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:

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...

Name Product New Car Replacement Pay monthly at no extra cost Choice of repairer Roadside Assistance Hire car after theft Personal effects
Optional - If your car is written off in the first 3 years
No
No
No
Optional - Up to $50 a day until your claim is settled
$0
Save 24% on your policy if you've been claim free for 3 years.
Yes - If your car is written off in the first 2 years or is under 40,000 km
No
Yes
Optional
Yes - Up to $1,000 (Max 14 days)
$250
Buy online and save 15%.
Yes - If your car is written off or stolen in the first 2 years
No
Yes
Yes
Yes - Reasonable costs (Max 14 days)
$750
Emergency roadside assistance included in Comprehensive policies.
Yes - If your car is written off in the first 2 years
No
No
Optional
Yes - Up to $70 per day (Max 14 days)
$500
Save up to 10% when you buy online.
Yes - If your car is written off in the first 2 years or is under 40,000 km
No
Yes
Optional
Yes - Up to $1,000 (Max 14 days)
$500
Save 15% when purchasing online. Eligible customers can earn up to 20,000 Velocity Frequent Flyer Points when purchasing a new policy by 31 Oct 2018. Excludes NT. Min 6mths policy & T&CS apply.
Yes - If your car is written off in the first 2 years
Yes
No
No
Yes - Up to $70 per day (Max 14 days)
$500
Transforms your driving so it's 100% carbon neutral.
Yes - If your car is written off in the first 2 years
Yes
Yes
No
Yes - Up to $100 per day (Max 30 days)
$1,000
Buy online and save up to 10% on your policy.
Yes - If your car is written off in the first year or is under 20,000 km
No
No
Optional
Optional - Up to $60 per day (Max 14 days)
$500
Save up to 20% on car insurance when you purchase cover online.

Compare up to 4 providers


Get the latest car insurance news

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.

Was this content helpful to you? No  Yes

Related Posts

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 Privacy & Cookies Policy and Terms of Use, Disclaimer & Privacy Policy.
Ask a question
Go to site