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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.

Australia’s Most Trusted Insurance Brand 2022, 2023, 2024 and 2025 Roy Morgan Most Trusted Brand Awards

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CTP Green Slip Insurance (NSW)
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MAI Insurance (ACT)
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Compulsory Third Party (CTP) Insurance SA
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100 years of help

With a century of experience, we know how to protect the things you care about.

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.

Insurance

What does NRMA CTP Insurance cover?

The following are included for anyone driving your vehicle:

  • Your medical expenses
    We cover your medical expenses from an accident you cause, regardless of fault.

  • Lost income
    We cover part of your income if you need time off work to recover.

  • Ridesharing
    We cover injuries from an accident while providing ridesharing services.

  • Other people's medical expenses
    We cover other people’s injuries from an accident you cause (including your passengers, other drivers and pedestrians).

Learn more about CTP Green Slip Insurance NSW.

  • Other people's medical expenses
    We cover the medical expenses of other people’s injuries from an accident you cause (including your passengers, pedestrians, and other drivers and their passengers).

  • Anyone who drives your vehicle
    Your CTP Insurance covers you no matter who is driving your vehicle.

  • Other people's lost income
    We cover any lost income if they need to take time off work to recover.

  • Ridesharing
    You’re covered if you drive for a ridesharing service, like Uber.

Learn more about Compulsory Third Party Insurance SA.

  • Road accidents
    Covers you for road accidents that happen from 1 February 2020.

  • Injuries
    Covers injuries to others but doesn’t cover damage to your vehicle, other vehicles, or property.

  • Medical treatment
    MAI Insurance pays for medical treatment for anyone who needs it after they’re injured in a road accident.

Learn more about MAI Insurance ACT.

Examples of vehicles that may 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 (currently available for NSW CTP Insurance only).

One-stop shop

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

Join an award-winning insurance provider

Roy Morgan named NRMA Insurance Australia's Most Trusted Insurance Brand four years in a row, from 2022 to 2025.

It's recognition we're proud of, and we work hard to live up to it every day.

FAQs

CTP Insurance FAQs

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.

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.

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).

You need to list the date of birth for a learner driver on your CTP Insurance policy, if they are the youngest driver.

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.

Stats that prove we’re here to help

#1 Australia's most trusted insurance brand, four years in a row.

Find out why more cars in NSW have a CTP Green Slip with us, compared to any other provider.^

^Based on NSW CTP monthly market share reports as at 27 July 2026 – greenslips.com.au.

100+ years helping Australian motorists.

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?

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

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

    Read more
    Guide Insurance
  • 05 August, 2026
    On the road | NRMA Insurance Blog

    How to renew CTP insurance in NSW

    Read more
    Guide Insurance

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