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What is Compulsory Third Party Insurance (CTP)?

CTP Insurance essentially provides compensation to crash victims where the owner or driver of a registered South Australian vehicle is at fault. It may also cover crash victims where a passenger is at fault.

Vehicle owners pay a fee with their registration to cover this insurance. For current fees click here for the Premium Schedule.

CTP Insurance:

  • covers passengers, pedestrians, cyclists and other road users.
  • provides cover 24 hours a day, Australia wide.
  • compensates for reasonable treatment and other expenses.

It does not:

  • provide full compensation for persons who contribute to their injuries.
  • cover injuries to the driver who is entirely at fault.
  • cover damage to vehicles or property.

Who is compensated?

South Australia largely has a common law scheme that is based on the principles of negligence. To be compensated, an injured person must prove that another (insured) person was at fault.

An injured driver in a single vehicle crash is usually ineligible for compensation. However, if a passenger is injured in a single vehicle crash, generally that person can attribute blame to the driver and is therefore entitled to claim compensation.