CTP and Green Slips explained: a state by state guide
This article was originally published in December 2019 and has been updated.
- CTP insurance is mandatory in Australia
- CTP covers the cost of compensation claims of injury to others
- How CTP is managed differs from state to state.
There can be confusion around Compulsory Third Party (CTP) insurance, how it works and what it covers. Here’s what you need to know.
If you own a vehicle in Australia, you need Compulsory Third Party (CTP) insurance. CTP insurance (known as a Green Slip insurance in New South Wales) covers the cost of third-party compensation claims if you, or anyone driving your car, causes an accident in which someone else is injured.
Your CTP covers the cost of the injured person’s medical treatment, lost earnings or, in more serious cases, ongoing care. If they’re killed it may also compensate their relatives. Third parties include your passengers and other road users such as pedestrians, motorcyclists, cyclists, other drivers and their passengers.
CTP doesn’t cover the cost of damage to anyone else’s car or property, or your car. For that you’ll need car insurance.
How does CTP work in Australia?
CTP insurance is compulsory in all states of Australia, which means you can’t register your vehicle without having a policy in place. However, the way CTP works differs from state to state. States also have different requirements for safety and identity checks needed before registration.
How do I get CTP in New South Wales (NSW)?
In NSW, vehicle owners have the choice of buying their CTP insurance – or Green Slip – from six licensed insurers1 (including QBE) and need to purchase CTP before registering a vehicle.
All CTP insurance policies have the same level of protection – although some insurers may offer additional cover. You can use the NSW Green Slip Check website to compare quotes.
NSW has a ‘no fault’ CTP scheme, which covers all injured people regardless of fault (unless you are charged with a serious driving offence1). This means, you can claim up to 26 weeks of benefits if you are at fault or mostly at fault1.
If you’d like to switch to QBE’s CTP insurance, simply visit our website or call us on 133 723 before you renew your registration to get a quote and purchase a policy.
How do I get CTP in Queensland (QLD)?
In QLD, vehicle owners have the choice of four insurers (including QBE) that are licensed to provide CTP insurance in the state2– you simply need to select your preferred insurer at the time of registration.
You can nominate to change your CTP insurer online at any time the vehicle is registered, however the change of insurer will come into effect at the beginning of the next registration renewal2.
Check out the benefits of switching to QBE’s CTP.
How do I get CTP in South Australia (SA)?
Since 2019, South Australians have been able to choose their CTP provider, with a government-approved panel of four CTP insurers (including QBE) to select from.
In SA, you pay for your CTP at the same time as your registration renewal, and you select your preferred CTP provider at the time.
Direct-debit customers can update their preferred insurer at any time by logging on to MySA GOV; the change of insurer will be effective from the next scheduled payment3.
Simply select QBE If you’d like to switch to QBE’s CTP insurance.
How do I get CTP in the Australian Capital Territory (ACT)?
A new ‘no fault’ CTP scheme4 – called the Motor Accident Injuries Scheme – came into effect in the ACT in 2020.
QBE doesn’t provide CTP insurance for vehicles registered in ACT but you can select from four insurers when you are renewing your registration.
How do I get CTP in the other states and territories of Australia?
In other states, CTP is included as part of the vehicle registration fee, and vehicle owners have no choice of insurer.
Victoria: The Transport Accident Charge forms part of the registration fee. Once the charge is paid, the vehicle is considered to be insured by the Transport Accident Commission, which is the sole insurer of the scheme5.
Western Australia (WA): In WA, the Motor Injury Insurance Scheme provides CTP within the vehicle registration. Here it’s a ‘fault’ scheme, however it does cover catastrophic injuries suffered by an at-fault driver if no other driver is negligent6.
Northern Territory (NT): The NT Motor Accidents Compensation scheme is a ‘no fault’ CTP scheme that is included in the NT motor registration fee7.
Tasmania: CTP is provided by the Motor Accidents Insurance Board – it’s a ‘no fault’ scheme that is included as part of the registration fee8.
Do I need CTP insurance to register my car?CTP insurance is compulsory in all states of Australia, which means you can’t register your vehicle without having a policy in place. It is separate from any other car insurance policy.
When am I able to change CTP insurers?
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 period of registration.
Do trailers and caravans need a separate CTP policy?
No, trailers and caravans don’t need CTP.
Do motorbikes need a CTP policy?
Yes, CTP insurance is compulsory for motorbikes. CTP is mandatory insurance that covers people injured by your bike because of an accident.
What happens if I don’t have CTP?
CTP insurance is compulsory in all states of Australia, which means you can’t register your vehicle without having a policy in place. Driving without CTP and registration can result in hefty fines.
Does CTP insurance transfer with registration?
Yes. CTP is linked to the vehicle, not the owner, so the policy will be transferred along with the registration.
What’s not covered by CTP?
CTP covers physical injury, however whether it covers you if you’re at fault differs from state to state. It doesn’t cover damage to vehicles, property or possessions. For that you’ll need car insurance.
Does comprehensive car insurance include CTP?
No, comprehensive car insurance doesn’t include CTP.
Does CTP cover theft?
CTP insurance does not cover damage to property, damage to vehicles or theft. You need a separate car insurance policy to cover damage to (and theft of) vehicles, damage to property and loss of possessions, among other things.
Who is my CTP insurer?
- In NSW you can look up your CTP provider at Service NSW
- In South Australia, visit EzyReg
- If you’re in Queensland, visit the Queensland Government’s website
- In the ACT, visit the Access Canberra site.