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Through our environmental partners,
we plant a tree for every policy sold.
Through our environmental partners,
we plant a tree for every policy sold.
Use our CTP greenslip calculator to compare green slip prices from every licensed CTP insurer in New South Wales in one search — insurer-direct prices, no fees or charges, ever. Every green slip sold through our environmental partner plants a tree.
* = refer T&Cs
A CTP green slip is compulsory third party (CTP) insurance, and it is mandatory for vehicle registration in New South Wales. It covers liability for personal injuries after a motor vehicle accident. It does not cover vehicle damage or theft. Green slip prices vary based on vehicle and driver details, which is why comparing insurers matters.
CTP insurance is known as Green Slip insurance in NSW. Green slip insurance applies to all light vehicles registered in the state — passenger vehicles, light goods vehicles, utes, vans and motorcycles. Your green slip’s expiry date must match your car’s registration period (6 or 12 months), and once you buy, your CTP insurer notifies Service NSW automatically.
If your green slip lapses, your vehicle can’t stay registered. A cancelled registration risks fines imposed for driving unregistered, so compare early rather than waiting for the renewal notice.
CTP insurance covers liability for personal injuries in vehicle accidents. Compensation includes medical expenses, medical treatment and lost income for injured parties. CTP covers injuries to drivers, passengers, and pedestrians — including a pillion passenger on a motorcycle. Under the NSW CTP scheme, even at-fault drivers can access defined benefits for their own injuries after a road accident, and more serious personal injury claims are handled through the scheme’s dispute and claims process.
What it doesn’t cover: CTP does not cover vehicle damage or theft — not your own vehicle, and not other people’s vehicles or property. For damage to other vehicles you need third party property insurance or comprehensive car insurance. These are separate motor insurance products, and every insurer sells them alongside CTP.
Insurers set green slip prices individually — each CTP insurer is an individual company with its own risk model. The State Insurance Regulatory Authority (SIRA) regulates CTP insurance in NSW, and insurers must submit their prices to SIRA, ensuring compliance across the CTP scheme. The total price for CTP insurance includes the premium, levies (the fund levy) and GST.
If the registered owner or registered operator uses the vehicle for business purposes and can claim an input tax credit (GST credit), that entitlement changes the price too. Insurers use individual risk factors to determine the final CTP insurance costs, so the cheapest green slip for your neighbour may not be the cheapest for you.
Green slip prices vary based on vehicle and driver details. These are the factors insurers weigh most:
| Factor | Impact | Why it matters |
|---|---|---|
| Driver age (youngest driver) | High | Driver age affects the premium — the youngest driver on the vehicle sets the risk, and a provisional driver licence holder pays more |
| Driving history | High | Demerit points can increase your CTP insurance price; licence suspensions or a serious driving offence raise it further |
| Claims history | High | At-fault accidents in the last five years raise CTP costs |
| Vehicle type | High | Vehicle type significantly influences CTP insurance costs — passenger vehicles, light goods vehicles and motorcycles are rated differently |
| Location (garaging postcode) | High | Claim frequency varies by region across New South Wales |
| Business use & ITC | Medium | Business use and GST credit entitlement change the price |
| Usage & safety features | Low–Medium | Some insurers ask how many kilometres you drive each year and about safety features |
Consumers should enter accurate driving history for precise CTP estimates, including demerit points and past claims, because insurers verify these details before confirming your final price.
Six insurers issue CTP green slips in NSW: AAMI, Allianz, GIO, NRMA Insurance, QBE, and Youi. CTP prices vary by insurer in New South Wales — each green slip provider rates the same driver differently, and some promote extras like a dedicated claims team or driver benefits. You can change CTP insurers at renewal, so it pays to compare every time your green slip is due.
Greenslips4Earth plants trees with greenslips sold through our environmental partner — helping neutralise carbon emissions from NSW vehicles. You pay the insurer-direct price with no added fees, and the planet benefits. Same price, greener outcome.
A green slip calculator compares CTP green slip prices from all six licensed NSW insurers using your vehicle and driver details. Green slip calculators usually require vehicle details for accurate quotes — registration due date, vehicle type and garaging postcode — then show insurer-direct green slip prices side by side.
Yes. Compulsory third party (CTP) insurance is known as green slip insurance in New South Wales. Both names describe the same mandatory cover for personal injuries after a motor vehicle accident. Every registered vehicle needs one, and the green slip must match your car’s registration period.
A green slip is CTP insurance covering personal injury claims from road accidents. A blue slip is a safety and identity inspection required when registering an unregistered vehicle — for example, a used car bought without registration. You may need both before Service NSW completes your vehicle registration.
Yes. Some CTP insurers ask about your driving history, including how many demerit points you have accumulated, licence suspensions, or a serious driving offence. Demerit points can increase your CTP insurance price, so enter accurate driving history in the calculator for precise estimates.
There is no single cheapest green slip provider. Each CTP insurer weighs risk factors differently — driver age, vehicle type, location, demerit points and at-fault accidents in the last five years. The cheapest prices change depending on your profile, which is why comparing all six insurers matters.
No. CTP insurance covers liability for personal injuries in vehicle accidents — it does not cover vehicle damage or theft. To protect your own vehicle, other people’s vehicles, or property, you need third party property insurance or comprehensive car insurance, sold separately as other motor insurance products.
Green slips cover compensation for injuries in vehicle accidents — medical treatment, medical expenses and lost income. CTP covers injuries to drivers, passengers, and pedestrians, including a pillion passenger on a motorcycle. Under the NSW CTP scheme, even at-fault drivers can receive defined benefits for their own injuries.
Insurers set green slip prices individually, but the State Insurance Regulatory Authority (SIRA) regulates the NSW CTP scheme. Insurers must submit their prices to SIRA, ensuring compliance. The total price includes the insurer’s premium, the fund levy and GST, which is why prices vary between insurers.
Yes. You can change CTP insurers each time your green slip is due. Compare prices before your registration expiry date, buy from your chosen green slip provider, and the insurer notifies Service NSW automatically. Waiting for a renewal notice often means missing a cheaper green slip.
Yes. You cannot complete vehicle registration in NSW without current compulsory third party (CTP) insurance. This applies to all light vehicles — passenger vehicles, light goods vehicles and motorcycles. Letting your green slip lapse can lead to a cancelled registration and fines imposed for driving unregistered.
Yes. If your vehicle is registered for business use and you are entitled to claim an input tax credit (GST credit), your green slip price can differ. Insurers ask about ITC entitlement when quoting, so business owners should have their registered operator details ready.
CTP insurance is mandatory for vehicle registration across Australia, but each scheme differs. In the Australian Capital Territory it is called MAI insurance (motor accident injuries), while in South Australia and Queensland CTP insurance is included in the cost of vehicle registration. Only NSW uses green slips.
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