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Can I pay my premium monthly?

You can choose to pay monthly, quarterly or annually.

The option to pay monthly or quarterly instalments is not available for policies in NSW, QLD, TAS or the ACT that were last renewed prior to 1 July 2024, or first purchased prior to 21 April 2024 and not yet renewed. It will become available to those policies when they next renew. Excludes travel and business insurance.

For more information read the Premium, Excess and Discount Guides on the policy booklets page.

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The price of your insurance is based on the likelihood of a claim being made on your policy in the future. There are a number of factors we take into account when determining your premium.

We calculate your premium by combining the:

  • Pricing factors (these are different for car and home policies)
  • Policy options
  • Minimum and maximum premium
  • Government charges
  • Any discounts you’re eligible for.

To find out more about how we work out your premium, have a look at our Premium, Excess & Discounts Guide on our policy booklets page.

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Six month NSW CTP Green Slip policies cost more because of an administration fee involved in processing two payments per year rather than one.

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You can pay most premiums with PayPal. Keep in mind that PayPal payments might take a few days to process, so it makes sense to pay your policy a few days before it's due.

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You can usually get a NSW CTP Green Slip policy for 6 or 12 months.

You can also get a 3-month policy if your vehicle:

  • Has a gross vehicle mass (GVM) of more than 4.5 tonnes, or
  • Was registered by a motor dealer for the first time.

If your CTP policy expired more than 21 days ago, you’ll only be able to choose a 12-month policy when renewing.

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If you’ve missed a payment, you can:

It's important to let us know about any payment issues as soon as possible to make sure we’re able to support you. If your payment is overdue, you'll need to pay the overdue amount as part of the claim settlement process. If you don't pay on time, we may cancel your policy.

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