Green slip comparison
As well as the cheapest greenslip, consider other factors when making your greenslip purchase.
Look at any additional features on offer from the insurers, ease of purchase online, by phone or in person, terms and conditions and additional discounts.
The tables below allow you to compare those factors for each greenslip insurer.
At-Fault Driver Cover ›
Purchase online ›
Purchase by phone ›
Purchase in person ›
Terms and conditions ›
Discounts ›
TfNSW notification online ›
At-Fault Driver Cover
All greenslip insurers provide the statutory cover required under the Acts. Since 1 December 2017 insurers provide statutory cover under Motor Accident Injuries Act 2017 and Motor Accidents (Lifetime Care and Support) Act 2006. Before 1 December 2017 these were Motor Accidents Compensation Act 1999 and Motor Accidents (Lifetime Care and Support) Act 2006.
Two insurers also incorporate an additional feature, providing benefits for drivers where the driver is injured and at fault in an accident. That feature is generally called At-Fault Driver Cover.
None of the insurers offers additional features other than At-Fault Driver Cover.
At-Fault Driver Cover was offered under the old greenslip scheme because the driver at fault in an accident was not covered to the same extent as other people, unless catastrophically injured. Under the new green slip scheme, drivers at fault can claim statutory benefits for up to 6 months.
At-Fault Driver Cover is limited by policy wording and exclusion and is also limited to specific injuries and the amounts set out in the insurers’ schedule of benefits.
The terms, exclusions and schedule of benefits vary, insurer to insurer.
The tables below offer an overview of each insurer’s position, the schedule of benefits and some notable exclusions. More information on At-Fault Driver Cover is on this site.
Before purchasing a greenslip you should refer to the insurer’s policy document to understand the full terms applying to the insurer’s At-Fault Driver Cover.
| Insurer | Additional feature – At-Fault Driver Cover |
| AAMI | None |
| ALLIANZ | At-Fault Driver Protection (AFDP) cover is provided with some greenslips. Allianz AFDP cover provides protection for specified injuries or death if you are the “at fault” driver in a motor accident. Certain drivers and vehicles are excluded from coverage and the AFDP policy contains limitations, exclusions and conditions which you should check. The policy document is on the Allianz site. |
| GIO | None |
| NRMA INSURANCE | CTP Driver Protection cover is automatically provided with NRMA Insurance greenslips. NRMA CTP Driver Protection provides benefits to some drivers for certain serious injuries if they have a car accident that is their fault. Certain drivers and vehicles are excluded from coverage and the CTP Driver Protection policy contains limitations, exclusions and conditions which you should check. The policy document is on the NRMA site. |
| QBE | None |
| Youi | None |
| Insurer |
Notable exclusions from At-Fault Driver Cover
|
| ALLIANZ | Motor bikes Drivers under 25 years Goods carrying vehicles with a gross vehicle mass greater than 4.5 tonnes Vehicles that are 10 years old or more at the commencement of the period of CTP insurance |
| NRMA INSURANCE | Motor bikes Goods carrying vehicles with a gross vehicle mass greater than 4.5 tonnes Hire vehicle, taxis, tow trucks and buses |
We have listed the exclusions which we think are notable. Each insurer will reject payment on the basis of many other exclusions. Those other exclusions are listed in each of the insurer policy documents. For a full list of exclusions, you need to refer to those policy documents.
| Schedule of benefits | Allianz | NRMA |
| Quadriplegia | $250,000 | $300,000 |
| Paraplegia | $100,000 | $150,000 |
| Total loss of speech | – | $100,000 |
| Total loss of hearing | – | $50,000 |
| Loss of or permanent total loss of use of one limb | $50,000 | |
| Loss of entire sight in one eye | $25,000 | $50,000 |
| Loss of entire sight in both eyes | $50,000 | $100,000 |
| Loss of both hands and both feet | – | $150,000 |
| Loss of both hands or both feet | – | $75,000 |
| Loss of one hand and one foot | – | $100,000 |
| Loss of one hand or one foot | – | $50,000 |
| Loss of thumb and forefinger on one hand | – | $25,000 |
| Burns | – | $20,000 |
| Fractured pelvis | – | $10,000 |
| Fractured skull | – | $10,000 |
| Fractured spinal vertebrae | – | $10,000 |
| Lacerations of liver, kidney, spleen or lung | – | $10,000 |
| Loss of both ears | – | $5,000 |
| Loss of one ear | – | $2,500 |
| Loss of five or more teeth | – | $4,000 |
| Fractured arm | – | $2,000 |
| Death within 6 months of accident | $10,000 | $25,000 |
| Total benefits | 6 | 21 |
If there is more than one injury, Allianz will pay only one benefit, the highest single benefit. In the event of death, Allianz will pay only the death benefit.
NRMA pays one amount:
- If you suffer more than one injury, it pays for the injury with the highest benefit
- If you die, it pays only the death benefit (even if you suffered from one or more specified injuries)
- If you are paid for any injury and later die as a result of injuries, then NRMA does not pay the death benefit as well.
Purchase online
All six, as at 1 December 2020, insurers offer online quotes or purchase.
Purchase by phone
By phone, access to insurers is varied. For just one insurer, a real person answers the phone initially. Other insurers use voice prompt systems with various levels of selection before you can speak to a real person.
| Insurer | Phone number | Available times | Process |
| AAMI | 13 22 44 |
8am to 10pm 7 days |
A real person answers the phone. You will be connected to another real person who will deal with your enquiry or transaction |
| ALLIANZ | 13 1000 |
7.30am to 11pm Weekdays 8am to 9pm Weekend |
Automated menu driven system |
| GIO | 13 10 10 |
8am to 10pm 7 days |
Automated menu driven system |
| NRMA INSURANCE | 132 132 |
7am to 10pm 7 days |
Automated menu driven system |
| QBE | 133 723 |
8am to 7pm Weekdays 8am to 1.30pm Saturday |
Automated menu driven system |
| Youi | 1300 004 007 |
8am to 4pm Weekdays |
Automated menu driven system |
Purchase in person
Some insurers operate their own branch network and others operate through agents of some form.
Access to purchase a greenslip in person can be restrictive, depending on the insurance company and where you live.
| Insurer | NSW offices | Opening hours | Locations |
| AAMI | – | – | AAMI does not distribute through brokers or agents |
| ALLIANZ | Motor Dealers | – | Many major motor dealers |
| GIO | 30+ | Weekdays, business hours | Check GIO site for branches and agents near you |
| NRMA INSURANCE | 220 | Various | Check NRMA site for branches and agents near you |
| QBE | – | – | QBE green slips are distributed through selected brokers and agents |
| Youi | None |
Terms and conditions
No greenslip insurer provides a schedule of Terms and Conditions or a Product Disclosure Statement for CTP greenslips.
To be allowed to issue greenslips, all greenslip insurers must provide the statutory cover required under the Acts. Since 1 December 2017, they provide statutory cover under Motor Accident Injuries Act 2017 and Motor Accidents (Lifetime Care and Support) Act 2006. Before 1 December 2017 this was Motor Accidents Compensation Act 1999 and Motor Accidents (Lifetime Care and Support) Act 2006.
State Insurance Regulatory Authority (SIRA) monitors the performance of each greenslip insurer .
Where insurers provide some form of protection for at-fault drivers as part of the greenslip, they provide a policy document. Allianz provides a policy document for Allianz At-Fault Driver Protection. NRMA Insurance provides a policy document for CTP Driver Protection.
Other than terms for At-Fault Driver Cover, all insurers offer the same terms for greenslips.
Discounts
Greenslip prices are determined by each insurer, after consideration of many factors including location, vehicle and driver age, claims history and driving record. Insurers can charge premiums only on a basis which has been submitted to SIRA and which has not been rejected by SIRA. Therefore discounts for factors such as a good driving record and lack of claims are already reflected in the greenslip price, provided the price being applied is appropriate for the vehicle and owner characteristics.
Some insurers purport to discount the greenslip price on the basis that other insurance products are placed with that insurer (product bundling). They offer discounts on other types of insurance (such as comprehensive vehicle insurance) on the basis that a greenslip and other products are bundled with that insurer.
A summary of the discounts offered by each of the insurers on other insurance products is set out in the table below. For more information on the discounts you should check the insurer’s site and speak to your insurer.
| Insurer | Discount on other products with a CTP green slip |
| AAMI | None |
| ALLIANZ | None |
| GIO | GIO offers 10% multi-policy discounts. GIO will give a $50.00 discount off your next Comprehensive insurance premium, if you have GIO CTP insurance and a maximum No Claim Discount on your Comprehensive insurance. The discount does not apply to fleets or policies issued by GIO Business Insurance. Check the GIO site for full terms and exclusions |
| NRMA INSURANCE | NRMA offers multi-policy discounts. If you bundle your CTP Greenslip with other NRMA Insurance products, NRMA Insurance offers loyalty discounts on certain other insurance products. With the Loyalty Discount, the more eligible policies you have and the longer you have been with NRMA, the greater the discount. The discount does not apply to commercial policies. Check the NRMA Insurance site for full terms and exclusions. |
| QBE | None |
| Youi | None |
TfNSW notification online
All insurers will electronically notify Transport for NSW (TfNSW) of the greenslip purchase.
Subject to clearance of funds, notification will usually go through to TfNSW within 30 to 60 minutes of an approved greenslip purchase.