CTP and Green Slips explained

There’s a lot of confusion around Compulsory Third Party (CTP) insurance. Find out how it works and why you need it.

CTP insurance (known as a Green Slip 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 compensate their relatives.

Third parties who could claim against you include your passengers and other road users such as pedestrians, motorcyclists, cyclists, other drivers and their passengers.

In NSW, CTP also provides cover for the driver of a motor vehicle (unless they are charged with a serious driving offence). The extent of the cover will depend on a number of factors, refer to the State Insurance Regulatory Authority for more information.

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.

Why do I need it?

If you own a car it’s a legal requirement, alongside your registration. If you’re caught without CTP and registration you could face a heavy fine.

How do I get it?

Across most of the country your CTP is included in your registration fee, but in New South Wales, Queensland and South Australia you have a choice about which insurer to go with.

  • NSW: you need to get your CTP before you register your car.
  • Queensland and South Australia: you nominate your CTP provider when you register your car.

How do I switch to QBE?

If you live in New South Wales, either buy your Green Slip online, or call us on 133 723. If you’re over 30 with zero demerits you’ll get our best price.

If you live in Queensland or South Australia, simply select us when you get your registration.

In Queensland, if your rego isn’t due yet you can select us ahead of time and you’ll automatically switch to QBE when you renew.


This article was originally published in December 2019 and has been updated.

The advice on this website is general in nature and has been prepared without taking into account your objectives, financial situation or needs. You must decide whether or not it is appropriate, in light of your own circumstances, to act on this advice. You should ensure you obtain and consider the Policy Wording or Product Disclosure Statement and Target Market Determination for the policy before you make any decision to buy it.

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