Vehicle insurance

Insurance can protect you against costs and liabilities if you are involved in a crash or your car is stolen or damaged.

Compulsory third party (CTP) insurance

CTP insurance is paid whenever you register a vehicle in South Australia. It provides compensation to crash victims where the owner or driver of a registered South Australian vehicle is at fault. It may also cover victims where a passenger is at fault.

CTP insurance only covers bodily injury, it does not cover damage to vehicles or property involved in accidents.

When you renew your vehicle’s registration, you’ll be able to choose your CTP insurance from four Government-approved CTP insurers. With identical policy coverage, you can choose based on premium price and how people who have made an injury claim rate the insurer’s service. Once you have chosen your insurer and ticked the box, you pay for your registration and CTP insurance in one easy transaction.

How to choose your CTP insurer

Vehicles without registration and CTP insurance can be detected by traffic cameras. Owners and drivers will be heavily penalised and may have to pay significant compensation to an injured person in the event of an accident.

Who is covered and compensated

CTP insurance:

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

It does not:

  • provide full compensation for anyone who contributes to their injuries
  • cover injuries to a driver who is entirely at fault
  • cover damage to vehicles or property.

To make a claim for compensation, an injured person must prove that another (insured) person was at fault. In single vehicle crashes, drivers who are at fault may not be not eligible for compensation if they are injured, but passengers who are injured may claim compensation.

Fees and premium classes

The fees and premium classes for different types of vehicles and their uses can be found on the CTP Regulator's website.

You may need to change your premium class if you change your residential or garaging address, concession status or use of the vehicle, or if you make certain alterations to the vehicle itself.

Phone 13 10 84 or visit a Service SA customer service centre to find out if the changes affect your premium.

Making a claim

If you are injured in a road crash, contact the CTP Insurance Regulator for more information on how to make a claim or visit for more information.

Phone - 1300 303 558
Fax - 1300 617 531

GPO Box 1095
Adelaide SA 5001
Email -
Website -

After reporting the crash, the owner, person in charge or the driver of a motor vehicle involved in a crash, have a duty to cooperate fully with the approved insurer in respect to providing the information required to process any claim.

Reporting CTP insurance fraud

False motor injury claims against compulsory third party insurance (CTP) cost millions of dollars - about $10 per year for every registered vehicle.

To report motor injury fraud call the fraud hotline on 1800 013 443 - you can remain anonymous.

Third party property insurance

Third party property insurance may cover damage caused by you to another person's property, but not your car. It is relatively inexpensive and can be arranged with an insurance company of your choice. If your vehicle is not covered, you may have to pay the repair costs for the other person's vehicle if you are responsible for a crash.

Comprehensive insurance

Comprehensive insurance may cover damage to your car, other cars, property or for theft. If you have taken out a loan to buy a car, you may be required to purchase this type of insurance.

If you decide to buy private vehicle insurance, shop around and find the deal that best suits your needs. Make sure you know exactly what you are covered for, what your obligations are and how to make a claim.

Insurance exemptions

Driving without registration and CTP insurance

You may drive a vehicle without registration and CTP insurance on South Australian roads only in the following situations:

  • using a vehicle to fight a fire that threatens life or property, in which case the vehicle may be driven to and from the fire by the shortest route
  • using a self-propelled wheelchair or other motor vehicle of a prescribed class (not a motor car) by a person who requires it because of a physical infirmity
  • driving a motor vehicle onto a wharf for loading or unloading cargo
  • moving a self-propelled lawn mower to or from a place where it is used to mow
  • driving a motor vehicle with trade plates, providing it is being used in accordance with conditions applying to trade plates
  • towing a motor vehicle (other than a trailer) by a tow truck.

In order to gain exemption in these situations, the owner or driver of the vehicle (except a wheelchair) must have a public liability insurance policy that indemnifies the owner or driver for losses up to five million dollars in damage to property or death or injury arising out of the vehicle's use on the road.

Driving without CTP insurance

You may drive the following vehicles without CTP insurance on South Australian roads:

  • a tractor or agricultural machine that is conditionally registered and is being used to pull agricultural implements, prescribed agricultural machinery and trailers
  • a registered motor vehicle owned by a primary producer that is being used to pull an unregistered agricultural implement or agricultural machine
  • an unregistered prescribed agricultural machine being driven to:
    • move it across a carriageway by the shortest route
    • move it from a point of unloading to a work site by the shortest route
    • enable it to perform a special function on a carriageway that it is designed to perform.

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Page last updated 25 September 2020

Provided by:
Department for Infrastructure and Transport
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