Motor Injury Insurance
What is CTP Insurance?
Motor Injury Insurance, or Compulsory Third Party (CTP) Insurance by its legal name, 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.
What does Third Party mean?
Third Party means you are protecting yourself from potentially being sued for damages if you cause injury to others (third parties). It also means drivers or passengers that are entirely at fault (ie the first party) are not eligible for compensation unless they are children under the age of 16.
What is the difference between Compulsory Third Party (CTP) and Third Party Property (TPP)?
CTP covers personal injury whereas TPP covers for property damage. Each is an insurance policy in their own right, with specific conditions that apply, for example an excess. A $510 (as at 1 January 2013) excess applies for a CTP Insurance Policy if you are more than 25% at fault for the cause of a crash and someone lodges a personal injury claim.
Does CTP insurance cover damage to property or other vehicles?
No. CTP Insurance provides compensation to people injured in crashes where the driver or owner of an SA registered vehicle is at fault. Damage to property or other vehicles is only covered if you have separate car insurance.
What if I don’t have CTP Insurance?
CTP Insurance is compulsory and forms part of your registration fees when you register your car. It is illegal not to register your car and there are hefty penalties for not doing so. Visit the Premiums section for more information.
Is my Gopher (electric wheelchair) covered under CTP?
Yes. As a service to members of the community with disabilities, MAC provides users of motorised wheelchairs with third party bodily injury insurance cover at no cost. No application is required. For further information visit the Department for Planning, Transport and Infrastructure website.