SA Compulsory Third Party (CTP)
Yes. Compulsory Third Party insurance (CTP) is (as the name suggests) mandatory car insurance in South Australia, as it protects you from the financial impact of causing injury or death to others as the result of a motor accident. Youi offers CTP insurance for South Australia, and you can nominate us as your future SA CTP insurer anytime via EzyReg.
From there, it’s totally up to you. You can also take out Comprehensive car insurance, Third Party Fire & Theft car insurance, or Third Party Property Only car insurance, depending on your individual needs.
Comprehensive car insurance is (you guessed it) the most comprehensive level of cover, offering protection from accidental damage, theft, fire, and severe weather like storms, hail, floods and earthquakes.
Data from the Australian Bureau of Statistics (ABS) shows that, overall, car theft in Australia is rising.
According to the ABS, in 2021, there were 49,742 victims Australia-wide (an increase of 3% from the previous year), with Western Australia, Queensland and New South Wales showing the largest increases. South Australia showed a small decrease in theft; however, car thievery remains a nationwide issue. The most common locations for car theft include driveways, carports, garages and streets.
Congratulations, you’re moving to the state that was awarded Australia’s ‘most liveable’ capital city in 2021!7 After settling into your new home, getting your car insurance and registration sorted should be your next step.
If you’ve moved to South Australia and own a vehicle registered in another state or territory, you must apply for SA registration within three months.
Your CTP insurance is linked to your car, so you won’t need to transfer your insurance because you’re living in a new state. However, it can be a good idea to start thinking about who your next provider will be when you need to renew your CTP insurance in South Australia.
At Youi, we offer flexible excess levels. This means that your excess is variable; it’s up to you to choose the level of excess you’d like on your policy.
Unsure what excess is? Excess is the amount of money you pay out-of-pocket when you make a claim on your car insurance. Whether you’re choosing Comprehensive car insurance or a different type of car insurance in SA, the excess you choose will affect the cost of your car insurance premium. The higher your excess, the less you’ll pay on your premium, but the more you’ll have to pay when you claim.
