Speak to us today: 1300 593 291

At Fault Driver Protection

CTP At-Fault Driver Protection


At-Fault Driver Protection, also known as At-Fault Driver Cover, depending on the insurer, is an additional level of cover offered by just two insurers in New South Wales. This cover offers some additional benefits to injured drivers who were at fault in a road accident.


Previously, many at-fault drivers were not covered under the CTP Scheme because it was a Third Party scheme only. This position gave rise to insurers offering additional At-Fault Driver Cover. Over the years, however, the RMS has introduced entitlements for the benefit of First Parties, or the driver considered at fault. 


There currently exists certain entitlements for Drivers at Fault under the Lifetime Care and Support Scheme for those drivers who have been catastrophically injured as a result of a road accident where they are at fault.


What At-Fault Driver Protection Covers


The new CTP scheme introduced on the 1st of December in 2017 offers improved benefits for all injured people, including at-fault drivers. They may now receive entitlements for up to six months to cover:

  • weekly income payments (if time off work is necessary as a result of the incident)
  • medical and treatment expenses
  • commercial attendant care (for help needed around the home)


These benefits commence soon after a claim is made.


This is a major improvement for injured people who were at fault in an accident. The RMS advises that there are approximately 7,000 people a year who are considered to be at fault in an accident. Prior to the 1st of December in 2017, they were only able to claim a maximum of $5,000 for combined medical expenses and loss of income.


Why CTP At-Fault Driver Cover Is Now Offered


Before 2017, at-fault driver cover was not offered as a part of CTP insurance policies as they were only created to protect third parties. The NSW CTP Scheme now realises that an at-fault accident could be the result of an unfortunate situation such as a momentary lapse in concentration, being blinded by the sun, or hitting a kangaroo on a country road.


With the increase in benefits to At Fault Drivers, it is too early to tell whether insurers will continue offering their own At Fault Driver Cover. We will keep you posted on developments in this regard right on our blog.


​Until insurers change their current positions, the benefits available under this cover remain and include lump sum entitlements to at Fault Drivers for specified injuries as determined by the insurers.


Which Insurers Offer At Fault Cover?


The insurers participating in some form of At Fault Driver Protection is as follows:


AAMINo additional cover offered
AllianzNo additional cover offered
CICNo additional cover offered
GIONo additional cover offered
NRMAAdditional cover to at fault drivers extended under certain circumstances. This will be noted in your policy documentation
QBENo additional cover offered

Get CTP At-Fault Driver Cover


Our CTP green slip calculator allows you to quickly and easily compare all CTP providers in NSW, including those that offer at-fault cover. Use our online calculator now to compare prices and policies so that you can secure the best rate for you. We plant a tree for each CTP sold.

business quote icon


business quote icon


Start a quote today

Start a quote today

Just a friendly reminder before you start….


Before you enter into an insurance contract, you have a duty to tell the insurer anything that you know, or could reasonably be expected to know, that may affect the insurer's decision to insure you and on what terms. You have this duty until the insurer agrees to insure you. You have the same duty before you renew, extend, vary, or reinstate an insurance contract.

For Personal, Domestic and Household insurance contracts, you have an additional duty to take reasonable care not to make a misrepresentation to the insurer. To ensure you meet your duty, your responses to the insurer's questions must be truthful, accurate and complete.


If you do not tell the insurer anything you are required to, they may cancel your contract, or reduce the amount they will pay you if you make a claim, or both. If your failure to tell the insurer is fraudulent, they may refuse to pay a claim and treat the contract as if it never existed.

By clicking on the "I Agree" button below, you agree that you've read and understood the Duty of Disclosure and website Terms of Use.

Please read our Financial Services Guide to help you make an informed decision about whether to use the financial services we offer.

Please read the relevant Product Disclosure Statement for full details before deciding about the right cover for you.

Please be aware that all communication will be via phone, email or text. We do not mail any correspondence.

Call Now Button