The CTP Scheme covers:
- pedestrians, passengers, cyclists, motorcyclists
- drivers of other vehicles
- the at-fault driver, to a limited extent
- the close relatives of people who die in a crash.
Contact your insurer to find out if you are eligible to make a CTP insurance claim.
Licensed insurers
SIRA has licensed 6 insurers to provide insurance under the CTP Scheme.
For more information about licensing, refer to Part 9, Division 9.1, Section 9.2 of the Motor Accident Injuries Act 2017.
Business plan requirements are detailed in Part 3 of the Motor Accident Guidelines.
The role of licensed insurers
Insurers are responsible for:
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Selling Green Slips
Insurers are licensed to sell Compulsory Third Party (CTP) insurance, also known as Green Slips. In general insurers must:
- act in good faith with all customers
- never unfairly discriminate against individual customers or groups of customers
- have clear and practical processes for issuing Green Slips to customers
- make sure their Green Slip insurance is readily accessible and available to all customers.
Insurers must comply with guidelines for selling, issuing and administering Green Slips.
For all policies issued on or after 1 December 2017, the Motor Accident Guidelines (issued under the Motor Accidents Injuries Act 2017) apply.
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Managing claims made under the Motor Accident Injuries Act 2017
Insurers have specific obligations when managing claims. The objective of these is to optimise recovery and to resolve claims quickly.
The insurer is obliged to accept or deny liability for the claim. Where the claim is accepted, the insurer must (where relevant):
- provide access to reasonable and necessary treatment and care
- make relevant payments, including weekly payments if eligible
- make a reasonable offer of settlement.
Insurers managing claims are also required to comply with specific requirements which are contained in the:
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Joint Assessments
Under the Motor Accident Guidelines, the person injured and the relevant insurer must try to agree to a joint medical or other health-related assessment.
The Guidance to Joint Medical or Other Health-Related Assessments in the CTP Scheme (the Guidance) provides an approach for insurers and legal representatives of people with injuries to reach agreement on joint assessments during a damages claim. An editable template joint letter of instruction is also available.
The Guidance has been developed through consultation with key stakeholders, including insurers, legal representatives and health practitioners working in the scheme. It aims to improve the claim experience for people with an injury by encouraging the use of joint assessments and minimising the number of assessments a person with an injury is required to undergo.
SIRA strongly recommends relevant stakeholders use the Guidance to assist in meeting the requirements outlined in the Motor Accident Guidelines and to reach agreement as to joint assessments.
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Guidance notes for insurers
Guidance notes are sometimes developed by SIRA to assist insurers in understanding how to apply certain parts of the legislation, regulations or Guidelines. They do not constitute legal advice and should not be relied upon by people in determining individual claims. They are guidance for insurers only and are not legislative instruments. SIRA publishes these notes so stakeholders are aware of the guidance provided to insurers.
Notifying SIRA about a significant matter
SIRA requires the timely and transparent notification of significant matters from licensed insurers and providers to fulfil its function under the State Insurance and Care Governance Act 2015 and relevant scheme legislation. These notifications enable SIRA to respond to significant matters related to policies of insurance, claims and other related matters under the scheme legislation.
Updated 19 December 2024