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

When you purchase your CTP insurance, you must choose your insurer.

As each insurer’s policy coverage is identical, you choose from the four CTP Insurers based on their premium price and Claimant Service Rating.

Premium price

CTP Insurers set their own premiums for each premium class within a Regulator-approved price range, based on how they assess the cost of the Scheme. Premiums are only accepted if they fall at or within the premium range.

Find out more information on how premiums are set.

Claimant Service Rating  

All people who have made a claim for an injury as a result of a motor vehicle accident are asked to participate in a survey. Those surveyed are asked to give a rating from 0 to 100 on the overall experience they had with the insurer handling their claim (0 being a negative experience, 100 being a positive experience).

The results collected from the surveys are used to determine an overall average Claimant Service Rating for each CTP Insurer on a rolling six month basis.

Find out more information about the claimant survey.

Current Claimant Service Ratings

CTP Insurer Incentives

From time to time, CTP Insurers may offer incentives to motorists. The types of incentives insurers are able to offer are approved by government.  Incentives must provide direct benefit and real value to you as the policy holder. Any offer must clearly outline any eligibility criteria. See information on CTP insurer incentive classes allowed under the CTP Scheme in South Australia.

For details on incentives which may be available, contact the relevant CTP Insurer.