CTP Insurance SA
SA CTP insurance
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. Meanwhile, 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 car accidents. The Lifetime Support Authority (LSA) runs the scheme and funds it with an LSS levy on registration.
Vehicle owners in SA pay their CTP insurance as part of the registration fee.
Before July 2016, the SA government provided CTP. After that the government licensed four private insurers to offer CTP insurance in SA:
For 3 years until July 2019, the scheme allocates each vehicle owner to one provider as part of their vehicle registration. After July 2019, they can choose a different insurer and new insurers may also apply to enter the market. The CTP Regulator now provides ratings on each insurer, based on customer surveys of their handling of claims during the previous 6 months.
The CTP Regulator took over from the Motor Accidents Commission (MAC) in July 2016. It regulates CTP insurance because private insurers, rather than the SA government, provide this compulsory public scheme. It will:
- Make sure CTP insurers meet standards, such as for claims and dispute resolution
- Set a minimum and maximum allowable premium
- Set terms and conditions for CTP policies
- Tell consumers about the scheme
- Recommend any new insurer to the Minister.
Finally, vehicle owners can contact the Regulator with any concerns or questions about SA CTP insurance.
The CTP Regulator: ctp.sa.gov.au
Phone: 1300 303 558 9am to 5pm, Mon-Fri
Visit: Level 8, Wakefield House, 30 Wakefield Street, Adelaide SA 5000