Green slip comparison
As well as the cheapest greenslip, consider other factors when buying your greenslip.
Look at any additional features on offer from greenslip insurers: ease of purchase (online, by phone or in person), terms and conditions and any further discounts.
The tables below help you compare these features for each greenslip insurer.
All greenslip insurers provide the statutory cover required under the Acts*.
One insurer, NRMA Insurance, offers an additional feature generally called At-Fault Driver Cover. Its Driver Protection cover provides benefits for drivers where the driver is injured and at fault in a road accident.
No insurer offers any other additional feature, except for At-Fault Driver Cover.
At-Fault Driver Cover was first offered under the old greenslip scheme. This is because the driver at fault in an accident was not covered to the same extent as other people, unless catastrophically injured. However, under the 2017 green slip scheme and since 1 April 2023, drivers at fault can claim statutory benefits for up to 12 months.
At-Fault Driver Cover is limited by policy wording and exclusion, specific injuries, and the amounts set out in the insurer’s schedule of benefits. The tables below show each insurer’s position, the schedule of benefits and some notable exclusions. More information on At-Fault Driver Cover is on this site.
Before buying a greenslip, always refer to the insurer’s policy document to understand the full terms applying to At-Fault Driver Cover.
|Insurer||Additional feature: At-Fault Driver Cover|
|ALLIANZ||Since 1 September 2021 Allianz no longer offers At-Fault Driver Protection insurance.|
Driver Protection Cover is automatically provided with NRMA Insurance greenslips.
NRMA Driver Protection provides benefits to some drivers for certain serious injuries if they have a car accident that is their fault.
Notable exclusions from At-Fault Driver Cover
|NRMA INSURANCE||Motor bikes
Goods carrying vehicles with a gross vehicle mass over 4.5 tonnes
Hire vehicle, taxis, tow trucks and buses
We have listed the exclusions which we think are notable. The insurer will reject payment on the basis of many other exclusions. Those other exclusions are listed in the insurer policy documents. For a full list of exclusions, refer to the policy document.
|Schedule of benefits||NRMA Insurance|
|Total loss of speech||$100,000|
|Total loss of hearing||$100,000|
|Total loss of sight in both eyes||$100,000|
|Total loss of sight in one eye||$50,000|
|Loss of both hands and both feet||$150,000|
|Loss of one hand and one foot||$100,000|
|Loss of both hands or both feet||$75,000|
|Loss of one hand or one foot||$50,000|
|Loss of thumb and forefinger on one hand||$25,000|
|Fractured spinal vertebrae||$10,000|
|Death within 6 months of accident||$25,000|
NRMA Insurance pays only 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, NRMA does not pay the death benefit as well.
All six insurers offer online quotes and purchase.
All insurers use a menu before you can speak to a real person.
|Insurer||Phone number||Available times||Process|
|AAMI||13 22 44||
8am to 10pm, 7 days
8am to 6pm, Weekdays
8am to 5pm, Weekends
|GIO||13 10 10||
8am to 10pm, 7 days
|NRMA INSURANCE||132 132||
7am to 10pm, 7 days
8am to 8pm, Weekdays
8am to 1.30pm, Saturday
|YOUI||1300 004 007||
8am to 4pm, Weekdays
Some insurers operate their own branch network and others sell through agents.
Access to purchase a greenslip in person can be restrictive, depending on the insurer and where you live.
|Insurer||NSW offices||Opening hours||Locations|
|AAMI||–||–||AAMI does not distribute through brokers or agents, can pay at Post Office|
|ALLIANZ||Motor dealers||–||Many major motor dealers|
|GIO||30+||Weekdays, business hours||
Check GIO site for branches and agents near you, can pay at Post Office
Check NRMA Insurance site for branches and agents near you, can renew at Post Office
QBE green slips are distributed through selected brokers and agents, including Post Office.
No payments accepted in person at QBE.
|YOUI||None, can pay at Post Office|
All insurers offer the same terms for greenslips. NRMA Insurance offers additional terms for Driver Protection Cover. To be allowed to issue greenslips, all greenslip insurers must provide the statutory cover required under the Acts*.
State Insurance Regulatory Authority (SIRA) monitors the performance of each greenslip insurer.
No greenslip insurer provides a schedule of Terms and Conditions or a Product Disclosure Statement for CTP greenslips. NRMA Insurance provides a policy document for Driver Protection Cover.
Greenslip prices are determined by each insurer, after consideration of many factors. These include location, vehicle and driver age, claims history and driving record. Insurers can charge premiums only on the basis submitted to SIRA and not rejected by SIRA.
Discounts for factors such as a good driving record and lack of claims are already reflected in the greenslip price. This is as long as the price applied is based on accurate vehicle and owner characteristics.
Some insurers offer discounts on other insurance products if you buy their green slips (product bundling). They offer discounts on certain insurances (such as comprehensive vehicle insurance) on the basis that a greenslip and other products are bundled with that insurer.
The table below shows a summary of discounts offered by each insurer on other insurance products. For more information on these discounts, check the insurer’s site or speak to your insurer.
|Insurer||Discounts on other products with insurer CTP green slip|
If you already have an AAMI greenslip, you can save 20% when buying a new comprehensive insurance policy online.
If you already have comprehensive insurance, you cannot receive any discount on your greenslip.
|GIO||GIO offers 10% multi-policy discounts for 3 or more eligible policies.
GIO will give a $50 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 Loyalty Discounts.
If you bundle your CTP Greenslip with other NRMA Insurance products, NRMA Insurance offers Loyalty Discounts on certain other insurance products.
The more eligible policies you have and the longer you have been with NRMA, the greater the Loyalty Discount.
The discount does not apply to commercial policies.
Check the NRMA Insurance site for full terms and exclusions.
All insurers notify Service NSW online when you buy your greenslip.
Subject to clearance of funds, Service NSW usually receives notification within 30 to 60 minutes of an approved greenslip purchase.
* 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 it was under Motor Accidents Compensation Act 1999 and Motor Accidents (Lifetime Care and Support) Act 2006.
1. Does it matter who my green slip is with?
No, all green slips provide exactly the same cover. Even so, you may consider:
- Is it easy to buy? – online, by phone or at a branch, agent or post office.
- Is there any extra At-Fault Driver Cover?
- Are there insurer discounts on other products if I have its green slip?
- Do I have an existing relationship with an insurer?
2. Is it easy to buy a green slip?
Yes, it is easy to buy a green slip. All NSW CTP insurers offer online and phone purchase. However, some insurers also operate branches or sell through agents:
- Allianz sells through major motor dealers.
- GIO and NRMA Insurance use branches and agents.
- QBE sells through selected brokers and agents.
- AAMI and Youi are online only.
3. What is At-Fault Driver Cover?
At-Fault Driver Cover is extra cover on top of statutory benefits provided by a green slip. It offers further benefits for drivers who are injured in a road accident that was their fault. Currently, NRMA Insurance offers extra coverage for at-fault drivers with its Driver Protection Cover.
4. Can you negotiate a green slip?
No, you cannot negotiate a green slip because prices are regulated and further discounts are not allowed. The price of a green slip is already discounted for your location, vehicle and driver age, driving record, safe vehicle and other factors.
5. Can I get discounts on my green slip?
No, you cannot get discounts on your green slip. The price of your green slip is already discounted for any favourable factors. However, AAMI, GIO and NRMA Insurance offer discounts on other insurance products if you hold your green slip with them. These include multi-policy discounts, loyalty discounts or discounts off a new policy.