How it works

If you, or anyone driving your car, causes an accident in which someone else is injured your CTP covers the cost of their compensation claim.

This includes other drivers, passengers, pedestrians, cyclists and motorcycle riders. It doesn’t cover damage to vehicles.

In South Australia, your vehicle is automatically allocated to an approved CTP insurer when you register it.


Your CTP Insurance premium is paid as part of your vehicle registration and is set by South Australia’s CTP insurance regulator (the regulator).

To find out more about how the regulator calculates premiums or download the 2017-18 premium schedule, please click here.


QBE will use personal information submitted during registration to provide you with your CTP insurance policy.

Your information will not be disclosed to any third party unless you have permitted us to do so or we are required to disclose it by law. QBE is committed to ensuring the safety of your personal information and full details including how to access the information we hold about you and how to make a complaint are included in the QBE Privacy Policy.

Making a CTP claim

If you’ve been injured in a motor vehicle accident and the at fault vehicle is registered in South Australia and insured by QBE CTP please:

  1. Report your accident to the police

  2. Notify us of the motor vehicle accident by completing an Accident Report Form as soon as practicable and lodging it with us

  3. Depending on the nature of your claim, complete additionally required forms.

Completed Accident Report Forms can be lodged by:

  • emailing them to myctpclaim@qbe.com

  • mailing them to GPO Box 7037 Sydney 2001 or

  • delivering them to QBE CTP, Level 9, 400 King William Street, Adelaide.

Full claims information is available from the regulator.

CTP Insurance Regulator

The regulator is responsible for oversight, monitoring and reporting of the South Australian CTP insurance scheme. Further information is available from the regulator:

Uninvited contact

An important note from the insurance regulator:

Please be wary of uninvited contact relating to potential motor vehicle accident claims. You may or may not have been involved in a motor vehicle accident. They may offer to refer you to a claims, compensation, government or legal service. This contact may be deceptive or misleading about your eligibility to make a claim or your eligibility for compensation. We strongly encourage anyone receiving such contact to protect their personal information. Do not complete any forms that are sent to you without verifying the source.

If you receive uninvited contact please contact the CTP Insurance Regulator on:
Phone: 1300 303 558 or
Email: ctp@sa.gov.au

Additional information

Lifetime Support

The Lifetime Support Scheme (LSS) is a no fault scheme which provides necessary and reasonable treatment, care and support for people who sustain serious lifelong injuries in a crash. The Lifetime Support Authority (LSA) administers the LSS. For more information, visit http://www.lifetimesupport.sa.gov.au/

sa.gov.au - Transport

The South Australian government website provides a one-stop-shop for all government related services and information. For details about transport, travel and motoring-related information in South Australia visit www.sa.gov.au/topics/transport-travel-and-motoring

ISV assessments

A person who has sustained major injuries in a motor vehicle accident may be entitled to compensation, under the Compulsory Third Party (CTP) insurance scheme. In order to assess their injuries, the Motor Accident Injury Assessment Scheme accredits general and specialist medical practitioners to undertake Injury Scale Value (ISV) Medical Assessments, which comprise of a whole person impairment assessment and the allocation of an ISV.

Download more information regarding ISV payment protocols.


In South Australia, the system to renew a vehicle registration is called EzyReg. For more details about your vehicle registration in South Australia visit www.sa.gov.au/topics/transport-travel-and-motoring/ezyreg

Motor Accident Commission (MAC)

The MAC manages non-commercial community programs, including sponsorship of road safety research and communications aimed at safer road user behaviour. For more information about these programs and other road safety initiatives, visit mac.sa.gov.au

Service SA

Service SA provides convenient access to CTP and a range of other government services and information online, over the phone and at various locations throughout South Australia. For more information about these services visit service.sa.gov.au


Need more help?

Call us at 1300 429 528

Fax 1300 059 688 Mon-Fri 8.30am-5pm (ACDT) GPO Box 7037 SYDNEY NSW 2001