With direct debit, you can choose a CTP Insurer by logging into your MySA GOV account. Once logged in, go to "My Services" then click on "Vehicle List", followed by "Update/Cancel direct debit" beside the vehicle you wish to renew, and choose your insurer. This will take effect on the policy renewal date. You don't need to contact the insurer you've chosen. More information on renewing your policy via direct debit is available at Renewing your policy.

From 1 July 2019, motorists with Class 1 vehicles in District 1 (in the metropolitan area) achieved a minimum annual saving of approximately $47 compared to 2018-19. As the renewal notices only provide the current registration costs and not a comparison against prior costs, the savings are not visible there.

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. CTP Insurers can change premiums for each premium class within ranges set by the Regulator.

The CTP premium consists of the CTP Insurer premium paid to insurers for the policy, and a component for CTP scheme services and administration costs. Find more information on CTP premiums.

Premium ranges for each premium class are set by the Regulator. CTP Insurers set their premium prices within these ranges. It is possible that all insurers may choose to set their premiums at either the top or bottom of the range, which they are allowed to do in a competitive market. This would mean that all premiums for a particular premium class would be the same on registration renewal notices. Find more information on CTP premiums.

The Registration amount only differs with renewal period. The 12 month registration total for your premium class appears as the first entry of the table displayed on the back of the notice. The Other Charges amount varies because one of the charges is a percentage of the CTP Insurer Premium.

The Government introduced a market-based CTP insurance model in July 2016. The power to choose your CTP Insurer commenced 1 July 2019. The insurers continue to offer the same product, but can compete for your business on price and service. Further changes were also designed to make the choice of CTP Insurer easy for motor vehicle owners, and keep CTP premiums fair and equitable for motor vehicle owners. See more information about the CTP scheme.

AAMI, Allianz, QBE, and SGIC are the four 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 101 of the Motor Vehicles Act 1959 (SA) and they must comply with strict legislative obligations. They must also uphold standards of service set by the Regulator Rules.

See more information on CTP Insurers.

CTP premiums are treated differently for tax purposes depending upon the motor vehicle owner’s ITC entitlement. You can claim ITC for the GST portion of your premium to offset the price differential.

Read more about how Goods and Services Tax and ITC affect your CTP premium.

Under the Stamp Duties Act 1923, there are two stamp duties paid when registering a motor vehicle, made up of:

  • 11% charged on the CTP Premium as required under Section 34 (1) (b) of the Stamp Duties Act 1923.
  • $60 for a twelve month registration, used for the maintenance of public hospitals as required under section 42B (1d) (a) (ii) of the Stamp Duties Act 1923.

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.

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.

It is an offence to drive a vehicle that is unregistered and uninsured for CTP, and you risk incurring penalties. In South Australia, a maximum court penalty of $10,000 applies for driving an uninsured vehicle under Section 102 of the Motor Vehicles Act 1959.

Penalties as at 1 July 2019:

Offence

Expiation Fee

(excl. Victims of Crime Levy)

Maximum Court Penalty

Unregistered

$411

$7,500

Uninsured

$761

$10,000

In addition, if you are at fault in an accident that causes injury to another person and you don’t have CTP insurance, you may be liable to repay the CTP Insurer for the cost of injury claims arising out of the accident (which can cost hundreds of thousands of dollars).

As a rule, you aren’t covered by CTP Insurance if you were the at-fault driver in a motor vehicle accident (exceptions may apply for seriously injured people who are eligible for the Lifetime Support Scheme and for at-fault injured people under 16 years of age).

View more information about eligibility to make a CTP claim.

Your Insurance Rating District is based on the postcode area in which the vehicle is garaged. There are some divisions within individual postcodes, resulting in suburbs that share the same postcode being allocated to different Insurance Rating Districts.

The difference in premiums between Insurance Rating Districts 1 and 2 reflects the difference in the number and cost of CTP claims arising from at-fault vehicles, based on garaging addresses.

Find more information about Insurance Rating Districts and how premiums are set.

Rideshare and chauffeured vehicles have separate premium classes to ensure their CTP premiums reflect their specific risks and costs of causing motor vehicle injury.

Find more information about the rideshare premium class.