CTP Insurance

The registered driver or another driver of the motor vehicle for personal injuries caused to any person in an at-fault accident 

NSW CTP prices are set by insurers, but are governed and approved by the NSW State Insurance Regulatory Authority (SIRA). Various rating factors help determine the price. SIRA sets the vehicle class and rating zone, whilst insurers apply other rating factors such as the age of the driver; age of the vehicle; motor insurance and driving history. Premiums are also impacted by CTP claims experience.

There are two (2) kinds of premiums applicable to all CTP policies. One for GST registered businesses that are entitled to claim an Input Tax Credit (ITC) on the Green Slip, plus another for people who are not. Your Green Slip indicates the premium you have been offered.

If you are a GST registered business you will need to confirm with your financial advisor or accountant whether anyone is eligible to claim an (ITC) for your CTP policy premium. If anyone is entitled to claim an ITC you will need to advise us prior to paying your CTP premium.

• Report the accident to the Police in writing
• Identify the vehicle at fault
• Call 1300 656 919 to find out the Green Slip insurer of the vehicle at fault
• Obtain a claim form from that insurer
• Lodge the claim within six months

In NSW, a vehicle inspection is required for vehicles that are more than 5 years old. The vehicle must be taken to an authorised inspection station to obtain a roadworthy certificate, otherwise known as a pink slip or E-safety check. Your registration papers will indicate if a vehicle inspection is required.

A blue slip is an unregistered vehicle safety inspection report in NSW. It proves that a vehicle has passed the required roadworthiness, design and identity tests. It is used to establish an unregistered vehicle’s registration and when an interstate vehicle is registered for the first time.

Compulsory Third Party (CTP) Personal Injury insurance is compulsory when registering a motor vehicle in NSW. You are not covered for CTP if your car is not registered. You may be personally liable for any injuries you cause in a motor vehicle accident if it is driven whilst not registered and without CTP cover.

To buy a new Green Slip you simply need to provide us with two (2) pieces of information to help us identify you and your vehicle. These details are located on your RMS registration papers.

We use this information to retrieve your registration details from RMS, saving you time and ensuring that the correct CTP premium is calculated, providing the information is correct.

1. You will need the listed information to buy a CTP Green Slip policy, however if you don’t have it we can provide you with a quote.
2. You need to make sure the details listed with RMS are correct. Contact RMS to make any changes on 13 22 13 before arranging/paying your CTP Green Slip.
3. You no longer need to provide RMS with a hardcopy of your CTP Green Slip. Confirmation is sent electronically to RMS immediately on receipt of payment.

The changes will benefit you in three ways:

1. Less information will have to be provided to purchase a new Green Slip
2. Your CTP details will be sent to Roads and Maritime Services (RMS) immediately so that you can register your vehicle straight away. This will include first time registrations that currently require a hard copy CTP receipt to be presented.
3. Ensuring you are charged the correct premium. Your premium will be based on the registration details retrieved by RMS.

You will be required to provide two (2) pieces of information to assist us in identifying you and your vehicle. The details can easily be located on your RMS registration papers, so make sure you have them handy.

Make sure the details showing on your regisration papers are corect. If they are not correct you may be charged the incorrect CTP Premium. If any of your registration details requrie updating please contact RMS on 13 22 13 prior to purchasing Green Slip. CTP insurers won't be able to update them for you.

If a Green Slip is being purchased to renew your vehicle's registration, you will need:

1. Your RMS Billing Number and
2. Your Plate Number

If a Green Slip is being purchased to start a new reigstration, you will need:

1. The vehicle's VIN, Engline and/or Chassis Number and
2. The NSW Driver on Rider Licence, NSW Photocard Number or RMS Customer Number of the registered operator

If you want to purchase a Green Slip to renew your vehicle’s registration, you will need:

1. Your Plate Number and
2. The NSW Driver or Rider Licence, NSW Photocard Number or RMS Customer Number of the registered operator

Note that, if the vehicle is registered in the name of a company, the only identifier that can be provided is the RMS Customer Number.

You can provide your VIN Number, Engine Number or Chassis Number.

You will still be able to obtain a Green Slip quote if you don’t have the required identifiers, but you will not be able to purchase a policy.

If the vehicle has only recently been acquired, please ensure that you have completed the change of ownership with RMS at https://www.service.nsw.gov.au or a Green Slip may not be able to be purchased.

Yes, your CTP details will be sent electronically to RMS immediately for both new and existing registrations, removing the need to provide RMS with a hard copy Green Slip or receipt.

If you have just moved to NSW and your vehicle is still registered interstate, you will still be able to purchase a Green Slip to establish your registration by providing a vehicle identifier.

If you have just moved from interstate or overseas and have bought a vehicle that is registered in NSW, you should ensure that the registration has been transferred into your name prior to purchasing a CTP policy. Failure to do so could mean you will be unable to purchase a policy.

No, there are no changes to your benefits under the Compulsory Third Party Personal Injury Insurance Scheme.

You will receive a renewal invitation 4 to 6 weeks prior to expiry.

Quotes from other websites, including the State Insurance Regulatory Authority’s Green Slip Calculator, are estimates based on information provided by you. Our Green Slip quote uses information held by RMS. Quotes may not match if they are based on different information.

If you would like to provide us with any feedback or make a complaint, visit AAMI's Dispute Resolution page, which includes contact details and information on our 3 step complaint handling process.

(If you do not think the matter has been resolved, you can ask the State Insurance Regulatory Authority for help - www.sira.nsw.gov.au or by calling 1300 137 131) 

If you are injured in an accident in Australia, caused by a driver whose car is registered in NSW, you can claim against their CTP (Green Slip) insurance.

• Report the accident to the Police
• Identify the vehicle at fault
• Call 1300 656 919 to find out the Green Slip insurer of the vehicle at fault
• Accident Notification Form (ANF) must be lodged within 28 days

When a claim form arrives at our office, we lodge a claim, give it a claim number, and assign it to one of our specialised Claims advisors who will look after your claim. Their name and direct phone number will be on the letter that comes with the information folder provided to CTP claimants. Our claims staff are encouraged to maintain open communication with you at all times. They can answer any questions you have about your claim - please feel free to contact them.

With all claims, we need to make sure that it was the vehicle our company insures that caused the accident and that your injuries or any economic loss were caused as a result of this same accident. We ordinarily need to collect information from you, the person we insure, any witnesses, your employer, your doctor(s) and the Police. Sometimes accident circumstances are not very straight forward and collecting all of this information can take time.  

The following are a few items to be aware of during your CTP claim:

• Under the guidelines set out by the CTP scheme, compensation for pain and suffering can only be made to injured people who have received a serious and permanent impairment. Naturally, any ongoing disability of this nature must be confirmed by medical specialists.
• Your claim will only go to court if we cannot agree on your settlement amount, if you are not satisfied with the outcomes from the SIRA dispute resolution process or if your claim has been denied.
• If you have appointed a solicitor, the solicitor then acts on your behalf in negotiations with us. It might then be considered unfair if we talk with you after you have engaged their services. Therefore in this situation, if you call us, we may only be able to give you limited information and we will refer you back to your solicitor.
• The choice of doctor is completely your own. Your own doctor might refer you on to other specialists - but the choice of whom you attend remains entirely yours.
• If we confirm our driver was at fault, you will be covered for all reasonable medical treatment for the injuries you received in the accident. According to your individual circumstances, you may also be covered for; loss of wages, care services, travel, and pain and suffering.
• Reasonable and necessary medical expenses are expenses related to your accident that have been recommended by your GP or medical specialist. Once we have confirmed that the vehicle we insure was at fault, we will pay these expenses for you.
• We will pay for chiropractic or Physiotherapy treatment if it has been recommended by your doctor. We might pay for other therapies, but you will need to consult with us. As is the case with any therapy you receive, your therapist has to provide us with a plan of the treatment they intend to provide. Please forward the referral for our consideration.

Your claim can be finalised when:

• your injuries have healed, or reached a stage where they have stabilised
• an appropriate treatment programme, if you need it, has been set out
• the impact the injuries have on you has been determined - for example the loss of wages.

At this time, you can start to discuss the settlement of your claim. Once we have agreed to a settlement amount, we will send you a Claims Finalisation Agreement, also known as a Deed of Release. The purpose of this document is to formalise the agreement we have made together. It is a legally binding document so you should read it carefully before you sign it and consider seeking legal advice. It will contain the settlement figure - this figure will include any money we have already spent on your claim and any future costs we agreed upon.

Once your claim is finalised, the AAMI CTP claim process will come to an end. AAMI has responsibilities to you and to the CTP scheme stakeholders to ensure claims are settled promptly and fairly.

In NSW, a vehicle inspection is required for vehicles that are more than 5 years old. The vehicle must be taken to an authorised inspection station to obtain a roadworthy certificate, otherwise known as a pink slip or E-safety check. Your registration papers will indicate if a vehicle inspection is required.

Get an online quote now

A blue slip is an unregistered vehicle safety inspection report in NSW. It proves that a vehicle has passed the required roadworthiness, design and identity tests. It is used to establish an unregistered vehicle’s registration and when an interstate vehicle is registered for the first time.

Get an online quote now

There a two main reasons for cancelling your CTP:

1. If your vehicle is de-registered (which may be due to theft, total loss or moving interstate), you may be entitled to a pro-rata refund of your CTP premium. The RMS will issue you with a cancellation letter after the registration is cancelled. Have the RMS cancellation letter or interstate registry receipt and registration certificate with you when you call AAMI on 13 22 44 to organise a refund of your CTP premium.
2. If you paid for your CTP and have not used the Green Slip to register your vehicle, you may be entitled to a refund. Please call 13 22 44 for information about how to receive a refund for your CTP premium.

CTP insurance provides limited cover for injuries sustained by the driver who causes a motor accident. Anyone injured in a motor accident, including the driver, may be entitled to claim up to $5,000 in cover using the Accident Notification Form (ANF) . This applies to medical expenses and/or lost earnings incurred within 6 months of the motor accident. If the injuries of the driver at fault are deemed to be catastrophic, the driver may be covered under the Lifetime Care and Support (LTCS) scheme. Please note: ANF Form needs to be lodged within 28 days of the accident.

Your CTP insurance cover is predominantly for other road users who are injured. This includes the driver of the vehicle that is not at fault, passengers in any vehicle, and pedestrians.

A product disclosure statement (PDS) is not required for CTP insurance, and your CTP cover is set out in NSW legislation. As such, the CTP cover provided by all insurers is exactly the same. You can access additional information about CTP insurance from the following website: www.sira.nsw.gov.au

Provided your Trailer or Caravan is in a roadworthy condition, it is covered by CTP insurance when being towed by a registered vehicle.

Further info

NSW CTP prices are set by insurers, but are governed and approved by the NSW State Insurance Regulatory Authority (SIRA). Various rating factors help determine the price. SIRA sets the vehicle class and rating zone, whilst insurers apply other rating factors such as the age of the driver; age of the vehicle; motor insurance and driving history. Premiums are also impacted by CTP claims experience.  

There are two (2) kinds of premiums applicable to all CTP policies. One for GST registered businesses that are entitled to claim an Input Tax Credit (ITC) on the Green Slip, plus another for people who are not. Your Green Slip indicates the premium you have been offered.

If you are a GST registered business you will need to confirm with your financial advisor or accountant whether anyone is eligible to claim an (ITC) for your CTP policy premium. If anyone is entitled to claim an ITC you will need to advise us prior to paying your CTP premium.

More info

The CTP scheme in NSW includes two independent bodies within the NSW State Insurance Regulatory Authority SIRA (formally known as the Motor Accidents Authority or MAA) to deal with disputes - their aim is to offer a quick, low cost and fair alternative to the court system.

For consumer appeals regarding NSW Compulsory Third Party (CTP) Personal Injury Insurance you can appeal to the NSW State Insurance Regulatory Authority SIRA (formally known as the Motor Accidents Authority or MAA).

You can contact the SIRA on 1300 656 919 or at mailto:motor@sira.nsw.gov.au or in writing to Manager, Insurer Licensing & Performance, State Insurance Regulatory Authority, Level 25, George Street, Sydney NSW 2000. You can also visit the SIRA website at www.sira.nsw.gov.au

The Medical Assessment Service (MAS) is made up of an independent panel who are able to make decisions on disputes in relation to the treatment and stabilisation of your injury.

Claims Assessment and Resolution Service (CARS) is a panel made up of independent legal experts who are empowered to make decisions on disputes concerning the amount of a claim. A claim cannot be taken to court unless it has first been referred for an assessment by CARS

If you are injured in an accident in Australia, caused by a driver whose car is registered in NSW, you can claim against their CTP (Green Slip) insurance.

• Report the accident to the Police
• Identify the vehicle at fault
• Call 1300 656 919 to find out the Green Slip insurer of the vehicle at fault
• Obtain a claim form from that insurer
• Lodge the claim within six months.

Compulsory Third Party (CTP) Personal Injury insurance is compulsory when registering a motor vehicle in ACT. You are not covered for CTP if your car is not registered. You may be personally liable for any injuries you cause in a motor vehicle accident if it is driven whilst not registered and without CTP cover.

Claim over the phone

Our professional Claims consultants are available between 8.00am and 5.00pm, Monday to Friday to assist you in making your claim over the phone.

Call 13 22 44 and ask for CTP claims.

Claim by Mail

You can post the completed MANF form to

GPO Box 706, CANBERRA ACT. 2601

Claim by Email

You can email the completed MANF form to

actctpiclaims@aami.com.au

When a claim form arrives at our office, we lodge a claim, give it a claim number, and assign it to one of our specialised Claims advisors who will look after your claim. Their name and direct phone number will be on the letter that comes with the information folder provided to CTP claimants. Our claims staff are encouraged to maintain open communication with you at all times. They can answer any questions you have about your claim - please feel free to contact them.

If you are injured in an accident in Australia, caused by a driver whose car is registered in ACT, you can claim against their CTP insurance.

With all claims, we need to make sure that it was the vehicle our company insures that caused the accident and that your injuries or any economic loss were caused as a result of this same accident. We ordinarily need to collect information from you as a third party, our insured, any witnesses, your employer, your doctor(s) and the Police. Sometimes accident circumstances are not very straight forward and collecting all of this information can take time.

A Product Disclosure Statement (PDS) is not required for CTP products, as CTP cover is set out in ACT legislation. As such, the CTP cover provided by all insurers is exactly the same. You can access additional information about CTP insurance from the following website: http://apps.treasury.act.gov.au/compulsorytpi/faq

If you would like to raise a dispute, please visit the Dispute Resolution page.