• What’s included in the CTP Insurance premium?

    The CTP insurance premium consists of the CTP Insurer component paid to insurers for the policy, and a component for CTP scheme services and administration costs. Find more information on CTP premiums.

  • How are premiums set?

    During the transition period from 1 July 2016 to 30 June 2019, the premium is set in line with the contractual agreement between the CTP Insurers and the Government. You can find more information on CTP premiums.

  • How will premiums be set for policies effective from 1 July 2019?

    Premium ranges for each premium class will be set by the Regulator. CTP Insurers will set their premium prices for each premium class within these ranges. You can find more information on CTP premiums.

  • What does ‘Third Party’ mean?

    There are three parties to CTP claims. The first party is the at-fault owner/driver, the second party is the CTP insurer of the at-fault vehicle and the third party is the injured person.

  • How do I find out who my CTP insurer is?

    You have been allocated to one of four Government-approved CTP Insurers. Find out who your CTP Insurer is.

  • What if I drive an uninsured vehicle?

    It is an offence to drive a vehicle that is unregistered and uninsured for CTP, and you risk incurring penalties. In South Australia, a maximum court penalty of $10,000 applies for driving an uninsured vehicle under Section 102 of the Motor Vehicles Act 1959.

    Penalties as at 1 July 2018:


    Expiation Fee

    (excl. Victims of Crime Levy)

    Maximum Court Penalty







    In addition, if you are at fault in an accident that causes injury to another person and you don’t have CTP insurance, you may be liable to repay the CTP Insurer for the cost of injury claims arising out of the accident (which can cost hundreds of thousands of dollars).

  • What if I have breached the Policy of Insurance?

    View the Policy of Insurance. If an insured person has breached the Policy of Insurance and their conduct has caused an injury, Section 124A of the MV Act gives the CTP Insurer the right to pursue the insured person and potentially recover the costs of injury claims arising out of that accident.

  • What am I not covered for?

    As a rule, you aren’t covered by CTP Insurance if you were the at-fault driver in a motor vehicle accident (exceptions may apply for seriously injured people who are eligible for the Lifetime Support Scheme and for at-fault injured people under 16 years of age).

    View more information about eligibility to make a CTP claim.

  • How are districts set and why are the premiums different?

    Your Insurance Rating District is based on the postcode area in which the vehicle is garaged. There are some divisions within individual postcodes, resulting in suburbs that share the same postcode being allocated to different Insurance Rating Districts.

    The difference in premiums between Insurance Rating Districts 1 and 2 reflects the difference in the number and cost of CTP claims arising from at-fault vehicles, based on garaging addresses.

    Find more information about Insurance Rating Districts and how premiums are set.