CTP Regulator
CTP insurance in South Australia provides compensation to people injured by a SA registered vehicle where the owner or driver is at fault. Compensation is reduced to the extent that people contribute to their own injuries.
The scheme is fault based. To make a claim under the scheme, fault on the part of an owner or driver needs to be established.
The SA CTP insurance scheme is funded by premiums paid as part of the cost of motor vehicle registration in SA.
In July 2016, the CTP Insurance scheme in South Australia was opened up to private insurers. The CTP Regulator then took over from the Motor Accident Commission (MAC). Since 1 July 2019, the CTP scheme has been fully opened up to private insurers. The regulator sets all premiums and oversees the CTP insurers.
Current CTP insurers in SA are:
- AAMI
- Allianz
- QBE
- SGIC.
Since 1 July 2019, vehicle owners can choose one of these insurers based on price and customer service ratings. Each insurer is responsible for processing CTP claims and handling enquiries.
Excess premiums
If the insurer has paid compensation to a person and you were more than 25% responsible for the incident, you are required to pay an excess to the insurer. The amount of the excess depends on the year of the crash as it increases each year by CPI. A 5% discount is applied to the excess payment if it is received within 1 month of being due.
Reforms to the Scheme
The CTP insurance scheme in SA has undergone several reforms:
- In an effort to reduce premiums, thresholds for non-economic loss and some other categories of compensation changed
- Children under 16 years of age are compensated, regardless of who was at fault
- A Lifetime Support Scheme was introduced from 1 July 2014, so treatment, care and support is provided for those catastrophically injured in a motor vehicle accident, regardless of fault
- A levy for the Lifetime Support Scheme is included with vehicle registration
- The scheme was first opened to four private insurers in 2016 and fully opened to the market in July 2019.
Renewing vehicle registration
Light vehicles, light trailers and motor bikes registered in South Australia can be registered for 1, 3 or 12 months and will not be issued with a registration label. One month registration is available only with direct debit.
The SA Government provides an online service and mobile app called mySA GOV for registration and licence transactions. This service stores all private information digitally.
For light vehicles, the registration cost varies based on vehicle type and number of cylinders. Weight is a factor for heavy vehicles.
Transferring registration to SA
If you become a permanent resident of SA you must transfer your registration within 3 months.
A vehicle inspection will be required to confirm the vehicle identity.
After the vehicle inspection you can go to a ServiceSA centre with the relevant application and proof of identity to apply for SA registration.
SA CTP and registration contacts
CTP Regulator: 1300 303 558
Service SA: 13 10 84
Monday to Friday 8am to 6pm