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.
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.
- NRMA Insurance (was SGIC)
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
Visit: Level 8, 30 Wakefield Street, Adelaide SA 5000