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Green Slip Comparison - Compare Green Slips on the basis of features, discounts, online, phone and retail experience
Not only do you need to consider the cheapest greenslip, there are other factors you should consider when making your greenslip purchase.
You should consider any additional features on offer from the insurers, ease of and accessibility for 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
All greenslip insurers provide the statutory cover required under the Motor Accidents Compensation Act 1999 and the Motor Accidents (Lifetime Care and Support) Act 2006.
Three of the 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 referred to as at fault driver cover.
None of the insurers offers additional features other than at fault driver cover.
At fault driver cover is a worthwhile feature because under the greenslip scheme the driver at fault in an accident is not covered to the same extent as other people, unless catastrophically injured.
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 insurers' position, the schedule of benefits and some notable exclusions. More information on at fault driver cover is available on this site.
Before purchasing a greenslip you should refer to the insurers' policy document to understand the full terms applying to the insurers at fault driver cover.
| Insurer | Additional Feature - At Fault Driver Cover |
| AAMI | None. |
| ALLIANZ | At-Fault Driver Protection Insurance is provided with some greenslips. Allianz At-Fault Driver Protection Insurance 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 At-Fault Driver Protection Insurance Policy contains limitations, exclusions and conditions which you should check. The policy document is on the Allianz website. |
| CIC ALLIANZ | None. |
| GIO | Driver Cover Plus is provided with some greenslips. Driver Cover Plus compensates drivers, who cause a motor vehicle accident and are injured, or the driver's estate or dependants if the driver at fault is killed as a result of a motor vehicle accident. Certain drivers and vehicles are excluded from coverage and the Driver Cover Pus Policy contains limitations, exclusions and conditions which you should check. The policy document is on the GIO website. |
| NRMA INSURANCE | At-fault Driver Cover is provided with some greenslips. NRMA Insurance Compulsory Third Party At-fault Driver Cover 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 At-Fault Driver Policy contains limitations, exclusions and conditions which you should check. The policy document is on the NRMA website. |
| QBE | None. |
| ZURICH | Since March 2016, Zurich does not offer CTP insurance in NSW. Existing CTP customers with At-Fault Driver Cover will be covered until their policy expires. |
| 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 of the period of the CTP insurance. |
| GIO | Motor Bikes. Drivers under 25 years, unless the vehicle is also comprehensively insured with GIO. Goods carrying vehicles with a gross vehicle mass greater than 4.5 tonnes. |
| NRMA Insurance | Motor Bikes. Goods carrying vehicles with a gross vehicle mass greater than 4.5 tonnes. |
| Zurich* | Motor Bikes. Drivers under 25 years. Goods carrying vehicles with a gross vehicle mass greater than 4.5 tonnes. CTP greenslips issued on a quarterly or six monthly basis. |
* Since March 2016, Zurich does not offer CTP insurance in NSW. We retain this information for existing customers with At-Fault Driver Cover.
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 insurers policy documents. For a full list of exclusions, you need to refer to those policy documents.
| Schedule of Benefits | ||||
| Allianz | GIO | NRMA Insurance | Zurich* | |
| Quadriplegia | $250,000 | $300,000 | $500,000 | $300,000 |
| Paraplegia | $100,000 | $150,000 | $250,000 | $100,000 |
| Total loss of power of speech | - | $100,000 | $100,000 | - |
| Total loss of hearing | - | $100,000 | $100,000 | - |
| Permanent / total loss of sight in one eye | $25,000 | $50,000 | $50,000 | $25,000 |
| Permanent / total loss of sight in both eyes | $50,000 | $100,000 | $100,000 | $50,000 |
| Total loss of sight in one eye, the other eye being blind or absent | - | - | - | $50,000 |
| Amputation or removal of both hands and both feet | - | - | $150,000 | - |
| Amputation or removal of one hand and one foot | - | - | $100,000 | - |
| Amputation or removal of both hands | - | - | $75,000 | - |
| Amputation or removal of both feet | - | - | $75,000 | - |
| Amputation or removal of one hand | - | - | $50,000 | - |
| Amputation or removal of one foot | - | - | $50,000 | - |
| Amputation or removal of thumb and forefinger on one hand | - | - | $25,000 | - |
| Amputation or removal of both ears | - | - | $5,000 | - |
| Amputation or removal of one ear | - | - | $2,500 | - |
| Amputation of both hands and both feet | - | $100,000 | - | - |
| Amputation of one hand and one foot | - | $100,000 | - | - |
| Amputation of one hand | - | $20,000 | - | - |
| Amputation of one foot | - | $20,000 | - | - |
| Loss of or permanent total loss of use of one limb | $50,000 | - | - | - |
| Complete and permanent loss of the effective use of part of one hand | - | - | - | $50,000 |
| Complete and permanent loss of the effective use of part of one foot | - | - | - | $50,000 |
| Fractured pelvis | - | $10,000 | $10,000 | - |
| Fractured skull | - | $10,000 | $10,000 | - |
| Fractured vertebrae (Process or body) | - | $10,000 | $10,000 | - |
| Laceration of liver | - | $10,000 | $10,000 | - |
| Laceration of kidney | - | $10,000 | $10,000 | - |
| Laceration of spleen | - | $10,000 | $10,000 | - |
| Laceration of lung | - | $10,000 | $10,000 | - |
| 3rd degree burns (Burns sustained to 10% of body or greater) | - | $20,000 | $20,000 | - |
| Fractured ribs (Greater than 4) | - | $10,000 | $10,000 | - |
| Fractured sternum | - | $10,000 | $10,000 | - |
| Fractured upper arm | - | $2,000 | - | - |
| Fractured lower arm (Excluding fractures of hand) | - | $2,000 | - | - |
| Fractured upper leg | - | $2,000 | - | - |
| Fractured lower leg (Excluding fractures of foot) | - | $2,000 | - | - |
| Fractured arm (Excluding shoulder and/or hand) | - | - | $2,000 | - |
| Fractured leg (Excluding foot) | - | - | $2,000 | - |
| Loss of teeth (5 or more) | - | - | $4,000 | - |
| Death | $10,000 | $10,000 | $25,000 | $20,000 |
| Benefits | 6 | 25 | 29 | 8 |
* Since March 2016, Zurich does not offer CTP insurance in NSW. We retain this information for existing customers with At-Fault Driver Cover.
If there is more than one injury, Allianz and Zurich will only pay one benefit, the highest single benefit. In the event of death, those insurers will only pay the death benefit.
Excluding paraplegia and quadriplegia, if there is more than one injury, GIO will pay combined benefits to a total of $100,000.00. If one of the injuries is paraplegia or quadriplegia, GIO will pay only that benefit. In the event of death, GIO will only pay the death benefit.
Excluding paraplegia and quadriplegia, if there is more than one injury, NRMA will pay combined benefits to a total of $150,000.00. If one of the injuries is paraplegia or quadriplegia, NRMA will pay only that benefit. In the event of death, NRMA will only pay the death benefit.
Ease of Purchase Online
Of the six greenslip insurers, two do not offer any online quotation or purchase facility.
Of the four insurers who do offer the opportunity to obtain a quote or purchase a greenslip online, the quality of the online experience is good.
| Insurer | Process |
| AAMI | An online quote and purchase facility is provided. |
| ALLIANZ | No online quote or purchase facility. |
| CIC ALLIANZ | No online quote or purchase facility. |
| GIO | An online quote and purchase facility is provided. |
| NRMA INSURANCE | An online quote and purchase facility is provided. |
| QBE | An online quote and purchase facility is provided. |
Ease of Purchase by Phone
Even by phone, access to insurers is varied.
For just one insurer, a real person answers the phone initially. The 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 | 8.00am to 6.00pm Weekdays. 8.00am to 1.00pm Saturday. | A real person answers the phone. You will be connected to another real person who will deal with your enquiry or transaction. |
| ALLIANZ | 13 10 00 | 7.00am to 7.00pm Weekdays. 9.00am to 3.00pm Saturday. | Automated menu driven system. |
| CIC ALLIANZ | 1300 360 340 | 7.00am to 7.00pm Weekdays. 9.00am to 3.00pm Saturday. | Automated menu driven system. |
| GIO | 13 10 10 | 8.00am to 8.00pm Weekdays. 8.00am to 1.00pm Saturday. | Automated menu driven system. |
| NRMA INSURANCE | 132 132 | 7.00am to 10.00pm 7 days. | Automated menu driven system. |
| QBE | 133 723 | 8.00am to 7.00pm Weekdays. 8.00am to 1.30pm Saturday. | Automated menu driven system. |
Ease of 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 very restrictive, depending on the insurance company and where you live.
| Insurer | NSW Offices | Opening Times | Locations |
| AAMI | - | - | AAMI does not distribute through brokers or agents. |
| ALLIANZ | Motor Dealers | - | Many of the major motor dealers. |
| CIC ALLIANZ | - | - | CIC Allianz greenslips can be purchased at Allianz Head Office, 2 Market Street, Sydney. CIC Allianz products are distributed through brokers and agents. CIC Allianz will not provide information to help you find a broker or agent. |
| GIO | 30+ | Weekdays, business hours. | Check on the GIO website for branches and agents near you. |
| NRMA INSURANCE | 220 | Various | Check on the NRMA website for branches and agents near you.. |
| QBE | - | - | QBE green slips are distributed through selected brokers and agents. |
Terms & Conditions
No greenslip insurer provides a schedule of Terms & 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 Motor Accidents Compensation Act 1999 and the Motor Accidents (Lifetime Care and Support) Act 2006. The performance of each greenslip insurer in this respect is monitored by State Insurance Regulatory Authority (was Motor Accident Authority).
Where insurers provide some form of at fault driver protection as part of the greenslip, those insurers do provide some form of policy document for at fault driver cover.
Other than the terms for at fault driver cover, the greenslip terms offered by all insurers are the same.
| Insurer | Terms & Conditions |
| AAMI | No schedule of Terms & Conditions or Product Disclosure Statement is provided for greenslips. |
| ALLIANZ | No schedule of Terms & Conditions or Product Disclosure Statement is provided for greenslips. A Policy Document is provided for the Allianz At-Fault Driver Protection Insurance. |
| CIC ALLIANZ | No schedule of Terms & Conditions or Product Disclosure Statement is provided for greenslips. |
| GIO | No schedule of Terms & Conditions or Product Disclosure Statement is provided for greenslips. A Policy document is provided for the Driver At Fault Cover. |
| NRMA INSURANCE | No schedule of Terms & Conditions or Product Disclosure Statement is provided for greenslips. A Policy document is provided for the Compulsory Third Party At-fault Driver Cover. |
| QBE | No schedule of Terms & Conditions or Product Disclosure Statement is provided 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 only charge premiums 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 a lack of claims are already reflected in the greenslip price, provided the price being applied is the appropriate one 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). There is no visibility or explanation of the basis of calculation of the discount for product bundling.
In fact, the reality is that discounting the greenslip price on the basis of product bundling is not permitted under paragraph 4.2.2 of the SIRA Premiums Determination Guidelines.
Some insurers 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 insurers website and speak to your insurer.
| Insurer | Discount on Other Products for having a CTP Green Slip |
| AAMI | None. |
| ALLIANZ | None. |
| CIC ALLIANZ | None. |
| GIO | GIO offers multi-policy discounts. GIO will give a discount $50.00 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 website 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 website for full terms and exclusions. |
| QBE | None. |
RMS Notification Online
All insurers will notify Roads and Maritime Services (RMS) electronically of the greenslip purchase.
Generally, subject to clearance of funds, notification will go through to RMS within 30 to 60 minutes of an approved greenslip purchase.
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