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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*.

One insurer provides 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 insurer’s schedule of benefits.

The tables below offer an overview of the 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 Since 1 September 2021 Allianz no longer offers At-Fault Driver Protection insurance to new or renewing customers with CTP Insurance. For existing customers, At-Fault Driver Protection Insurance Policy cover will continue until their policy’s next due date.
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

 

 
Notable exclusions from At-Fault Driver Cover
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. 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, you need to refer to the policy document.

Schedule of benefits NRMA Allianz*
Quadriplegia $500,000 $250,000
Paraplegia $250,000 $100,000
Loss of or total permanent loss of use of one limb   $50,000
Total loss of speech $100,000  
Total loss of hearing $100,000  
Loss of entire sight in one eye $50,000 $25,000
Loss of entire sight in both eyes $100,000 $50,000
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  
Death within 6 months of accident $25,000 $10,000
Total benefits 16 6

*We include these benefits for customers of Allianz who have existing policies only. Allianz pays only one benefit for any motor accident. This will be the highest of the applicable benefits.

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 insurers offer online quotes or purchase.

Purchase by phone

All 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

Automated menu driven system
ALLIANZ 13 1000

8am to 9pm

Weekdays

8am to 5pm

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 5pm

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*.

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 continues to provide a policy document for existing holders only of 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.

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 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 for three or more eligible policies.
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 Loyalty 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

Service NSW notification online

All insurers electronically notify Service NSW of the greenslip purchase.

Subject to clearance of funds, notification will usually go through to Service NSW 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 these were Motor Accidents Compensation Act 1999 and Motor Accidents (Lifetime Care and Support) Act 2006.

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