CTP and Green Slip Insurance

Compare policies and learn how to save on your CTP car insurance.


Fact checked
Stop sign

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!

Compulsory third party (CTP) car insurance, sometimes known as a green slip, protects you from legal and medical costs arising from injuries and deaths caused by car accidents. CTP insurance is compulsory in Australia. You cannot register your vehicle without it. There are currently only 7 companies that offer CTP insurance. The only real difference between them is how much they cost and whether they'll cover your own injuries if you're at fault.

Who offers CTP and green slip insurance and how much does it cost?

Choosing a provider is easy because only five insurance companies in Australia are licensed to provide CTP insurance. Of these, three have the option of additional at-fault cover.

We used the Australian government's tool and found that the costs for CTP in NSW can differ by a few hundred dollars. We based these costs on a safe driver born in 1985 .

InsurerOffers At-Fault Cover?Yearly cost
AAMI logo


  • No
GIO Logo


  • Yes
Allianz logo


  • Yes
Picture not described


  • Yes
QBE Logo


  • No

CTP won't protect you if you damage your car, but comprehensive car insurance will

Name Product Roadside Assistance Accidental Damage Storm Choice of Repairer Agreed or Market Value
Budget Direct Comprehensive
Agreed or Market
Finder's summary: Awarded the 2019 Finder Award for the Best Value Car Insurance, this policy offers solid coverage at a low cost. Budget Direct’s claims service has received a 4.2/5 based on nearly 5,000 customer reviews.

Who it might be good for: People who want a comprehensive policy without breaking the bank.
Bingle Comprehensive
Finder's summary: Bingle consistently comes up as one of the cheaper insurers out there. It only covers the basics, so you don't get to choose your own repairer, you're not covered for personal items in the car and you won't get a hire car if your car is stolen. But this keeps its premiums low.

Who it might be good for: Someone who wants a low-cost option that covers them for the basics.
Coles Comprehensive
Agreed or Market
Finder's summary: Coles have two-tiers of comprehensive car insurance to choose from. You'll earn double flybuys points at Coles supermarkets and you can get $10 off your Coles grocery bill every time you redeem 2,000 Flybuys points. If you're over 30, you can get roadside assistance free for a year.

Who it might be good for: Coles customers and Flybuys collectors.
Virgin Comprehensive
Agreed or Market
Finder's summary: Finalists for the 2019 Finder Awards for Best Value Car Insurance, Virgin Comprehensive provides a good level of cover for a decent price. Get 15% off on your first year’s premium when you purchase a new eligible comprehensive car insurance online. T&Cs Apply.
Poncho Comprehensive
Finder's summary: Poncho works like a monthly subscription – you pay monthly and can cancel and leave at any time. You can also list multiple cars and drivers under one policy, making it ideal for families and groups living together under one household.

Who it might be good for: People who want their car insurance month to month.
Qantas Comprehensive
Agreed or Market
Finder's summary: You'll be able to pick and choose how comprehensive you want your cover to be with optional extras like roadside assistance, choice of your own repairer and the option of agreed or market value. Plus earn Qantas Points for joining and paying your premium. Sign up by 28 February 2021, you can earn up to 40,000 Qantas Points (points awarded will be based on your premium). T&Cs and eligibility apply.

Who it might be good for: People who love collecting frequent flyer points.
Youi Comprehensive
Agreed or Market
Finder's summary: Youi Comprehensive Car Insurance is one of the few providers to include roadside assistance in its policy. You'll also get access to YouiRewards which gives you discounts on furniture, parking and more. Youi also has a live chat feature on its site to talk through any questions.

Who it might be good for: People over 25 who want comprehensive cover with a focus on customer service
Stella Comprehensive
Agreed or Market
Finder's summary: Stella’s a female-focused insurer. It'll cover you if your car is damaged as a result of domestic violence. It offers higher cover for baby gear than most, with up to $2,000 cover for prams, strollers and child seats. You get a free Bauer magazine subscription when you sign up and a portion of your premiums go to supporting female-led businesses.

Who it might be good for: Someone who wants a female-centred car insurance policy (it will cover men too).

Compare up to 4 providers

How do I find the best CTP?

There's no universally best CTP policy out there unfortunately, as it depends on a bunch of factors like your gender, age, and where you live. But on the plus side, there's only two real differentiating factors between CTP policies: their price, and if they offer at-fault cover.

  • At-fault cover: Luckily, Australia has Medicare so hospital expenses following an accident play less of a part in usual policies. At-fault cover means that you'll be covered for injuries by your CTP, even if you're the one that caused the accident. Standard CTP still covers at-fault drivers to some extent.
  • Price: CTP insurance prices in QLD, NSW and the ACT will vary as CTP insurance providers try to offer competitive rates and have different ways of determining driver risk levels. Depending on your location and driving history, you will get better prices from some than others.

All states have their own CTP insurance schemes, managed by that state’s Insurance Regulatory Authority. In Queensland, New South Wales and the ACT, drivers may choose their CTP insurance provider, while in South Australia, Victoria, Tasmania, Western Australia and the Northern Territory it’s automatically built into vehicle registration.

Search for CTP insurance by state

CTP insurance is only for injuries to people. It does not cover any damage to vehicles or property. If you want extra cover consider taking out comprehensive car insurance.

Compare comprehensive car insurance

What does compulsory third party insurance cover?

CTP ‘green slip’ insurance sees that people who were injured or killed in a motor vehicle accident anywhere in Australia can receive compensation irrespective of the financial situation of the driver(s).

The type of compensation available covers both economic and non-economic loss, meaning that hospital, medical and rehabilitation expenses as well as loss of income will be covered, as is pain, suffering and loss of quality of life. The level of compensation available is limited and there are a lot of factors which determine exactly how much someone will be awarded.

The damages from the accident are awarded by the at-fault party’s CTP insurance, which covers injuries sustained by both parties. CTP includes things other insurance policies won’t:

  • Special children's benefits, which states that children younger than 16 can apply for this benefit and be compensated, even if they were the cause of the accident;
  • Blameless accidents, which stipulates that people who were killed or suffered an injury in an accident can receive compensation, even if there wasn't anyone to blame. Such accidents include those caused by drivers who suffer a sudden medical issue, such as a heart attack, collisions with animals that could not be avoided and inexplicable mechanical problems.
  • Bulk billing arrangements. This proviso states that the expenses associated with hospital care, ambulance transport and any other treatments needed for the at-fault driver are funded by the insurance policy, just like for any other person that was injured in the accident. Regardless of who is to blame, the scheme will cover the expenses in question;
  • Accident notification provisions. An early payment of $5,000 entitlement extended to both the at-fault driver and the victim, to cover treatment and loss of income by lodging an Accident Notification Form (ANF).

Despite all these, the at-fault party is still not entitled to receive all the benefits that other parties who were injured in the accident have access to. There are certain benefits that are not covered by the bulk billing arrangements or the accident notification provisions, which guilty parties do not have access to.

The guilty party cannot file a claim for:

  • Any expenses over $5,000 incurred in a medical facility that is not a public hospital connected to medical treatment, pharmaceuticals and rehabilitation;
  • Attendant or respite care;
  • Changes to their residence;
  • Benefits to cover loss of quality of life, pain and suffering;
  • Loss of income past the $5,000 ANF limit;
  • Future loss of income.

CTP coverage differs between states, but is the same within each state regardless of which insurer issued the policy. For this reason you should try to find other liability insurance to cover what your CTP insurance doesn’t, rather than vice versa.

The product disclosure statements provided by insurance companies contain full detail on what is and is not covered by at-fault insurance, while CTP insurance details for your state can be found in the Motor Accidents Compensation Act 1999 and the Motor Accidents Act 2006, including:

  • The people who are entitled to receive compensation
  • How the compensation can be paid out
  • The maximum amount of compensation that can be awarded

Where do I buy green slip insurance?

Every state has certain insurance companies that are licensed to sell CTP policies, and some of these companies will permit other agents to sell in their name.

To buy a CTP insurance policy, you will have to provide the insurer or the agent with information regarding your situation This can include things like:

  • Your vehicle's make, model and manufacturing year
  • The postcode of where you garage your vehicle
  • Whether you use your vehicle for personal reasons or your business
  • How old you are or the age of anyone else who may drive your vehicle
  • Details of any accidents you have been involved in as well as your insurance and claims history
  • Details pertaining to your driving record, including information on your driver's licence

If the CTP premium is determined based on incorrect information and it leads to a lower premium than you should actually be paying, the insurance company will demand that you pay the difference. If you don't do so, you could end up having the registration of your vehicle cancelled.

If purchasing from an insurance agent, the first thing you should do is ask which company they represent. As of March 2016, only AAMI, Allianz, GIO, NRMA and QBE are licensed to sell CTP insurance. You may also wish to get in touch with the insurer and check whether or not the agent in question has their authorisation.

Always compare prices in NSW, Queensland and the ACT, with the Australian government’s Motor Accident Authority green slip calculator. This compares all the licenced insurance companies.

How are CTP insurance prices determined?

Because it’s mandatory, CTP insurance must be affordable. There is an allowable price range, and all CTP insurance premiums must fall within these boundaries. They determine the risk level for a vehicle and its drivers, and then adjust prices based on these. They do this by categorising a range of factors.

Location and vehicle type

The state insurance organisation provides up to date charts showing the typical risk levels and costs associated with different types of vehicle in different regions. Prices are updated annually according to the latest figures. For example, the average cost per policy of claims tends to be smaller for motorcycles, higher for cars and even higher for trucks, and lower in metropolitan areas than country zones.

Different states and regions have different prices. Business vehicles are on the road more, and are therefore at higher risk, than private cars, while cars stored in a garage are safer than those parked on the road.

After using this to establish a price range for the vehicle itself, the insurer looks at your individual risk factors.

Individual risk factors

Insurance companies try to consider as many individual risk factors as they can, including:

  • Your accident history
  • How old the all the regular drivers of your vehicle are
  • How old your vehicle is
  • Whether you have comprehensive property insurance or third party property insurance
  • Whether your vehicle is being used for personal or business purposes
  • Whether you are renewing CTP or purchasing a new one policy

Generally, if you are a safe driver, you are more likely to receive a better price for your CTP insurance.

You are encouraged to shop around for green slip quotes in states where applicable, because within the allowable price range, insurers calculate prices differently depending on the situation of each individual driver. This means that renewing CTP insurance with the same provider does not guarantee you will get the lowest price. Shop around if you want to save some money.

Even if you are an extremely risky driver, the insurer cannot increase your premiums with very high loadings, which could make the premium unaffordable.

How much is CTP for a motorcycle?

There are five different classes of motorcycles for determining CTP costs. None of the six licensed insurers offer at-fault cover for motorcycles.

  • Up to and including 225cc
  • 226cc to 725cc
  • 726cc to 1125cc
  • 1126cc to 1325cc
  • 1325cc and greater

More powerful motorbike categories carry higher costs, while the geographic region and personal circumstances also impact the price you pay for compulsory third party insurance. The extent to which personal risk factors are taken into account will differ between insurers, which is why you should take the time to get quotes from each of the six insurers offering motorcycle CTP insurance in NSW, Queensland and the ACT.

Frequently asked questions about CTP and greenslip insurance

*The products compared on this page are chosen from a range of offers available to us and are not representative of all the products available in the market. There is no perfect order or perfect ranking system for the products we list on our Site, so we provide you with the functionality to self-select, re-order and compare products. The initial display order is influenced by a range of factors including conversion rates, product costs and commercial arrangements, so please don't interpret the listing order as an endorsement or recommendation from us. We're happy to provide you with the tools you need to make better decisions, but we'd like you to make your own decisions and compare and assess products based on your own preferences, circumstances and needs.

Picture: GettyImages

Read more:

More guides on Finder

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.

16 Responses

    Default Gravatar
    KellyFebruary 7, 2019

    How do I find the best insurance for a Mercedes sprinter mobile home?

      Avatarfinder Customer Care
      JoshuaFebruary 17, 2019Staff

      Hi Kelly,

      Thanks for getting in touch with Finder. I hope all is well with you. :)

      We currently don’t have a specific page for Mercedes sprinter mobile homes. However, this might help. Please go to this page. On that page, you’ll find insurance policies, along with their features, that might cover your mobile home. You’ll also find useful information about how to find the right insurance for you on that page.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


    Default Gravatar
    AdamOctober 27, 2018

    Hey i need a wrx insurance

      Default Gravatar
      NikkiOctober 27, 2018

      Hi Adam!

      Thanks for visiting our page.

      To compare car insurance options, you may go to this page. On the page, you’ll see a table that lines up the providers. As a friendly reminder, carefully review the Product Disclosure Statement of the product before applying. You may also contact the insurance provider should you have any questions about their policy.

      Hope this was helpful. Don’t hesitate to message us back if you have more questions.


    Default Gravatar
    jamieFebruary 8, 2018

    a council bus swiped my park car. i paid the excess and higher car as i could not drive the car from the damage. im out of pocket $1200 am i allowed to be reimbursed this money through my insurance company from there insurance company?

      Default Gravatar
      Ash MunozMarch 1, 2018

      Hi Jamie,

      Thank you for reaching out to us.

      As to whether you’re entitled for a reimbursement, that will depend on the type of policy you have. For instance, Compulsory third party (CTP) car insurance can only cover the injuries caused by the accident but not for the damages incurred in the vehicle or property.

      I suggest you refer to your policy or contact you insurer directly if you’re still unsure of your coverage. Meanwhile, you can go through our step by step guide on this page on what you can do after a car accident.

      I hope this helps.

      Please do not hesitate to reach out to us again if you have additional questions.


    Default Gravatar
    JohnJuly 19, 2015

    I am a temporary resident. Can I claim MCIS Levies (part of CTP payment ) on my personal tax return?

      Avatarfinder Customer Care
      RichardJuly 20, 2015Staff

      Hi John,

      Thanks for your question. finder.com.au is a comparison service and we are not permitted to provide our users with personalised financial advice. For any tax or financial advice, you should consult a licensed professional. I am unaware of a situation where you can claim a deduction for MCIS Levies. However, if you’ve cancelled your vehicle’s registration, you may be entitled to a partial refund. If you would like to know more, please head to the Motor Accidents Authority website.

      I hope this was helpful,

    Default Gravatar
    emmaJune 30, 2015

    Do i need a greenslip and third party insurance or are these the same thing?

      Avatarfinder Customer Care
      RichardJune 30, 2015Staff

      Hi Emma,

      Thanks for your question. It depends on the type of third party insurance. A Greenslip is also called Compulsory Third Party or CTP insurance. However, there is also Third Party Property Damage (also known as TPPD) and Third Party Property Damage Fire and Theft (also known as TPPFF&T), which are different, non-compulsory, types of car insurance.

      I hope this was helpful,

    Default Gravatar
    LaraineNovember 24, 2014

    I have been asked to search for a reasonable green slip company. Before I do this, I want to ensure that it is legal and above board. My question is:
    This person has registered his car in his partner’s name. She doesn’t drive, but he is going to drive it instead. He himself has his own car. Is this legal and above board. I do not want to organise a Green Slip for him if this is not okay.


      Avatarfinder Customer Care
      RichardNovember 24, 2014Staff

      Hi Laraine,

      Thanks for your question. According to an article on the Roads and Maritime Services website:

      “In your name – make sure you insure your vehicle in your own name. If you insure your vehicle using someone else’s name (such as your parents), you may not be covered in the event of a claim.”

      I hope this was helpful,

    Default Gravatar
    BrianNovember 11, 2014


      Avatarfinder Customer Care
      ElizabethNovember 12, 2014Staff

      Hi Brian,

      Thanks for your question.

      The MCIS Levy Payment is a part of your green slip cost and so is therefore a compulsory payment.

      I hope this has helped.



    Default Gravatar
    JohnOctober 19, 2013

    Where is the list of licensed insurers?

      Avatarfinder Customer Care
      ShirleyOctober 21, 2013Staff

      Hi John,

      Thanks for your comment.

      Please find our car insurance comparison here.

      Hope this helps,

Go to site