Brand new vehicles

Automatic allocation of brand new vehicles continues under the Scheme. This means when you purchase a brand new vehicle, it is automatically allocated to one of the four Government-approved CTP Insurers for CTP cover at the lowest premium price available in the market at the time for your vehicle’s premium class.

All CTP Insurers provide the same Policy of Insurance, so your cover will be the same regardless of the CTP Insurer.

As a brand new motor vehicle owner, you are still able to choose your own CTP Insurer.

If your new vehicle has a registration of more than three months, you can change to a different CTP Insurer than the one automatically allocated from five days after registration until the end of the first three months of the policy.

This can be done through a mySA GOV account, phoning Service SA on 13 10 84, or going to a Service SA customer service centre. The CTP Insurance for a Brand New Vehicle Fact Sheet provides you with a step-by-step guide to changing your CTP Insurer in mySA GOV.

Changing your insurer will not change the premium price and there are no additional charges to make this change. Your policy will be transferred to your chosen CTP 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 will be able to choose a different CTP Insurer when your registration is due for renewal.

If the registration period for your new vehicle is three months only, you may choose a different CTP Insurer when you renew your registration if you wish.

CTP Insurer choice is separated from the day of registration to support the continued ban on commissions or benefits to motor vehicle dealers from CTP Insurers. This ensures your choice is free from this influence.

Second-hand vehicles

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