• 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?

    Premium ranges for each premium class are set by the Regulator. CTP Insurers set their premium prices within these ranges. Find more information on CTP premiums.

  • Why is the scheme changing from 1 July 2019?

    The Government introduced a market-based CTP insurance model in July 2016. From 1 July 2019 you have the power to choose your CTP Insurer. The insurers will continue to offer the same product, but can compete for your business on price and service. The changes are also designed to:

    • make the choice of CTP Insurer easy for motor vehicle owners, and
    • keep CTP premiums fair and equitable for motor vehicle owners.

    See more information about changes to the CTP scheme.

  • Why can I only choose from four CTP Insurers?

    AAMI, Allianz, QBE, and SGIC are the four insurers that applied and were approved by the Government to provide CTP insurance in South Australia.

    These insurers applied to become approved by the Minister under Section 101A of the Motor Vehicles Act 1959 (SA) and they must comply with strict legislative obligations. They must also uphold standards of service set by the Regulator Rules.

    See more information on CTP Insurers.

  • Why are premiums with an Input Tax Credit entitlement higher?

    CTP premiums are treated differently for tax purposes depending upon the motor vehicle owner’s ITC entitlement. You can claim ITC for the GST portion of your premium to offset the price differential.

    Read more about how Goods and Services Tax and ITC affect your CTP premium.

  • 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.

  • What’s changing with the premium class for Rideshare vehicles from 1 July 2019?

    The CTP Regulator is introducing a new premium class for rideshare vehicles in South Australia, which will come into effect from 1 July 2019.