The CTP Insurance Scheme (the Scheme) includes:

  • a CTP Regulator that regulates the Scheme, including CTP Insurers, for the benefit of road users
  • the Department of Planning, Transport and Infrastructure issuing CTP insurance renewal notices and providing premium collection services as part of the motor vehicle registration process
  • the ability for motor vehicle owners to choose their CTP Insurer for registration renewals due on or after 1 July 2019, based on price and service.

See more information on the Competition Scheme.

How is the SA CTP Scheme structured?

In 2015, the South Australian Government announced a market-based model for the private insurance sector to provide CTP insurance from 1 July 2016. After a rigorous process, four private insurers (CTP Insurers) were approved by the Government to provide CTP insurance. AAMI, Allianz, QBE and SGIC now underwrite the Scheme and manage the claims against their policies of insurance. The CTP Regulator was established to oversee and regulate the policies and coverage of each CTP Insurer.

Find out more about the Regulator’s role.

Lifetime Support Scheme

The CTP Scheme works in conjunction with the Lifetime Support Scheme (LSS). The LSS is a no-fault scheme which provides treatment, care and support for people who have sustained very serious lifelong injuries in motor vehicle accidents in South Australia. The LSS is administered by the Lifetime Support Authority (LSA) under the Motor Vehicle Accidents (Lifetime Support Scheme) Act 2013.

See more information on the LSS.