In South Australia, you pay for CTP insurance at the same time as you renew a vehicle registration.

Each time you renew the registration, you can choose from any of the CTP Insurers. Each insurer offers the same Policy of Insurance, but insurers can compete based on price, service, and incentives.

Direct debit

If you pay your registration via direct debit, you can choose a CTP Insurer by logging into your mySAGOV account. Select the vehicle and click ‘Update/Cancel direct debit’.

The change of insurer will take effect with the next scheduled payment.

CTP for brand new vehicles

When you buy a brand new vehicle, it will automatically be allocated to a CTP Insurer at the lowest premium price for that type of vehicle.

If you register the vehicle for three months, you can change to another insurer when you renew the registration.

If the initial registration is for more than three months, you can change insurers five days after the registration starts. You have up to three months to make this change. You can change insurers in your mySAGOV account, or by contacting Service SA.

If you change your insurer, there are no additional charges, or changes to your premium.

Read CTP insurance for brand new vehicles for more information.

CTP for second-hand vehicles

When you buy a secondhand vehicle, you take over its remaining registration and CTP insurance. You can choose a different CTP Insurer when you renew the registration.