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Compulsory Third Party Insurance

CONNECT - Message from the Chief Executive

6 June 2016

What compulsory third party insurance is

Compulsory Third Party (CTP) insurance is paid at the same time as you pay your motor vehicle registration. Just as registration of your vehicle is compulsory, so is CTP insurance.

Importantly, CTP Insurance provides compensation in respect of death or bodily injury caused by or arising out of the use of a motor vehicle where the driver or owner of a South Australian registered vehicle is at fault.

By paying your CTP premium you are protecting yourself from potentially being liable for damages if you cause injury or death to other road users.

Serious injuries can cost many hundreds of thousands in rehabilitation and medical costs so it is important that you as a driver or owner are protected from having to personally cover these expenses.

From 1 July 2016, four well-known private insurers will commence provision of CTP Insurance in South Australia.

South Australian registered vehicles will be automatically allocated to one of the four approved insurers - AAMI, Allianz Australia Insurance Limited, QBE Insurance (Australia) Limited and SGIC.

More information about CTP is available at

Who is covered and compensated

The provider of CTP insurance in South Australia is changing, but rest assured, your cover stays the same.

There is no advantage to being with any particular insurer.  The cover and price of insurance is the same and the entitlement to compensation you may receive, should you be injured and have an eligible claim, will also be the same regardless of your insurer.

Making a claim

If you have been injured in a vehicle crash and intend to make a claim, contact the approved CTP Insurance provider.  If you are not sure who that may be, contact the CTP Insurance Support Helpline and an enquiries consultant will be able to assist.