NSW CTP Green Slip
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Cover for the people involved.
We know that when there’s an accident, nothing matters more than the people involved.
Compulsory Third Party
Compulsory Third Party (CTP Green Slip) is a mandatory insurance policy, as it covers the compensation claim of people injured in a motor vehicle accident where you're the at-fault driver, without you having to pay them out of your own pocket. To register your vehicle you’ll need to have your CTP Green Slip, you can choose who you purchase your CTP insurance from.
How it works
If you're the at-fault driver in a motor accident and a third party is injured, CTP Green Slip will cover the cost of the injured party’s compensation claim (but will not cover damage to yours, or anyone else’s vehicle or property). The third party may include your passengers, other drivers, cyclists, motorcyclists and pedestrians, and they will receive cover for any reasonable and necessary medical treatment (and associated costs e.g. travel) and loss of income as a result of the accident. From 1 December 2017, at fault drivers will also be covered unless you are charged with a serious driving offence. The claim is limited to up to 26 weeks and focuses on early support and recovery.
- Purchase your CTP cover online or call Youi on 1300 724 670.
- Go straight to the Roads & Maritime Services website (RMS) and register your vehicle now.
- If your RMS registration says you need an inspection or E-Safety check, visit the RMS Website to find your nearest E-Safety check station.
- First, you’ll need to provide us with your email address to access YouiRewards. Within 14 days of purchasing you will receive an email containing instructions to access the program.
- You will be prompted to download the Youi App, create an account and enter the promo code supplied in the YouiRewards email.
- Start saving!
- What’s the difference between CTP and a 'green slip'
- Nothing! CTP is also referred to as ‘green slip insurance’ in NSW
- How long is my NSW CTP insurance effective for?
- You can buy CTP/green slip cover for six or 12 months. It does not auto-renew.
- How quickly after getting my green slip will I be able to register my car?
- The Roads and Maritime Services (RMS) will be notified electronically when you purchase your green slip, even if you are registering the car for the first time. Please allow one hour for the notification to go through. You no longer need to present a hard copy of the green slip receipt.
- Am I covered if I drive outside of NSW?
Your CTP green slip insurance covers you no matter where you drive your car in Australia.
- What if I'm injured in an accident?
In you’re the at fault driver in an accident on or after 1 December 2017, you will have cover under the Green Slip unless you are charged with a serious driving offence. You may be able to claim up to 6 months of:
- Reasonable treatment and rehab expenses
- Commercial attendant care
- A percentage of your pre-accident weekly income if you are unable to work
For catastrophic injuries at-fault drivers may also be eligible for the Lifetime Care and Support Scheme..
If you're at-fault in the accident, then you'll only have limited cover under NSW CTP legislation. As the at-fault driver you’re covered for the 6 months of loss of income, treatment and care. For catastrophic injuries at-fault drivers will also be entitled to cover for medical and rehabilitation costs through the Lifetime Care and Support (LTCS).
- How are CTP insurance premiums calculated?
- CTP insurance costs are determined by each insurer and governed by the State Insurance Regulatory Authority (SIRA). Premiums are published by SIRA on its website. Rates take into account the frequency of accidents and average claims costs for the class of vehicle, whether or not the owner has a right to claim a GST Input Tax Credit and an amount for the insurer’s administration and claims handling costs.
- How do I take out a CTP policy?
- If you currently don’t have CTP insurance for your car or your current policy is due for renewal, simply contact us on 1300 219 438
- Are you a good driver with no demerits?
- You may be eligible for the nil demerit premium, dependent on the type of car as well as the age of the car and the owner (and other drivers). Contact us now to see if you can pay less!
- What if I sell my car?
- If your car is registered when you sell it, your Green Slip insurance automatically transfers to the new owner. You’ll receive a refund from your insurer when you cancel your registration and hand your plates into the Roads and Maritime Services.
- What isn't covered by my policy?
- Your CTP policy only covers claims made against you by third parties for injuries they suffer in an accident. While it also provides limited benefits to the at-fault driver, it doesn't cover any accidental damage to other vehicles or to property, nor any damage to your car as a result of an accident.
- What is the Lifetime Care and Support Scheme?
The Lifetime Care and Support Scheme (LTCS) was established under the Motor Accidents (Lifetime Care & Support) Act 2006 to provide treatment, rehabilitation and attendant care to people who have been severely injured in a motor accident regardless of who was at fault in the accident. Eligibility for the Scheme is determined by the severity of the person's injuries. Most people who are eligible have a spinal cord injury, a moderate to severe brain injury or, in some cases, serious burns or amputations.
The Scheme applies to all severely injured people and is administered by the Lifetime Care & Support Authority (LTCSA). There are levies in your total premium which fund this scheme. Refer to the State Insurance Regulatory Authority for more information.
The fine print.
Compulsory Third Party (CTP Green Slip) Insurance issued by QBE Insurance (Australia) ABN 78 003 191 035 AFSL 239545, for whom we act as a referrer. The information provided is a summary and contains factual information about the product only, it does not consider your particular objectives, financial situations or needs. Should you require information about the appropriateness of the product, we can provide you with QBE’s contact information. Youi receives a commission from the premium you pay QBE Insurance.