SA CTP Insurance

World-class cover, local support
Generally, Compulsory Third Party Insurance (CTP) 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 needed before you can register your vehicle.
Our SA-based CTP specialists are here to support you during the claims process
Allianz Australia is one of the largest general insurers in Australia and part of the global Allianz Group
Allianz voted IBA General Insurer of the Year – 2022
CTP insurance provides the following cover Australia-wide, 24 hours a day:

  • Your liability
  • Injuries caused to passengers, pedestrians, cyclists and other road users, including drivers who are not at fault
  • Attached trailers
  • Injuries caused through use of a trailer, when attached to a registered vehicle

  • Damage to vehicles or property
  • To cover yourself for damage caused to property by your vehicle (Legal Liability), you may wish to consider Allianz Motor Insurance
  • Ignoring road rules
  • Compensation may be reduced for victims who ignore certain basic road rules
  • At fault drivers
  • Doesn’t compensate an injured driver that is entirely at fault

An insured person may not be entitled to cover if the insured person breaches the statutory warranties under the statutory CTP policy of insurance. For example, driving while under the influence of drugs or alcohol. Read the Policy of Insurance for more information.

Drivers are free to choose a CTP insurer when renewing their vehicle registration.

All five government approved insurers' CTP premiums and claimant survey ratings appear on your registration renewal notice to help with this choice. For more information, visit the SA CTP Insurance Regulator.

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South Australia’s CTP regulator. Visit their website to find frequently asked questions for both injured people and vehicle owners.
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The Lifetime Support Scheme (LSS) is a no-fault scheme providing necessary and reasonable treatment, care and support for people who sustain serious lifelong injuries in a crash. The Lifetime Support Authority (LSA) administers the LSS.
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In South Australia, you can use the EzyReg system to renew your vehicle registration and CTP online. Visit the website for more details about EzyReg in South Australia.
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Service SA provides access to a range of government services and information online, over the phone and at various locations throughout South Australia.
Have you been involved in a motor vehicle accident? Making a claim with us is quick and simple. Find out what’s involved and what you’ll need to make a claim
Generally, CTP Insurance covers your liability and the liability of anyone who drives your vehicle for any injuries that might be caused to other road users in any accident.

For more information, visit the CTP insurance website.

Generally, Compulsory Third Party (CTP) personal injury insurance covers injury caused to third parties when you or the person driving your vehicle is the driver at fault in an accident. Third parties include your passengers and other road users, such as drivers, passengers of other vehicles, pedestrians, cyclists, motor cyclists and pillion passengers.

In some circumstances, the CTP compensation paid to the injured person may be recovered from you if, for example, you:

  • Drove an unregistered vehicle
  • Were under the influence of alcohol or drugs
  • Were speeding or driving dangerously
  • Intentionally caused injury
  • Drove a vehicle without the owner's permission
  • Don't hold a current driver's licence
  • Drove an unroadworthy or overloaded vehicle

The money recovered from you may include injury compensation and claims' management costs. 

No, CTP Insurance doesn’t cover damage to your vehicle, other vehicles or property. It’s necessary to take out separate car insurance to be covered for these events. 

To find out more about other options, see the dealer page for Allianz Motor Insurance.

If you suffer injuries from a motor vehicle accident and it’s shown that another driver was ‘at fault’, you may be entitled to make a claim for damages against the other driver’s CTP insurance policy. However, your damages will be reduced by the degree to which you were at fault.

If you are a driver totally at fault in the accident, you won’t be entitled to claim any benefits under your SA CTP Policy. However, if your injuries are severe, you may be entitled to make a claim under the government’s Lifetime Support Scheme. For more information on the eligibility requirements of this Scheme, visit Lifetime Support.

For more information on who can make a claim please visit the CTP SA website.

The Department of Planning, Transport and Infrastructure (DPTI) issues CTP insurance renewal notices, and provides premium collection services as part of the vehicle registration process. While it’s not necessary to contact Allianz to renew your CTP policy, we are available to answer any questions you might have. Simply call us on 1300 686 725.

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 insure with Allianz at the time you renew your vehicle’s registration by:

  • Tick a box: Registration renewal notices will include a list of all CTP insurers along with their corresponding price and claimant survey rating. Simply tick the box of your desired insurer when renewing your registration at a DPTI office.
  • Online nomination: If you are renewing your registration online, you’ll be provided with the choice of insurers along with their price and claimant survey rating.
The CTP Regulator conducts periodic claimant surveys. Claimants are surveyed approximately three months after lodging a claim. This includes 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.

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. This is likely due to changes in economic factors 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.

You can renew your registration online. Simply visit EzyReg.

You can also visit a Service SA Centre with your registration renewal notice.

If you have any other questions about renewing registration, you can call DPTI on 1300 361 021 or visit their website.

If you choose Allianz as your CTP insurer, the Department of Planning, Transport & Infrastructure (DPTI) sends Allianz daily transaction files with all the relevant policy, vehicle registration and payment information. It’s then uploaded into our system to create a policy record for each vehicle.

Premier Motor Insurance, Motor Insurance and Compulsory Third Party (CTP) Insurance are provided by Allianz Australia Insurance Limited (Allianz) ABN 15 000 122 850, AFS Licence No. 234708.

Any advice here does not take into account your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision please consider the relevant Product Disclosure Statement (PDS)/Policy Wording, Supplementary PDS (where applicable) & PDS update (privacy notice). These, together with the relevant Target Market Determination, are available on this website.