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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. 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.

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