CTP Insurance in ACT

Choice of four insurers in the ACT

The compulsory third party insurance scheme in the ACT has been reformed.

The Motor Accident Injuries Commission is the regulator of the new CTP scheme. Operation of the new scheme and responsibilities and functions of the CTP Regulator are set out in Motor Accident Injuries Act 2019.

There is still a choice of four insurers licensed to issue CTP insurance in the ACT:

  1. NRMA
  2. GIO
  3. AAMI
  4. APIA.

GIO, AAMI and APIA are all owned by Suncorp and have issued CTP insurance in the ACT since July 2013.

A schedule of CTP insurance premiums for each insurer is available here. Before purchasing your CTP insurance in ACT, you should compare prices for each of the four insurers.

Unlike NSW, premiums in the ACT are not differentiated on the basis of risk factors such as geographic location, age, driving record or claims history. In the ACT the premium for a class 1 passenger vehicle is the same, regardless of those factors.

Premiums are set by insurers.The insurers must submit those premiums to the CTP Regulator for approval. The CTP Regulator may reject premiums if they do not fully fund insurer liabilities, if they are excessive or if they do not comply with guidelines issued by the CTP Regulator.

CTP insurance in the ACT is compulsory and must be paid at the time of registration. The CTP insurer is shown on the certificate of registration. If your vehicle is unregistered and you are involved in an accident, you will not be covered by CTP insurance and you may be liable for damages for the injured person, in addition to a fine.

CTP Insurance - more info

NT >

Learn about CTP and registration in the NT. read more


How CTP green slips work in NSW and how to compare prices from all insurers. read more

Qld >

Learn about CTP in Qld and how to change insurers. read more

SA >

Understand the new SA CTP scheme and how it works in the future. read more

Vic >

How CTP and registration works in Vic. read more

WA >

CTP and vehicle licensing in WA explained. read more

Tas >

The CTP scheme and how to register a vehicle in Tas. read more

CTP explained >

Why you need CTP and how it works in each state and territory. read more