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 Roadside Assistance Accidental Damage Storm Choice of Repairer Agreed or Market Value
Agreed or Market
Highlights: Save 10% when you buy online + collect double flybuys points at Coles Supermarkets. T&Cs apply.
Agreed or Market
Discounts: Buy online and save 15%.
Agreed or Market
Highlights: Emergency roadside assistance included in Comprehensive policies.
Discounts: Save 15% when purchasing online. Plus earn 5,000 Velocity Points when purchasing a new eligible policy by 29 April 2020. T&Cs apply.
Discounts: Save up to 10% when you buy online.
Discounts: Buy online and save up to 10%. Price-beat guarantee for drivers aged over 25. T&Cs apply.

Compare up to 4 providers

Get the latest car insurance news

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