CTP insurance in South Australia

Everything you need to know about the MAIS

Compulsory third party insurance (CTP) insurance is the mandatory type of car insurance that covers injuries on the roads.

It works differently in each state. In South Australia, it’s known as the Motor Accident Injury Assessment Scheme (MAIS).

How the MAIS works

A portion of your car registration fees go towards your CTP insurance. This portion is then paid to one of four different approved insurers. It will either be:

  • AAMI
  • Allianz Australia Insurance Limited
  • QBE
  • SGIC

You’ll automatically be assigned to one of them when registering a car, or renewing registration.

If your driving is responsible for a passenger, pedestrian, cyclist or other road-user suffering injury, whichever insurer you’ve been assigned to will pay out, to the injured party.

Conversely, if another motorist is responsible for your injuries, then their automatically assigned insurer will pay a claim to you.

It will not cover injuries to a driver who is entirely at fault for an accident. Generally, it’s only for “victims” and not “culprits.”

How much does it pay out?

MAIS-approved medical practitioners will consider the extent of the injuries, and reach a figure with the insurers. That’s the compensation amount.

It should include necessary medical expenses, future special care costs and appropriate compensation for things like loss of income and general loss.

What if a driver doesn’t have CTP insurance?

It’s included in the registration costs, so a car without CTP insurance in SA is probably driving unregistered too. Traffic cameras can detect this.

If an uninsured driver injures someone, then there compensation may need to come from other schemes, or be paid directly from the at fault driver through a court-order or other processes.

What other cover do I need?

CTP insurance and the MAIS generally doesn’t cover any kind of property or vehicle damage.

For that, you will need additional car insurance. This isn’t mandatory, but is probably a good idea.

See what other kinds of car insurance you can get in SA, and how much it costs.

Need more cover? Try one of these policies...

Details Features
Comprehensive
Comprehensive
Save 24% on your policy if you've been claim free for 3 years.
  • Discounts: No
  • Pay monthly at an extra cost
  • Hire car after theft: Yes - up to $50 a day
  • Choice of repairer: No
  • Roadside assistance: No
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Comprehensive
Comprehensive
Save up to 15% when you buy online.
  • Discounts: Buy online and save 15%
  • Pay monthly at an extra cost
  • Hire car after theft: Yes - up to $1,000 (limit 14 days)
  • Choice of repairer: Yes
  • Roadside assistance: Optional
Get Quote More info
Comprehensive
Comprehensive
Buy online and save up to 10%. Price-beat guarantee for drivers aged over 25.
  • Discounts: Buy online and save up to 10%
  • Pay monthly at no extra cost
  • Hire car after theft: Yes - up to $70 a day for up to 14 days
  • Choice of repairer: No
  • Roadside assistance: Optional
Get Quote More info
Comprehensive
Comprehensive
Complete a quote but don't end up switching? You'll still get 100 YouiDollars.
  • Discounts: Chance for 100 YouiDollars
  • Pay monthly at an extra cost
  • Hire car after theft: Yes - Reasonable costs for 14 days
  • Choice of repairer: Yes
  • Roadside assistance: Yes
Get Quote More info
Comprehensive
Comprehensive
Buy online and save up to 10% on your policy.
  • Discounts: Save up to 10% when you buy online
  • Pay monthly at no extra cost
  • Hire car after theft: Yes - up to $70 a day for 14 days
  • Choice of repairer: No
  • Roadside assistance: Optional
Get Quote More info
Price Saver (Comprehensive)
Price Saver (Comprehensive)
New customers can receive up to 10,000 Velocity Frequent Flyer points. Ends 28 Feb 2018.
  • Discounts: Buy online and save 15%
  • Pay monthly at an extra cost
  • Hire car after theft: Yes - up to $1,000 (limit 14 days)
  • Choice of repairer: Yes
  • Roadside assistance: Optional
Get Quote More info
Comprehensive
Comprehensive
Transforms your driving so it's 100% carbon neutral.
  • Discounts: No
  • Pay monthly at no extra cost
  • Hire car after theft: Yes - up to $70 a day for up to 14 days
  • Choice of repairer: No
  • Roadside assistance: No
Get Quote More info
Comprehensive
Comprehensive
Save up to 10% when you buy online.
  • Discounts: Buy online and save up to 10%
  • Pay monthly at no extra cost
  • Hire car after theft: Yes - up to $100 a day for up to 30 days
  • Choice of repairer: Yes
  • Roadside assistance: No
Get Quote More info
Comprehensive - Elegant Cover
Comprehensive - Elegant Cover
Save up to 20% when you purchase online.
  • Discounts: Save up to 20% when you purchase online
  • Pay monthly at an extra cost
  • Hire car after theft: Yes - up to $60 a day for up to 14 days
  • Choice of repairer: No
  • Roadside assistance: Optional
Get Quote More info

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Andrew Munro

Andrew writes for finder.com, comparing products, writing guides and looking for new ways to help people make smart decisions. He's a fan of insurance, business news and cryptocurrency.

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