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CTP Insurance

Looking for Compulsory Third Party (CTP) Insurance in NSW or SA, or for MAI Insurance in the ACT? You can get a quote or renew your policy today

Looking for CTP Insurance in your state or territory?

Compulsory Third Party (CTP) Green Slip is mandatory for NSW motorists. You need CTP before you can register your vehicle.

MAI Insurance pays for medical treatment for anyone who needs it after they’re injured in a road accident. You need MAI Insurance before you can register your vehicle.

Cover for people you injure if you cause an accident on the road, purchased when you renew your registration in SA. You can nominate us as your preferred CTP insurer when you renew your registration.

What is CTP Insurance?

You need Compulsory Third Party (CTP) Insurance in New South Wales and South Australia to register your vehicle. If you’re in the Australian Capital Territory, you’ll know it as MAI Insurance. 

If you injure someone in an accident, your CTP (or MAI) Insurance covers the cost of the injured person’s medical treatment, and any lost income if they’re unable to work.

You’re covered for injuries to your passengers, as well as pedestrians, and the drivers and passengers of other vehicles. 

Your CTP Insurance won’t cover your own injuries, but if the other driver is considered partly or completely ‘at fault’, you can make a claim on their CTP Insurance.

Which types of vehicles can be covered with CTP Insurance?

Cars

Motorcycles and scooters

Vans

Trucks

Utes

Why choose NRMA CTP Insurance?

Dedicated claims team

Our dedicated consultants can help you through your claim

Cover for lost income

We cover part of your lost income if you need time off work to recover - even if you're at fault

One-stop shop

You can add more cover for your vehicle with a Comprehensive or Third party insurance policy

FAQs

CTP Insurance FAQs

Can I register my car without getting CTP Insurance?

In NSW, you need to get CTP Insurance before you can register your vehicle.

In SA and the ACT, your CTP Insurance or MAI Insurance is included in the total registration fee you pay when you register your vehicle.

Do I need both CTP Insurance and Comprehensive Car Insurance?

CTP Insurance and Comprehensive Car Insurance are different.

You need CTP Insurance in New South Wales and South Australia before you can register your vehicle and use it on the road.

Comprehensive Car Insurance is optional and covers certain things that your CTP Insurance doesn’t. It covers your car for accidental damage, collision or crash, severe weather, theft, vandalism or malicious acts. Our Comprehensive Car Insurance also covers the extras on your car like alloy wheels, sunroofs and custom sound systems.

For full details including limits, conditions and exclusions, read the policy documents.

When can I change CTP insurers?

You have the option to change your CTP insurer when it's time to renew your CTP Insurance policy (also known as your Green Slip if you're in NSW).

Do I need to list a learner driver on my CTP Insurance policy?

No, there’s no need to list learner drivers on your CTP Insurance policy.

What does CTP Insurance cover?

A CTP Insurance policy covers costs like medical treatment and lost income for people who have been injured in a road accident.

CTP Insurance can vary by state or territory, as well as by policy, so make sure to read your policy documents for more information on what is and isn’t covered by your policy.

Learn more about CTP Insurance

The NRMA Insurance blog is your home for helpful guides and information.

  • 04 March, 2025
    On the road | NRMA Insurance Blog

    Why do I need CTP Insurance?

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  • 17 March, 2025
    On the road | NRMA Insurance Blog

    How CTP works in Australia: a guide for each state and territory

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  • 20 March, 2025
    On the road | NRMA Insurance Blog

    How to renew Green Slip insurance in NSW

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