NSW CTP
Green Slip insurance
At Youi, we offer a range of insurance options for drivers to choose from.
That includes NSW CTP insurance (also known as a Green Slip).
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Prefer to talk? Call 1300 004 007
What is CTP Green Slip insurance?
Compulsory Third Party (CTP) insurance is a mandatory insurance policy if you’re registering a vehicle in NSW. It provides cover for people injured in a motor vehicle accident, including costs like medical treatment and lost income.
If you or another person driving your motor vehicle are at fault for an accident and a third party is injured, your CTP insurance covers the cost of their compensation claim. This doesn’t include damage to, or theft of, vehicles or property.
What's included?
Cover for the cost of injuries sustained by a third party in a motor accident caused by you (or the person driving your vehicle).
On top of medical treatment for third parties involved in the accident, limited cover may also be available for reasonable and necessary treatment and care costs for the at-fault driver.
In addition to lost income for those not at fault in the accident, we may also provide limited coverage if you’re the at-fault driver and need time off work due to your injuries.
Cover for injuries caused by a trailer or caravan attached to the registered vehicle.
Our CTP insurance will have you covered even if you’re involved in an accident outside your home state or territory.
What’s not included?
Damage to, or theft of, your vehicle and attached trailer or caravan.
Any damage your vehicle causes to someone else's property or vehicle.
For extra cover, explore Third Party Fire & Theft, Third Party Property and Comprehensive car insurance options.
Why choose Youi car insurance?
Our helpful advisors
Sometimes it’s handy to have specialists available to listen and answer any questions you might have about your CTP insurance.
Online convenience
Life can be busy, which is why we offer the option to use our simple online quote platform for new policies and renewals.
Unlimited call times
We’ll take the time to explain what’s included with our CTP insurance – not rush you through the process.
How does NSW CTP insurance work?
CTP Green Slip insurance covers the cost of third party compensation claims if you or another person driving your vehicle are at fault for an accident and a third party is injured or killed.
The “third party” might be your passengers, other drivers, cyclists, motorcyclists or pedestrians, and they’re covered for any reasonable and necessary medical treatment, care and loss of income as a result of the accident.
In NSW, at-fault drivers may also have limited cover for medical treatment and loss of income unless they’re charged with a serious driving offence. This means driving a vehicle in a way that causes or is likely to cause death or serious injury, like a police pursuit or negligent driving.
In some other Australian states and territories, a fault-based scheme is in place whereby the at-fault driver isn’t eligible for compensation. For more information, take a look at the Interstate (non-NSW) accidents page on the SIRA website.
What Is CTP Insurance and Do You Actually Need It?
How to purchase NSW CTP and register your vehicle
When you’re ready to get things moving, you can purchase your CTP Green Slip insurance in three easy steps.
We’ll ask you for information like your vehicle details and driving history to provide you with a quote. So start your quote anytime online, or give us a call, then pay for your policy either by credit card or using Post BillPay at Australia Post outlets.
Online and over-the-phone credit card payments will automatically trigger an electronic NSW CTP Green Slip to be sent to Transport for New South Wales (TfNSW) within one hour. Payments made via Post BillPay at Australia Post may take up to five business days.
In NSW, most light vehicles older than five years need an eSafety check (also called a Pink Slip) before registration can be renewed.
Next, you can use your Green Slip to register your vehicle in NSW by the use-by-date specified. Note that CTP insurance doesn’t renew automatically.
Once the payment for your NSW CTP policy has been processed, we’ll automatically notify TfNSW. Brand new registrations and interstate vehicles are required to be registered in person at a TfNSW service centre.
How to renew your Youi NSW CTP insurance
Renewing your Youi CTP insurance is simple. If the expiry date for your policy is approaching, you can renew with any one of the following options.
- Phone
You can call us on 1300 004 007 to renew and pay for your policy. - Email
If you’ve opted to receive documents from us electronically, you can access your pre-filled renewal quote via the CTP renewal email we sent you. - Post
If you’ve opted to receive your documents via post, you can complete a new quote and pay for your NSW CTP Green Slip online.
We’ll automatically notify TfNSW within one hour of receipt of your credit card payment. This may take up to five business days for payments made via Post BillPay at Australia Post outlets. Your renewal documents will be sent to you a few weeks before your current CTP Green Slip with Youi expires.
How to make a NSW CTP claim
If you need to make a claim, you can do this either online, by submitting a paper claim, or by calling us.
Online claim
- Register or login with Service NSW.
- Upload your certificate of capacity/certificate of fitness completed by your doctor.
Paper claim
- Complete the application for personal injury benefits.
- Include your certificate of capacity/certificate of fitness completed by your doctor.
Email ctpclaims@nsw.ctp.youi.com Mail GPO Box 1531, Sydney NSW 2001 Fax 02 8251 9481
Call us
- Prefer to speak with someone? You can call our NSW CTP claims team on 1800 413 743 between 8:30am - 5:00pm AEDT Monday to Friday.
How to cancel a NSW CTP policy
Need to request a refund on your NSW CTP insurance premium? Just follow these easy steps.
If your CTP policy was used to register a vehicle:
- Cancel your vehicle registration by contacting Service NSW.
- Get a Confirmation of Cancelled Registration letter from Service NSW.
- Complete the Youi NSW CTP cancellation request form.
- Email both your Confirmation of Cancelled Registration Letter and Youi CTP cancellation request form to nswctprefunds@youi.com.
You must include your OA policy number in the email subject line to allow us to process your request.
Once your request has been processed, you'll receive a partial refund for the unused portion of your CTP policy.
If your CTP policy was not used to register a vehicle:
- Complete the Youi CTP cancellation request form.
- Send the completed form and a copy of your Youi CTP Insurance / Green Slip Certificate to nswctprefunds@youi.com.
Once your request has been processed, you’ll receive a full refund for the unused CTP policy.
Please note that refunds can take up to 20 business days to process, and there may be an administration fee of $22 (including GST) for cancelling a CTP policy.
CTP Green Slip FAQs
Still have questions about CTP insurance in NSW? You might find the answers here, or visit SIRA NSW to learn more.
About CTP
No, CTP insurance isn’t the same as registration. In some states, CTP insurance is managed by the state government and bundled with vehicle registration automatically. But in NSW, CTP insurance and registration are managed by separate bodies.
CTP insurance in NSW is provided by private insurance companies and governed by SIRA, while registration is managed by the state government. This means you’ll need to purchase CTP insurance before registering your vehicle with the NSW government. For more information, read up on our NSW Green Slip guide.
No, you aren’t legally obliged to purchase additional insurance on top of CTP. But keep in mind that CTP Green Slip insurance doesn’t cover damage to or theft of vehicles or property, so having additional insurance may give you a bit of extra comfort knowing you’re covered for when things go wrong.
Learn more about what type of car insurance policy could be right for you.
There’s no difference between CTP insurance and Green Slip insurance – in NSW, these terms are used interchangeably.
Yes, these terms refer to two different things:
- Pink Slip: also known as an eSafety check, this is a Safety Inspection Report that confirms your vehicle is safe and roadworthy. It’s mandatory to have one when registering a light vehicle more than five years old in NSW.
CTP insurance: also called a Green Slip, Compulsory Third Party (CTP) insurance is a mandatory insurance policy that’s required for anyone registering a vehicle in NSW. It protects drivers from liability if they cause injury to a third party in a motor accident.
Learn more about Pink Slip vs CTP insurance in our handy guide.
About your cover
You can purchase CTP insurance cover for six or 12 months. The CTP policy does not automatically renew.
You can register your vehicle as soon as your CTP Green Slip insurance is processed by TfNSW. The timeframe can vary depending on how you made the purchase:
- Card payments: for CTP Green Slips purchased by credit card, TfNSW will be notified electronically. This usually occurs immediately but can take up to one hour.
- In-person payments: payments made in person at Australia Post via Post BillPay can take up to five business days to clear.
Yes, your Green Slip covers you for motor accidents Australia-wide. However, in some Australian states and territories, a fault-based scheme is in place whereby the at-fault driver isn’t eligible for compensation. For more information, visit the State Insurance Regulatory Authority (SIRA) website.
CTP insurance premiums are determined by each insurer. Premiums account for the frequency of accidents and average claims costs for the class of motor vehicle and region where the vehicle is garaged, whether the owner has a right to claim a GST Input Tax Credit, and an amount for the insurer’s administration, claims handling costs and profit margin.
SIRA governs insurer premiums and publishes these on their Green Slip price check page.
If your vehicle is written off/considered a total loss, stolen or needs to be registered in another state, you may be entitled to a refund on the unused portion of your CTP Green Slip. You will need to contact TfNSW and hand in your registration plates or report the motor vehicle as stolen.
Once Youi receives your Confirmation of Cancelled Registration letter from TfNSW, we’ll cancel your policy and issue any refund that may be due. An administration fee may be also charged.
The Lifetime Care and Support Scheme provides treatment, rehabilitation and attendant care to people who’ve been severely injured in a motor accident regardless of who was at fault.
Eligibility for the Scheme is determined by the severity of the person’s injuries, such as a spinal cord injury, a moderate to severe brain injury or, in some cases, serious burns or amputations.
Managing your policy
If you’ve opted to receive your documents from us electronically, you can access your pre-filled renewal quote via the green ‘renew now’ button in the CTP renewal email we sent you and then pay online with your credit card.
If you’re an existing Youi NSW CTP customer (whether you’ve opted to receive your renewal documents via email or post) and have your policy number or vehicle registration handy, you can complete and pay for your NSW CTP Green Slip online with a credit card by hitting the renew now button below.
Alternatively, you can call us on 1300 004 007 to renew and pay for your policy.
Renew now
We’ll automatically notify TfNSW within one hour of receipt of your credit card payment. Your renewal documents will be sent to you a few weeks before your current CTP Green Slip with Youi expires.
If the CTP policy was used to register a vehicle, start by cancelling the vehicle registration through Service NSW. Once you’ve done that, they’ll issue a Confirmation of Cancelled Registration letter, which you can email us with your completed Youi CTP cancellation request form .
If the CTP policy wasn’t used to register a vehicle, simply email us the completed Youi CTP cancellation request form with your Youi CTP Insurance / Green Slip Certificate.
We’ll do our best to process your refund within 20 business days, and an admin fee of $22 (including GST) may apply.
Learn more about the cancellation and refund process here. If you have any questions, give us a call on 1300 004 007.
At Youi, our promise is to deliver awesome and fuss-free service, every time you need us. If your expectations haven’t been met, we’ll try to solve it with you in a timely and fair manner.
If you have a complaint, head to our Handling your CTP complaint page for more info.