Compulsory Third Party Insurance (CTP) insurance covers your liability and the liability of anyone else who drives your vehicle for injuries that might be caused to other road users in a motor vehicle accident. CTP insurance is required before you can register your vehicle.
CTP insurance provides the following cover Australia-wide, 24 hours a day:
Since 1 July 2016, CTP policies have been automatically assigned to CTP insurers by the SA CTP Regulator. From 1 July 2019, you will be free to choose your CTP insurer during your vehicle registration process.
You will receive all four Government approved insurers’ CTP premiums and claimant survey ratings on your registration renewal notice to help with this choice. For more information, visit the SA CTP Insurance Regulator
Allianz is one of the largest CTP insurers in Australia. Why not make the switch today to find out why the drivers of around 2 million vehicles in Australia are covered by Allianz CTP insurance.
If you have been injured in a motor vehicle accident and wish to make a claim for your injuries please follow the link below.
The name of your current CTP Insurer appears on your registration renewal notice, under the Your Details section (which appears near the top-right corner of the notice).
Alternatively, you can use the EzyReg system or call the CTP Regulator Enquiries Line on 1300 303 558.
You can choose to insurer with Allianz at the time you renew your vehicle’s registration in one of two ways.
The CTP Regulator conducts periodic claimant surveys. Claimants are surveyed approximately three months after lodging a claim, and include claimants that are receiving legal representation. The survey questions focus on Responsiveness, Information Usability, Staff Professionalism and Communication. The survey results in the calculation of a published claimant satisfaction score, expressed as a percentage, which is displayed on registration renewal documents next to each Approved Insurer.
You can renew your registration online, visit EzyReg
You can also visit a Service SA Centre with your registration renewal notice
The SA CTP Insurance Regulator sets a maximum and a minimum price that can be charged for CTP insurance for each type of vehicle. CTP insurers are free to set their prices anywhere within this range. The maximum and minimum prices may vary from time to time due to changes in economic factors and/or the cost of CTP claims across the industry. Your CTP premium will be shown on your registration renewal notice.
To learn more about premiums and how they are set, visit the SA CTP Insurance Regulator
Compulsory Third Party (CTP) Insurance provides compensation to accident victims where the owner or driver of a registered South Australian vehicle is at fault.
For more information about CTP insurance, please visit http://www.ctp.sa.gov.au/vehicle-owners/about-ctp-insurance
The common forms of compensation payments are made for:
Reductions in compensation may apply in relation to:
We may authorise payment for treatment expenses including, but not limited to the following:
All providers of medical and allied health services (e.g. physiotherapy, chiropractic, hydrotherapy and massage treatment) must be WorkCover accredited, or your expenses may not be covered. Payment of accounts for these treatments will be made at WorkCover gazetted rates.
The injured person (in the case of someone 16 years or older) is technically responsible for treatment expenses incurred prior to claims being settled. While Allianz has no legal obligation to pay accounts progressively, it does so providing certain conditions are met. It is advisable to enquire about the cost of treatment and eligibility for progressive payments before agreeing to treatment.
Allianz considers making progressive payments on treatment accounts on a case by case basis.
Payment of accounts by Allianz may occur when:
You will be required to fully co-operate with Allianz, which may include completing an Accident Report Form and returning it to Allianz. Penalties of up to $5,000.00 can apply for failing to co-operate with Allianz.
In some circumstances, the CTP compensation paid to the injured person may be recovered from you if, for example you:
The money recovered from you may include injury compensation and claims' management costs. This can amount to many thousands of dollars.
Please be wary of uninvited contact about potential motor vehicle accident claims, whether you have or haven’t been involved in an accident. They may offer to refer you to a claims, compensation, government or legal service – however, this contact may be deceptive or misleading about your eligibility to make a claim, or your eligibility for compensation. This is referred to as ‘claim farming’.
We strongly recommend anyone receiving such contact to protect their personal information.
Find out more information on claims farming, including how to report it.
No, you do not need legal advice, although your option to appoint legal representation remains.
The right to legal representation has not changed but new thresholds are in place for the reimbursement of legal fees. Legal costs through the CTP Scheme are no longer being awarded if the total compensation payment is $25,000 or less. Limitations also apply to claims where the total amount of compensation is between $25,000 and $100,000.
Irrespective of the legal costs that may be recoverable, there will always be a component of any legal fee (usually called solicitor client fees) that is not claimable from the CTP insurer. Therefore, you should ask your solicitor to fully explain their billing practices. Your lawyer should provide you with the following information in writing: