If you injure someone in an accident, your CTP Insurance covers the cost of their medical treatment, and any lost income if they’re unable to work.
You’re covered for injuries to your passengers, as well as pedestrians, and the drivers and passengers of other vehicles. CTP also covers accidents caused by other people driving your car.
Importantly, your CTP insurance doesn’t cover your injuries. But you can make a claim on the other driver’s CTP Insurance, if they’re considered partly or completely ‘at fault’.
You can find out more from the CTP Regulator.
Here’s a summary of what’s covered.
Other's people medical expenses
We cover the medical expenses of other people’s injuries from an accident you cause (including your passengers, pedestrians, and other drivers and their passengers.)
Anyone who drives your car
Your CTP Insurance covers you no matter who is driving your car.
Other people's lost income
We cover any lost income if they need to take time off work to recover.
Ridesharing
You’re covered if you drive for a ridesharing service, like Uber.
Your medical expenses
To cover your medical expenses, you need to make a claim on the other driver’s CTP Insurance. (See how to make a CTP Insurance claim.)
Vehicles and property
Damage to your vehicle, other people’s vehicles and property is covered by our other car insurance1.
Protect your vehicle as well with our Comprehensive insurance options
You can nominate NRMA Insurance as your preferred CTP insurer
Want to know more about CTP claims? We can help
Your premium is shown on your registration notice. Learn more about CTP Insurance premiums.
You must choose your CTP insurer from the list of SA Government-approved insurers, including NRMA Insurance. You can also nominate us as your preferred CTP insurer before your rego is due.
If you make us your preferred insurer, we'll appear at the top of the list of insurers when your rego arrives.
It only takes a few minutes to nominate us online, and you'll be ready to go the next time you renew your CTP insurance.
If you need to make a CTP claim in South Australia, we’ve outlined the steps to take on our CTP claims page.
Note that anyone who's injured in an accident can make a claim. That includes drivers, motorcyclists, cyclists, passengers or pedestrians. However, if you as a driver are deemed to be solely ‘at fault’ in an accident, your injuries are not covered.
CTP Insurance and Comprehensive Car Insurance are different.
You need to have CTP Insurance in South Australia to register your vehicle and use it on the road.
Comprehensive Car Insurance is optional and covers certain things that your CTP Insurance doesn’t. It covers your car for accidental damage, collision or crash, severe weather, theft, vandalism or malicious acts. Our Comprehensive Car Insurance also covers the extras on your car like alloy wheels, sunroofs and custom sound systems.
For full details including limits, conditions and exclusions, read the policy documents.
CTP Insurance is always linked to your vehicle. So if you sell it, your vehicle’s CTP Insurance will be transferred to the new owner.
Compulsory Third Party (CTP) Green Slip is mandatory for NSW motorists. You need CTP before you can register your vehicle.
MAI Insurance pays for medical treatment for anyone who needs it after they’re injured in a road accident. You need MAI Insurance before you can register your vehicle.
Insurance (except Travel sold in NSW, QLD, ACT, and TAS, Life and Income Protection) issued by Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. NRMA Insurance is part of the Insurance Australia Group. Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW (can’t assist with enquiries at this address). When making decisions about our insurance, consider the Product Disclosure Statement and Target Market Determinations.
