CTP Green Slip Insurance NSW

NSW CTP Green Slip insurance is compulsory insurance privately underwritten by licensed insurers. You must purchase CTP insurance before you can register a vehicle in NSW. It insures you and anyone else driving your vehicle against financial liability for a third party’s injury or death. Statutory benefits, including income replacement and medical expenses, are payable in these circumstances. The laws associated with the NSW CTP scheme determine the benefits payable. In some situations, your CTP insurer may also pay damages.

Refer to the State Insurance Regulatory Authority for more information.

In 1942, The New South Wales Government made CTP insurance compulsory to protect people injured due to the actions of other drivers. The NSW CTP scheme covers the injured person’s ongoing medical and hospital costs, loss of income and, in the case of severe injuries, the ongoing care of the injured person. The laws associated with the scheme determine the benefits payable. In some cases, damages for non-economic loss are payable.

The statutory benefits and/or damages payable related to the death of, or injury to, people involved in a motor vehicle accident.

Refer to the State Insurance Regulatory Authority for more information.

Your NSW CTP insurance policy doesn’t cover accidental damage to vehicles or property.

If a driver injures you in an accident, the at-fault party’s CTP insurer will cover you unless the State charges you with a serious driving offence. The cover can include income replacement, reasonable medical expenses and care. The cover’s extent will depend on whether you are at fault for the accident. The laws associated with the NSW CTP scheme determine the benefits payable.

Refer to the State Insurance Regulatory Authority for more information.

As long as your car is registered and has a CTP policy, your CTP insurer will manage claims against you for negligent driving on your behalf.

Insurers determine CTP insurance costs the State Insurance Regulatory Authority (SIRA) regulates them. SIRA publishes premiums on its website. Rates consider the frequency of accidents and average claims costs for the class of vehicle, whether the owner has a right to claim a GST Input Tax Credit, and the insurer’s administration and claims handling costs.

There are differences in service levels and premiums. Some insurers may offer additional benefits or coverage.

Yes. We offer a Good Driver Discount for drivers with nil demerit points. This discount is dependent on the type of car as well as the age of the car and the owner (and other drivers).

Please call us on 1300 096 342 to see if the Good Driver Discount can be applied. If your NSW Driver Licence has been suspended or cancelled, or you’re using an interstate or overseas driver licence, it can’t be applied.

If you don’t have CTP insurance for your car or your current policy is due for renewal, use our NSW Green Slip portal to get a quote or contact us on 133 723.

If your NSW Green Slip has been used to register your car, it remains linked to your car’s registration for the registration term. Policy cancellation is only possible if you hand in your car’s registration plates to Transport for NSW (TfNSW). You can’t cancel a NSW Green Slip and seek a refund if you change your mind. Your policy must remain in force as long as TfNSW registers your car.

When you hand in your car’s registration plates, Transport for NSW (TfNSW) will give you a “Confirmation of Cancelled Registration” letter. You must forward this letter to us to initiate policy cancellation. We will issue a refund cheque within 30 days of receipt. Please forward your Confirmation of Cancelled Registration letter to:

We can only refund the registered operator nominated on the letter. If you’ve recently changed your address, please note the change on the “Confirmation of Cancelled Registration” letter and include your initials as acknowledgement.

If you purchase NSW CTP insurance but don’t register your car, we may not be able to initiate a refund until the use-by date has passed. For six-month registrations, the use-by date is 21 days after the registration start date. For other registration terms, it’s three months. Transport for NSW records CTP Green Slip purchases on its system until the use-by date has passed, so you can use your NSW Green Slip to register your car within this period. If you use a different Green Slip to register your car before the use-by date, we can issue the refund. Otherwise, we need to wait until the use-by date has passed.

You’re entitled to a CTP Green Slip refund, once you hand in your NSW registration plates, based on the unused portion of the Green Slip. You can do this at a service centre in NSW or the equivalent interstate transport authority. Once you supply us with the “Confirmation of Cancelled Registration” letter, or interstate equivalent, we’ll initiate policy cancellation and a refund for the unexpired portion of your NSW CTP insurance within 30 days. Please forward your Confirmation of Cancelled Registration letter to:

You may be entitled to a pro-rata Green Slip refund once your NSW registration plates are removed from the car and handed to Transport for NSW (TfNSW). Once we receive your “Confirmation of Cancelled Registration” letter, we’ll cancel your policy and issue a refund for the unexpired portion of your NSW Green Slip within 30 days. Please forward your letter to:

We will calculate your refund on a pro-rata basis for the number of days of the unused or unexpired portion of your Green Slip, minus an administration fee of $15.

Your NSW CTP Green Slip insurance automatically transfers to the new owner if your car is registered when you sell it. You won’t be entitled to a refund of the premium paid if you sell your car unless you deregister and hand in the plates to NSW Services.

The Lifetime Care and Support Scheme (LTCS) was established under the Motor Accidents (Lifetime Care & Support) Act 2006 to provide treatment, rehabilitation and attendant care to people who have been severely injured in a motor accident, regardless of who was at fault in the accident. The severity of the person's injuries determines eligibility for the scheme. Most eligible people have a spinal cord injury, a moderate to severe brain injury or, in some cases, serious burns or amputations.

The Lifetime Care & Support Authority (LTCSA) administers the scheme, which applies to all severely injured people. There are levies in your total premium which fund this scheme. Refer to the State Insurance Regulatory Authority for more information.

Insurers set prices regulated by the State Insurance Regulatory Authority (SIRA). Factors like your age, location, vehicle type, where you garage your vehicle and whether it is for private or business use will determine your CTP Green Slip NSW premium.

Get a QBE NSW Green Slip quote.

You can change CTP insurer at renewal. Get a NSW Green Slip quote from QBE or your chosen insurer and buy your Green Slip online or over the phone. Have your Certificate of Registration and NSW Driver Licence on hand to help you answer questions. The changeover will occur at the start of your three, six or 12-month vehicle registration period.

You can claim CTP insurance in NSW with QBE within 28 days of being injured in a car accident. You may receive compensation in the following circumstances:

• A QBE CTP insurance NSW policyholder injures you in an accident while driving.
• You’re a QBE CTP policyholder injured in an accident while driving, and you’re at fault.

Submit your claim through the State Insurance Regulatory Authority (SIRA) CTP Connect portal. You’ll need basic contact details, details of the accident and the registration numbers of the involved vehicles.

You may also claim via email, post or phone. You’ll need to complete an Application for Personal Injury Benefits and a Certificate of Fitness. Send your completed claim to [email protected] or GPO Box 7037, Sydney, NSW 2001 or call 133 723.