, so it’s important that you as a driver or owner are protected from having to personally pay these expenses.
Children's CTP claims
Regardless of fault, CTP insurance covers children aged under 16 for ongoing treatment, care and support needs that are a direct result of their injury from the accident, provided it occurred in South Australia on or after 1 July 2013.
Lifetime Support Scheme
CTP insurance is complemented by the Lifetime Support Scheme, which provides treatment, care and support for people who have sustained very serious lifelong injuries as a result of a motor vehicle accident in South Australia on or after 1 July 2014, regardless of fault. Find more information about the LSS.
What is not covered?
CTP insurance does not cover an injured driver who is entirely at fault. It also does not cover damage to property (including vehicles).
Other situations where you are not covered include:
- participating in a road race and cause injury or death to another participant in the road race, or
- for example, the rider of a bicycle who is at fault for injuring another road user.