Budget Direct stopped selling NSW CTP green slips on 31 December 2019, so you need a new insurer. Your cover moved to QBE at the time, but you’re free to compare all six SIRA-licensed insurers and switch at your next renewal.
Greenslips 4 Earth is a licensed QBE partner that compares the whole market, and plants a tree for every green slip sold.
Fastest path: compare quotes, buy your new green slip before the current one expires, and the system updates with Transport for NSW automatically.
Why You Need a Budget Direct CTP Alternative
If you can’t find an option to renew your vehicle registration through Budget Direct, you’re not doing anything wrong; the product is gone. Budget Direct no longer offers CTP green slip insurance in NSW, or in any other state or territory in Australia.
Here’s the backstory. Budget Direct referred its green slips to QBE Insurance from 2005, and when that arrangement ended on 31 December 2019, existing CTP policies moved to QBE directly.
The most common sign you’re affected: your renewal notice now shows only the QBE logo, instead of both the Budget Direct and QBE logos together. That single change is what sends most former customers looking for a Budget Direct CTP alternative.
The good news is you’re not stuck with QBE by default. As a NSW driver, you can compare every licensed insurer and choose whichever green slip suits your vehicle and budget.
How Important Is Your CTP Green Slip?
A CTP green slip is compulsory. Every registered vehicle in NSW needs one before you can complete registration, and it is illegal to drive without it. The green slip provides compensation for people injured in a road accident your vehicle is involved in: drivers, passengers, pedestrians, and cyclists.
One point worth being clear on: your CTP green slip covers injury to people, not damage to your own car. For that you’d need comprehensive or third party property car insurance, which is a separate product you buy elsewhere.
Who Can You Switch To? The Six Licensed NSW Insurers
Six insurers are licensed by SIRA to sell green slips in NSW in 2026. Because core CTP cover is standardised by law, the injury protection is identical across all of them; they compete mainly on price.
| Insurer | Phone | Notable Extra |
| AAMI | 13 22 44 | Standard CTP |
| Allianz | 13 1000 | Standard CTP |
| GIO | 13 10 10 | Standard CTP |
| NRMA Insurance | 132 132 | Optional At-Fault Driver Cover |
| QBE | 133 723 | Standard CTP (your insurer if ex-Budget Direct) |
| Youi | 1300 004 007 | Standard CTP |
Among these, NRMA offers an optional At-Fault Driver Cover as an extra, but the compulsory statutory benefits are the same with every insurer. Since the core cover doesn’t change, comparing on price is the smart move for most drivers.
Are All CTP Green Slips the Same?
In the ways that matter most, yes. The statutory injury cover, benefits, and limits are set by legislation, so they don’t vary between insurers. What does vary is the price you pay and the small optional extras like NRMA’s At-Fault Driver Cover.
So when you compare a Budget Direct CTP alternative, you’re really comparing price and service, not the fundamental cover. That’s why a quick green slip calculator comparison can genuinely save you money without compromising protection.
How NSW Green Slip Switching Works
NSW CTP is governed by the Motor Accident Injuries Act 2017, the current law that replaced the older 1942 scheme when the present CTP system commenced on 1 December 2017. The State Insurance Regulatory Authority (SIRA) regulates the scheme and all six insurers, and every insurer must file its pricing with SIRA.
A few practical points before you switch:
- A green slip (CTP) is not the same as a pink slip (safety inspection)
- You switch at your next renewal — you can’t cancel a live policy mid-term just to shop around
- SIRA recommends renewing your CTP green slip before the lapse date to keep your shorter-term options open
Step-by-Step: Switching From Budget Direct to Greenslips 4 Earth
Replacing your Budget Direct CTP is straightforward:
- Check your renewal date on your current green slip invoice or through Service NSW.
- Get a quote. Go to greenslips4earth.com.au, click “Get a Quote,” and enter your correct vehicle information. Our SIRA-regulated green slip calculator does the rest.
- Fill out the full details on the following steps, and double-check everything before you submit.
- Compare and choose your insurer, then complete the purchase online. Our payment channels use the latest security features for smooth transactions.
- Buy before your current policy expires. The system updates with Transport for NSW automatically, so there’s no manual cancellation needed.
Why Your Green Slip Quote Differs From Last Year
A few factors affect your green slip price year to year:
- Driver age and vehicle age
- Demerit points and claims history
- Late renewals — a lapse changes your options
- Region where the vehicle is garaged
- The SIRA Fund Levy, which is updated periodically
Why You Might Only Be Offered a 12-Month Term
If your CTP lapsed more than 21 days ago, the 6-month cover option may not be available, leaving only the 12-month renewal. Renewing before your lapse date keeps your shorter-term choices open. [EDITOR VERIFY: 21-day rule with SIRA]
Vehicle Inspections and Unregistered Vehicles
If your registration has lapsed, you may need an inspection before you can renew online:
- A pink slip (eSafety check) is required for light vehicles over five years old
- A blue slip is required if your vehicle has been unregistered for 90 days or more
- If you bought a second-hand vehicle, transfer the existing green slip into your name before you renew, or you won’t be able to complete registration
- Driving while unregistered carries penalties
Complete an eSafety check at an approved Service NSW inspection site, then finalise your green slip.
Why Choose Greenslips 4 Earth as Your Budget Direct Alternative
We offer direct insurer prices, so you find a green slip online at no additional cost. Existing customers choose us for reliable, efficient service, and because we compare the entire market in one place. As a licensed partner of QBE, switching is simple if you’re a former Budget Direct customer already sitting on QBE cover.
We also plant a tree for every green slip sold. Transport is one of Australia’s largest sources of greenhouse gas emissions, so every policy helps make the air a little cleaner — a small action that adds up.
What Your Greenslips 4 Earth CTP Will Cost
Your price depends on your vehicle and driver details. Heavier vehicles like buses and trucks generally cost more, and goods-carrying vehicles over 4.5 tonnes GVM are subject to additional taxes, levies, and fees. Fleet discounts apply only to fleets of more than 10 vehicles under one ABN.
Compare light vehicles up to 4.5 tonnes GVM online with our green slip calculator. For goods-carrying vehicles over 4.5 tonnes, call our team on 1300 593 291, 8am to 8pm.
People Also Ask About Budget Direct CTP Alternatives
Common questions from former Budget Direct customers comparing green slips in 2026.
1. Why Can’t I Renew My CTP With Budget Direct?
Budget Direct stopped offering CTP green slips in NSW on 31 December 2019. Existing policies moved to QBE, and you can now compare and switch to any of the six licensed insurers.
2. Who Took Over Budget Direct Green Slips?
QBE, which already underwrote Budget Direct’s green slips, took over existing policies when Budget Direct exited NSW CTP.
3. Can I Get a Refund If I Switch From Budget Direct Mid-Term?
Not for simply switching. You choose a different insurer at your next renewal. A pro-rata refund, less an admin fee, only applies if you sell your vehicle or cancel its registration.
4. Does Switching Insurers Affect My Claims History?
No. Your claims history follows you through the SIRA scheme, not your individual insurer, so switching doesn’t reset or erase it.
5. Is My Cover Different If I Switch Insurers?
No. Core CTP injury cover is standardised by law, so it’s the same across all six insurers. Only minor optional extras differ.
