CTP Insurance NSW: Green Slips

From the different types of Green Slip, to how you’re protected and what you’re actually covered for, this article will cover some of the key points worth considering when it comes to the Green Slip.
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What is Green Slip car insurance?

The Green Slip in NSW is also referred to as CTP insurance across most other states of Australia. In short, it’s a car insurance policy that provides compensation for people killed or injured in a motor vehicle accident1.

Without it, you could end up personally accountable for the compensation costs that occur when people sustain injuries, if you’re the person that causes the accident2. The price of compensation costs can be quite large, ranging from thousands to even hundreds of thousands of dollars.

What is the difference between CTP insurance and the Green Slip in NSW?

In NSW, drivers are expected to choose their own CTP insurance provider before they register their vehicle. You’re able to buy a Green Slip through a number of outlets or licensed insurers, and there are five insurers licensed to provide Green Slips across NSW, and most of these providers are able to offer you quotes online, although you can call them and speak to them directly over the phone if that is more convenient for you3.

The five insurers licensed to provide you with a Green Slip in NSW are:

  • AAMI
  • Allianz
  • GIO
  • NRMA
  • QBE

Each policy can differ, so it’s up to you to work out which policy suits your requirements best. Once you’ve purchased your policy, your chosen insurer will then work with Roads and Maritime Services (RMS) to facilitate a seamless and prompt registration of your vehicle3.

What does Green Slip insurance cover in NSW?

The Green Slip covers all injured parties in a road accident, regardless of who is determined at fault. However, it’s important to note that this doesn’t apply if the driver is charged with a dangerous driving offence.

The Green Slip allows you to claim up to six months (26 weeks) of the following:

  • If your injuries result in you having to take time off of work, you’re able to claim a percentage of your pre-injury weekly income
  • If you need home support services to help you get back on track after a road accident, you’re entitled to claim for commercial attendant care
  • Any necessary treatment and rehabilitation expenses are covered within reason (the amount you’re able to claim back will differ depending on your policy)

If you find yourself seriously injured after being involved in an accident that wasn’t your fault, you may also be able to claim benefits past the 6-month time span4.

Who does my Green Slip cover?

Anyone injured by your vehicle is covered by this policy including the following:

  • You, your passengers or anyone else driving or riding your vehicle
  • The drivers, passengers and riders of any other vehicles that are injured by your vehicle in the accident
  • Cyclists, pedestrians and other road users that are injured by your vehicle

What isn’t covered under a Green Slip policy?

It’s important that you’re aware that the Green Slip or CTP insurance does not cover the damage made to any vehicles that are involved in the collision. Note that it doesn’t cover damage to any properties that are damaged either.

For coverage of third party property or your vehicle, you may consider investing in an additional Comprehensive, Third Party Property or Third Party Fire and Theft policy.

Types of Green Slips

Generally, there are two different types, leaving the average driver with the choice between either a 6-month or 12-month policy. If you’re a motor dealer or a fleet owner, the options may vary more when it comes to picking a policy.

If you drive a historic vehicle, a purpose-built vehicle, or any other limited road access vehicles, you may be able to take out an unregistered vehicle permit or even conditional registration.

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