Skip to main content
ARTICLE

CTP green slip explained: a state by state guide

CTP and Green Slips Explained
  • CTP insurance is mandatory in Australia
  • CTP covers the cost of compensation claims of injury to others
  • States and territories manage CTP differently

There can be confusion around what Compulsory Third Party (CTP) insurance is, how it works and what it covers. So, here’s CTP explained.

What is CTP insurance?

You need CTP insurance if you register a vehicle in Australia. CTP insurance – also known as a CTP green slip in New South Wales – provides protection from third-party compensation claims.

What does CTP cover?

CTP covers the cost of third-party compensation claims if you, or anyone driving your car, injures someone in an accident.

This includes the cost of the injured person’s medical treatment, lost earnings or, in more serious cases, ongoing care. If they die, it may also compensate their relatives. Third parties can include other drivers, passengers, pedestrians, motorcyclists, and cyclists.

CTP doesn’t cover the cost of damage to vehicles or property. For that, you’ll need comprehensive car insurance or third party property damage insurance.

Related article: Understanding car insurance: Comprehensive vs third party vs CTP

How does CTP work across Australia?

CTP insurance is compulsory in all states and territories of Australia, which means you can’t register your vehicle without a CTP policy. But the way it works varies from state to state.

Some states also have different requirements for safety and identity checks needed before registration.

New South Wales

In NSW, car owners can buy their CTP insurance – or CTP green slip – from six licensed insurers,1 including QBE. You need to buy CTP before registering a vehicle.

All CTP insurance policies have the same level of protection, but some insurers may offer additional cover. You can compare quotes on the NSW Green Slip Price Check website.

NSW has a ‘no fault’ CTP scheme, which covers all injured people, regardless of fault (unless you’re charged with a serious driving offence).2 You can claim up to 52 weeks of benefits if you’re at fault or mostly at fault.3

Mother talking to children in car on road trip

Queensland

In Queensland, car owners can choose between three insurers licensed to provide CTP insurance, including QBE.4

You can select your insurer at the time of registration, or change your CTP insurer online while the vehicle is registered. The change of insurer will come into effect at the beginning of your next registration period.5

Check out the benefits of switching to QBE CTP.

South Australia

South Australians can choose from five government-approved CTP insurers, including QBE. Select your preferred CTP provider when you renew your registration.

Direct debit customers can change their insurer any time at mySAGOV. This will take effect from the next scheduled payment.6

Simply select QBE if you’d like to switch to QBE CTP insurance.

Australian Capital Territory

In 2020, the ACT introduced a ‘no fault’ CTP scheme called the Motor Accident Injuries Scheme.7

QBE doesn’t provide CTP insurance for vehicles registered in ACT, but you can select from four insurers when you renew your registration.

Related article: Top CTP questions answered

Woman sitting in camper van in forest and using smartphone

How do I get CTP in other states and territories?

Other states include CTP as part of the vehicle registration fee, which means you can’t choose your insurer.

Victoria

The Transport Accident Charge forms part of the registration fee. Once you pay the charge, the Transport Accident Commission (the sole insurer of the scheme) insures your vehicle.8

Western Australia

The Motor Injury Insurance scheme provides CTP as part of vehicle registration. WA’s ‘fault’ scheme only covers catastrophic injuries suffered by an at-fault driver if no other driver is negligent.9

Northern Territory

The NT Motor Accidents Compensation (MAC) scheme is a ‘no fault’ CTP scheme covered by the NT motor registration fee.10

Tasmania

The Motor Accidents Insurance Board provides CTP in Tasmania. It’s a ‘no fault’ scheme covered by the registration fee.11

Learn more about QBE CTP insurance


1 How to buy a Green Slip – SIRA
2 How to buy a Green Slip – SIRA
3 How to buy a Green Slip – SIRA
4 CTP insurers – MAIC
5 CTP insurers – MAIC
6 Purchasing CTP | CTP Insurance Regulator
7 Renewing vehicle registration – Access Canberra
8 Indemnity provided by the transport accident charge – TAC
9 Motor Injury Insurance – Government of WA – Department of Transport
10 About MACC | NT Motor Accidents Compensation Commission
11 About the MAIB – Motor Accidents Insurance Board

Copied
Share

Frequently asked questions

CTP and Green Slips explained in more detail.

CTP insurance is compulsory in all states and territories of Australia, which means you can’t register your vehicle without a policy. It’s separate from any other car insurance policy.

In NSW, QLD, SA and the ACT, you can change CTP insurers when you renew your registration. In QLD, you can also change CTP insurers ahead of your renewal.

Once you’ve taken up the policy, it lasts for the registration period.

Yes, CTP insurance is compulsory for motorbikes, to cover people accidentally injured by bikes.

CTP insurance is compulsory in all states and territories of Australia, which means you can’t register your vehicle without a policy. Driving without CTP and registration is illegal and can result in hefty fines.

Yes. Insurers link CTP to vehicles, not owners, and transfer it along with registration.

CTP doesn’t cover damage to vehicles, property or possessions. For that, you’ll need car insurance. It covers physical injury, but whether it covers you if you’re at fault differs from state to state.

No, comprehensive car insurance doesn’t include CTP.

No, you’ll need a separate car insurance policy to cover vehicle and property theft or damage.

Get a QBE Comprehensive Car Insurance or Third Party Property Damage Car Insurance quote.

Find your CTP provider and registration details below.

This advice is general in nature and has been prepared without taking into account your objectives, financial situation or needs and may not be right for you. You must decide whether or not it is appropriate, in light of your own circumstances, to act on this advice. To decide if QBE’s products are right for you, please ensure you obtain and consider the Policy Wording or Product Disclosure Statements and Target Market Determinations, available online at QBE.com/au. Insurance issued and underwritten by QBE Insurance (Australia) Limited (ABN 78 003 191 035, AFSL 239545).

Related articles

  • Car driving on coastal road

    Understanding car insurance: CTP, comprehensive and third party car cover explained

    25 Oct 2023
    What's the difference between comprehensive car insurance and third party car insurance? QBE explains the key differences and what's covered by each type.
  • CTP

    Top CTP questions answered

    04 Apr 2023
    Confused about CTP insurance and Green Slip? Learn what it is, how it differs to car insurance and have your top CTP questions answered.
  • CTP and Green Slips Explained

    CTP green slip explained: a state by state guide

    06 Apr 2025
    What is CTP insurance? What does CTP cover? Get answers to these questions and more, with links to buy CTP in NSW, Qld, SA and ACT. Read our quick guide today.

Interested in QBE CTP insurance?