CTP Insurance SA

SA CTP insurance

Vehicle owners in SA pay their CTP insurance as part of the registration fee.

The South Australian compulsory third party (CTP) scheme is a common law fault-based scheme. This means you can claim benefits under the SA CTP scheme if you are injured in a road crash and can prove another driver was at fault. However, drivers who are 25% at fault may have to pay an excess.

The Lifetime Support Scheme (LSS) is for people who suffer serious lifelong disabilities in a car accident. The Lifetime Support Authority (LSA) runs the scheme and funds it with an LSS levy on registration.

SA insurers

Before July 2016, the SA government was the sole provider of CTP insurance.

The CTP Regulator took over from the Motor Accidents Commission (MAC) in July 2016. CTP insurance needed to be regulated because private insurers, rather than the SA government, would provide this compulsory public scheme.

  • For 3 years until July 2019, the scheme allocated each vehicle owner to one provider as part of their vehicle registration.
  • Since July 2019, vehicle owners can choose their insurer and other insurers can apply to enter the market.

The government licensed 4 private insurers to offer CTP insurance in SA. Since 1 July 2022, Youi has also provided CTP insurance in SA.

  • AAMI
  • Allianz
  • QBE
  • NRMA Insurance (was SGIC)
  • Youi

The CTP Regulator provides ratings on each insurer, based on customer surveys of their handling of claims during the previous 6 months.

Vehicle owners can contact the Regulator with any concerns or questions about SA CTP insurance.


The CTP Regulator: www.ctp.sa.gov.au

Phone: 1300 303 558, 9am to 5pm, Mon-Fri

Email: ctp@sa.gov.au

Visit: Level 8, 30 Wakefield Street, Adelaide SA 5000

What do you want to do?

1. Is CTP different to car insurance?

Yes, CTP is different to car insurance. CTP means “compulsory third party” and it provides cover for people who are injured or die in an accident involving your vehicle. It is mandatory insurance. Car insurance is cover for property only, such as comprehensive or third party property insurance, and it is a choice.

2. How do I claim CTP in SA?

To claim on CTP in SA, lodge a claim form with the CTP insurer of the at-fault vehicle in the accident. You must do this within 6 months of the accident. If you do not know the name of the CTP insurer, use the Ezyreg insurer search. You can also contact the CTP Regulator to find out how to make a claim.