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What is CTP and what does it cover ?
Compulsory Third Party (CTP) Personal Injury Insurance, also known as a Green Slip, is mandatory in NSW and must be purchased before you can register your vehicle.
CTP covers your liability and the liability of anyone else who drives your vehicle, for injuries caused to others in a motor accident. It also provides you with access to medical expenses and weekly payments for lost income, for up to six months if you're injured and you're at fault. Conditions apply.
Visit the SIRA website for more information.
How to purchase
Purchasing a GIO NSW Green Slip online is easy with our RMS integration.
Simply provide us with your registration number and billing number and a record of your Green Slip purchase will be sent directly to RMS in minutes.
If you are a pensioner and eligible for the RMS auto registration renewal please click here.
On 1 December 2017, the NSW Government’s reforms to the CTP Green Slip scheme will come into effect. They are designed to provide better support for people injured on NSW roads and to make Green Slips more affordable.
Why we’re committed to the change
GIO is committed to making CTP insurance more accessible for all Australians, which is why we support the reform.
The current CTP scheme hasn’t undergone major change since 1999. We anticipate that reforms to the scheme will mean that more benefits can be passed on to our customers. Shifting from a CTP scheme that is focussed on lump-sum payouts to one that directs its energy towards rehabilitation of injured people should mean that we can offer a more affordable and efficient service for our customers.
What the changes mean for you
We’re changing the way we price NSW CTP insurance, while offering cover after an accident regardless of who’s at fault.
From 1 December 2017, changes will be made to our NSW CTP Green Slip product, in order to:
- reduce the cost of Green Slip premiums,
- reduce the time it takes to resolve a claim,
- increase the proportion of benefits provided to the most seriously injured road users, and
- reduce the opportunities for claims fraud and exaggeration. Purchasing a GIO NSW Green Slip online is easy with our RMS integration.
Green Slip refunds
When the new Green Slip scheme starts on 1 December 2017, prices will come down for most vehicle owners. From January 2018, a refund will be offered to eligible people as a direct result of the NSW Government's CTP Green Slip reforms.
To learn about Green Slip Refund, please visit the refund page on the State Insurance Regulatory Authority (SIRA) website.
Where can I find out more?
For more information about Green Slips and the changes to the CTP scheme, visit the State Insurance Regulatory Authority (SIRA) website.
Driver Cover Plus
From 1st December 2017 Driver Cover Plus will no longer be offered on a CTP new business or renewal for eligible customers*. If you have taken out a CTP policy as a new customer or as an existing customer before 1st December 2017, your Driver Cover Plus (DCP) policy is valid for the term of your CTP Insurance.
*The motor vehicle is a Class 1 Motor Car, Class 3c Goods vehicle (with Gross Vehicle Mass of 4.5t or less), or a Class 5 Primary Producer’s vehicle. The claimant is aged 25 years or older; or aged between 16 years and under 25 years and the motor vehicle was comprehensively insured with GIO.
Frequently asked questions
What is the Roads and Maritime Services?
The RMS is the NSW State Government agency responsible for:
- Improving road safety.
- Testing and licensing drivers and registering and inspecting vehicles.
- Managing the road network to achieve consistent travel times.
- You can find out more at service.nsw.gov.au
Who needs CTP Green Slip insurance?
CTP Green Slip Insurance is compulsory for all motor vehicles registered in NSW. CTP insurance is not required for Trailers and Caravans (vehicles towed by a registered vehicle).
I have just moved to NSW. How do I purchase a Green Slip?
If you have just moved to NSW and your vehicle is still registered interstate, you will still be able to purchase a Green Slip to establish your registration by providing a vehicle identifier.
If you have just moved from interstate or overseas and have bought a vehicle that is registered in NSW, you should ensure that the registration has been transferred into your name prior to purchasing a CTP policy. Failure to do so could mean you will be unable to purchase a policy.
What happens when I sell my vehicle?
CTP insurance is linked to the vehicle, not the owner, so if you sell your vehicle, the CTP policy will be transferred to the new owner.
The RMS automatically notifies the CTP insurer of this change.
Similarly, if you purchase a vehicle, the CTP insurance will already be placed with a CTP insurer. Remember to contact GIO with the details of your new vehicle and we can send you a Green Slip when your registration falls due for renewal.
If you have Motor Vehicle (not CTP) Insurance with GIO and you buy a new vehicle or sell your vehicle you need to contact us to let us know.
If you buy a new vehicle, you may wish to consider GIO for your Motor Vehicle Insurance. For more information about GIO Motor Vehicle Insurance please click here.
What if I'm eligible for the RMS automatic registration renewal?
If you are eligible for the RMS 'auto registration renewal' service offered to some Pensioners, you need to pay your Green Slip more than (8) days before the registration renewal date. After you pay your CTP, we recommend you check with RMS directly, to confirm if your registration has been renewed.