Green Slip Calculator

Before purchasing your green slip, compare prices for each of the six green slip insurers using the Green Slip Calculator. You can do a green slip comparison for every green slip insurer, based on your vehicle and details.

Six insurers are licensed to issue CTP green slips in NSW.

In addition to green slip prices the Green Slip Calculator provides information on other benefits which some insurers offer. The calculator provides contact details so you can complete the process to purchase your green slip.

For most green slip purchasers, the insurer notifies Service NSW that you have purchased your green slip.

Green Slip NSW

Green slip is the term used for compulsory third party insurance in NSW.

Your green slip provides compensation for injured people when your vehicle is involved in an accident. Legislation provides for the amount of compensation and the injuries and losses for which it is payable.

Your greenslip does not cover you for damage to your vehicle or other vehicles, or for damage to property. Your green slip does not cover you for theft of your vehicle.

Green slips are compulsory. You cannot register your vehicle in NSW without first purchasing a green slip. The period of the greenslip must match the period of registration. Subject to requirements, registration may be renewed for passenger vehicles and motorbikes for 6 or 12 months.

Green slip prices vary from insurer to insurer. Many factors affect your green slip price. Factors which affect green slip prices include the type of vehicle, location, current registration status, owner and driver age, driving history and claims history.

Compare green slip prices.

What is a Green Slip?

In NSW you must buy a green slip before you can register your vehicle. Green slip is the common name given to compulsory third party (CTP) insurance in NSW. If your vehicle is involved in an accident, the green slip protects you against personal injury claims from third parties.

All greenslips are the same. The law provides for the level of compensation payable for certain injuries and losses. One insurer offers At-fault Driver Cover as a free added benefit on top of its greenslip.

Greenslips are different from other types of motor vehicle insurance. A CTP green slip covers only injuries to people, not property. It does not include damage to your car or other cars, damage to any kind of property, or theft of your vehicle.

Motorists can buy further insurance coverage on top of a green slip: fully comprehensive insurance, fire or theft only, or third party property only.

A green slip covers you for exactly the same period as registration, whether it runs for 6 or 12 months. This means renewals for greenslips and registration are due at the same time.

1. What does a greenslip cover?

A greenslip or CTP insurance covers compensation for people injured or killed when your vehicle is involved in an accident, including other drivers, passengers, cyclists and pedestrians. A CTP green slip is mandatory insurance. It protects you from the financial burden of paying for somebody’s injuries in an accident involving your vehicle.

3. Are all green slips the same?

Yes, all green slips are the same. They provide the same cover, as required by law. If you are involved in an accident, a QBE green slip is the same as an AAMI green slip. There are still reasons to choose one provider over another:

Price
Ability to pay in person
An existing relationship with a provider offering discounts on other insurance products you hold with them
NRMA Insurance offers a free extra benefit for at-fault drivers, on top of its green slip.

4. What is At-fault Driver Cover?

At-fault Driver Cover is a free benefit offered on top of a greenslip. By law, all CTP green slips must provide the same statutory cover. This means the six green slip providers offer essentially the same product. One provider – NRMA Insurance – offers an extra free benefit on top of statutory cover, known generally as At-fault Driver Cover. NRMA offers this extra cover to differentiate its green slips.

5. Can I cancel and get a refund on my green slip?

Yes, you can cancel and get a refund on your green slip. As long as you are the person who registered the vehicle, you can cancel registration any time at Service NSW or a motor registry. To cancel your greenslip you must first cancel your vehicle registration. Within 14 days, you also have to give up (or put on hold) your registration plates.

Your greenslip insurer must see proof Service NSW has cancelled your registration before it can give a partial refund. You receive a refund, based on the unexpired part of the green slip, Fund Levy paid, and insurer administration fee.

6. How do I know if the car I just bought has a current NSW greenslip?

There are two ways to find out if your car is covered by a greenslip. First, when you buy a new car from a dealer, it will generally be registered and covered by a current NSW green slip, as part of the total driveaway cost. If you have bought a used car, always check whether registration on that car is current. If the car is registered in NSW, then it is also covered by a greenslip.

Second, you can check how much registration, if any, is left on a used vehicle, and the name of the CTP green slip provider and expiry date. Service NSW offers a free service to do this: Check a vehicle registration. You need the registration number only of the vehicle. You can also see a recent odometer reading. The service does not reveal the name or address of the current registered owner.

7. Can I transfer a greenslip from one car to another?

No, you cannot transfer a green slip from one car to another, even if both vehicles belong to you. This is because a greenslip always stays with the vehicle, not the owner or driver of that vehicle. If you sell your vehicle, the greenslip and registration go with it, unless you cancel them.

8. Can I get a greenslip for 3, 6 or 12 months?

No, you can register a car or other light vehicle in NSW for 6 or 12 months only. The exception is for trailers or heavy trucks, which can be registered for 3, 6 or 12 months. In these cases you must register a light vehicle for 12 months:

First registration of a vehicle
If registration has lapsed by more than 21 days
When transferring a vehicle from interstate.

The period of your greenslip must match the period of registration and they are always due at the same time.

9. What is a pink slip?

A pink slip, or Safety Check, is carried out by an authorised inspection station to check your car is roadworthy. You do not need a pink slip for registration until your vehicle is 5 years old. After that, a pink slip is required every 12 months and your registration renewal papers will say when one is due. The inspection station can usually send an electronic copy of your pink slip to Service NSW ready for registration.

10. What is a blue slip?

A blue slip is a more detailed safety and identity check. It is called an authorised unregistered vehicle inspection. If your vehicle is not currently registered in NSW (for example, registration is cancelled or you are transferring from interstate) then it needs a blue slip.

A blue slip is more detailed than the usual Safety Check or pink slip. You can get a blue slip from an authorised vehicle inspection station listed on Transport for NSW site. The inspection station usually sends an electronic copy of the blue slip to Service NSW. However, you may also need the hardcopy when you visit Service NSW.

CTP Insurers

Six green slip providers NSW are licensed to sell CTP insurance: AAMI, Allianz, GIO, NRMA Insurance, QBE and Youi. These six CTP insurers are owned by five financial services companies.

CTP is regulated because it is a compulsory public requirement provided by private companies. State Insurance Regulatory Authority (SIRA) is the government body responsible for statutory oversight of green slip providers. Insurers set their own prices but must submit them to SIRA at least once a year. SIRA rejects prices if they are excessive, do not fund the insurer’s liability or fail to meet insurer guidelines.

By law all green slips must offer exactly the same cover. Consider four main factors when choosing a CTP insurer:

Price
Ability to pay in person
An existing relationship with a provider offering discounts on other insurance products held with them
NRMA Insurance offers a free extra benefit for at-fault drivers, on top of its green slips.

1. Who are the CTP insurers in NSW?

The six licensed CTP insurers in NSW are AAMI, Allianz, GIO, NRMA Insurance, QBE and Youi. Some insurers sell CTP under other brand names, such as Apia.

AAMI

Contact AAMI for information about buying an AAMI green slip.

Phone	13 22 44
Phone hours	8am to 7pm, 7 days
Quote/purchase online	aami.com.au
In person	No, can pay at Post Office
Insurer code	26

Allianz

Contact Allianz for information about buying an Allianz green slip.

Phone	13 1000
Phone hours	8am to 9pm weekdays 8am to 5pm Saturday
Quote/purchase online	allianz.com.au
In person	Major motor dealers, brokers and agents
Insurer code	32
Any extras	None

GIO

Contact GIO for information about buying a GIO green slip.

Phone	13 10 10
Phone hours	8am to 6pm weekdays 8am to 4pm, Saturday
Quote/purchase online	gio.com.au
In person	Branches, brokers and agents
Insurer code	31
Any extras	10% Multi-policy discount

NRMA Insurance

Contact NRMA Insurance for information about buying an NRMA green slip.

Phone	132 132
Phone hours	7am to 8pm, 7 days
Quote/purchase online	nrma.com.au
In person	220 branches, can renew at Post Office
Insurer code	34
Any extras	CTP Driver Protection, Our Customer Discount

QBE

Contact QBE for information about buying a QBE green slip.

Phone	133 723
Phone hours	8am to 7pm weekdays 8am to 1.30pm Saturday
Quote/purchase online	qbe.com.au
In person	Selected brokers and agents and Post Office, cannot pay at QBE branches
Insurer code	36

Youi

Contact Youi for information about buying a Youi green slip.

Phone	1300 004 007
Phone hours	8am to 6pm weekdays
Quote/purchase online	youi.com.au
In person	No, can pay at Post Office
Insurer code	43

2. Who is SIRA?

SIRA (State Insurance Regulatory Authority) supervises the six licensed insurers in the NSW CTP scheme. SIRA took over from the Motor Accidents Authority (MAA) in September 2015.

SIRA has three main roles:

Monitor insurer performance
Support programs for road safety and fast recovery of people injured on the road
Provide independent advice on making CTP claims and resolving disputes.

CTP insurers must at least once a year submit prices to SIRA. SIRA can reject price changes if they are excessive, do not fund insurer liability or fail to meet insurer guidelines. The public can contact SIRA for general enquiries about the NSW CTP scheme, feedback about green slip prices, or for help with making CTP claims after an accident.

Contact SIRA

General	1300 137 131
Green slip prices	1300 137 600
CTPAssist	1300 656 919
Email	ctpassist@sira.nsw.gov.au
Write	State Insurance Regulatory Authority Level 6, McKell Building 2-24 Rawson Place Sydney NSW 2000 or DX1517 Sydney

3. How do I know which provider CTP insurance is with?

You can use the green slip and registration check, a free service provided by Service NSW. It is helpful if you are buying a used car or have forgotten any of your details.

All you need is the registration number. You can find the CTP green slip provider and policy expiry date, or check whether registration is expired, suspended or cancelled. Note, this service keeps private the name and address of the registered owner.

4. Does APIA offer greenslips?

Yes, APIA (Australian Pensioners Insurance Agency) offers green slips as an agent for GIO. APIA is not licensed to issue green slips as a green slip insurer. When you purchase a greenslip from APIA, you are purchasing a GIO green slip. The price will be the same had you purchased directly from GIO.

5. Can I get discounts on other products?

Yes, GIO and NRMA offer discounts on other insurance products you hold with them:

GIO offers a $50 discount on Platinum or Comprehensive insurance or 10% Multi-policy discount, if you hold a GIO green slip on the same vehicle
NRMA Insurance now offers Our Customer discounts to replace Loyalty Discounts. Loyalty Discounts no longer apply for renewals after 1 July 2024, or new policies commencing on or after 21 April 2024.

These offers do not make GIO and NRMA green slip prices any cheaper than those given in the Green Slip Calculator.

CTP Insurance

Vehicles registered in all states and territories of Australia must be covered by compulsory third party (CTP) insurance. Broadly, CTP insurance covers the cost of treatment and compensation for people injured in road accidents.

CTP insurance schemes vary across Australia because they are legislated on a state basis. Insurance in some states is provided by private insurers and in others by government bodies. CTP insurance is highly regulated because it is compulsory. Private insurers are licensed to offer CTP only under strict guidelines in state and territory Acts and Regulations.

In most states and territories, CTP is automatically included with the registration fee. NSW is the exception: you must purchase CTP separately before registration and it is commonly called a green slip. In NSW there are six providers of CTP insurance: AAMI, Allianz, GIO, NRMA Insurance, QBE and Youi. They are licensed by the State Insurance Regulatory Authority (SIRA).

NSW, ACT, Qld and SA offer a choice of CTP provider.

1. What is CTP insurance?

CTP (compulsory third party) insurance is mandatory insurance to protect you from claims made by people injured in an accident involving your vehicle. It covers injured drivers to some extent, passengers and pedestrians, but does not cover any kind of property. In most states and territories, CTP is automatically included with the registration fee. In NSW, you must buy your CTP or greenslip separately before you can register a vehicle.

2. Why is CTP different in each state and territory?

CTP is different in each state and territory because state and territory governments are responsible for roads, registration and licensing. Each has an authority that provides CTP insurance or regulates private CTP insurers.

In some states and territories, CTP insurance is provided by private insurers and in others, CTP insurance is provided by the state government.
Some state CTP schemes are based on finding the driver at fault in an accident and others do not consider fault.
In all states and territories except NSW, CTP insurance is included with the registration fee.
In NSW, you must buy a CTP green slip before you can register a vehicle.

	CTP and registration	Insurers	At-fault or no-fault
NSW	Choice of insurer, CTP paid before rego	6 private insurers	Hybrid: no-fault defined benefits and lump sums for serious injury
Vic	CTP included in rego	Government	Hybrid: no-fault defined benefits and lump sums for serious injury
Tas	CTP included in rego	Government	Hybrid: no-fault defined benefits and lump sums
Qld	Choice of insurer, CTP included in rego	3 private insurers	Fault-based lump sums
SA	Choice of insurer, CTP included in rego	5 private insurers	Mainly fault-based lump sums
WA	CTP included in vehicle licence (rego)	Government	Fault-based lump sums
ACT	Choice of insurer, CTP included In rego	4 private insurers	Hybrid: no-fault defined benefits and lump sums for serious injury
NT	CTP included in rego	Government	No-fault defined benefits only

3. Does my CTP insurance cover me if I have an accident in another state?

Yes, the CTP insurance on your vehicle covers you throughout Australia, even if you have an accident in another state or territory. All vehicles registered in Australia are required to be covered by CTP insurance.

4. What happens to my CTP insurance if I move interstate?

If you move interstate, you cannot take your CTP insurance with you. This is because you have to follow the rules for the CTP scheme operating in that state. Some schemes offer a choice of provider, some are based on driver fault and all, except NSW, include the price of CTP in registration. You may not be able to use the same insurer. Only NSW, ACT, Qld and SA offer a choice of CTP provider:

AAMI provides CTP insurance in ACT, NSW and SA
Allianz and QBE provide CTP in NSW, Qld and SA
GIO provides CTP in ACT and NSW
NRMA Insurance provides CTP insurance in ACT and NSW
Youi provides CTP in NSW and SA.

If you are moving interstate from NSW, you need to cancel your registration and greenslip. Your CTP insurer must see proof of cancelled registration before they offer any refund.

5. What does "third party" mean?

The third party is the person injured in a road accident. There are always three parties to CTP insurance:

The first party is you, the owner or driver of the at-fault vehicle
The second party is your CTP green slip provider
The third party is the person injured in the accident.

6. Is CTP the same as third party property insurance?

No, CTP is not the same as third property property. This is a common misunderstanding as both types of insurance refer to third parties. CTP stands for compulsory third party insurance. You must have this cover to protect yourself from claims made for people (other drivers, passengers, pedestrians) injured in an accident involving your vehicle. CTP does not cover property.

Third party property insurance is one type of motor vehicle insurance. It protects you from claims made by third parties for damage to property, not people. It includes damage caused by your car to other cars and property, but not damage to your own car.

CTP is compulsory, as the name implies. Third party property insurance is not compulsory.

7. Compare types of motor insurance

	What it covers	What it does not cover	What to consider
Compulsory third party (CTP)	Protection against claims for compensation if you injure or kill someone in an accident	Damage to your car, other cars, property, or theft	Compulsory
Comprehensive	Damage to your car, including fire and theft, damage to other cars and property, plus optional extras	Damage to your car if not roadworthy or licensed, or when driver is affected by alcohol or drugs Compulsory third party (CTP)	The broadest and most expensive cover for your car, other cars and property
Third party property only	Damage caused by your car to other cars and property plus cover for legal costs	Damage to your car or theft Compulsory third party (CTP)	Protects against damage to other cars, usually chosen by driver with a low-value car
Fire and theft only	Limited cover for your car for damage or loss because of fire or theft	Damage to your car (other than fire or theft), other cars or property Compulsory third party (CTP)	Provides some protection for your car but less than comprehensive cover

Green Slip Comparison

You can do a green slip comparison to get the cheapest price. In NSW, there are six providers of CTP green slips: AAMI, Allianz, GIO, NRMA Insurance, QBE and Youi.

While all green slips provide exactly the same statutory cover, insurers use different market strategies and risk profiles for setting prices. Each time you compare green slips, there is usually a variation in prices from each insurer.

Insurer pricing changes mean your green slip provider last year may not offer the cheapest price this time.

One insurer – NRMA Insurance – offers an extra free benefit on top of statutory cover. This is At-fault Driver Cover. It was introduced because drivers at fault in an accident are not usually covered by the CTP scheme to the same extent as other drivers. Green slip prices for this insurer include At-fault Driver Cover.

Compare greenslip prices before renewing with your current insurer. It takes only 3 or 4 minutes to compare prices with the Green Slip Calculator. It provides the cheapest prices, based on your vehicle and details.

1. Why compare green slips?

You compare green slips to get the cheapest price, based on your vehicle and details. While all green slips provide exactly the same statutory cover, insurers use different market strategies and risk profiles for setting prices. Each time you compare green slips, there is usually a variation in prices from each insurer.

Insurer pricing changes mean your green slip provider last year may not offer the cheapest price this time. Put your vehicle and details into the Green Slip Calculator before purchasing your green slip.

2. What’s the best way to do a green slip comparison?

The best way to do a greenslip comparison is to use the Green Slip Calculator. It takes only 3-4 minutes and lists the cheapest prices from all six greenslip providers in NSW. This will save you time. It is faster than calling each provider separately or filling in an online form for each insurer.

3. Do I need to compare green slips every year?

Yes, compare green slips every year if you want the cheapest price based on your vehicle and details. Greenslip providers vary their prices. Maybe your circumstances changed during the year. For example, you moved house from an urban to a rural area, bought a new car or added a few demerit points to your driving licence. Each of these can make quite a difference to the price of your greenslip.

4. Do I have to stay with the same CTP insurer as last year?

No, you do not have to stay with your current CTP insurer. When your current insurer sends a renewal notice, you are not obliged to renew with them. Instead use the Green Slip Calculator to compare prices, based on your vehicle and accurate details. You can then make an informed decision based on the latest prices.

Once you have made a greenslip comparison, contact your choice of CTP insurer to make a payment. You do not have to cancel CTP with the previous insurer.

5. Can I trust the Green Slip Calculator?

Yes, you can trust the Green Slip Calculator provides the cheapest prices available from all six greenslip insurers in NSW. Green slip prices are regulated, which means insurers are required to submit all prices to the regulator before they can quote them. Prices insurers submit to the regulator include all risk and discount factors used to determine the final price.

Insurers are not allowed to offer any additional discounts or to vary prices from the ones they have submitted to the regulator. Prices used in the Green Slip Calculator are the same as prices submitted to the regulator.

6. Do I need to check results from a few sources to be sure?

No, you do not have to check results from any other source. Information in the Green Slip Calculator is accurate and based on the latest prices submitted to the regulator by each insurer. It provides the cheapest prices available from all six insurers, based accurately on your vehicle and details.

Insurer prices must by law be the same, no matter how or where you purchase your green slip. Nobody can offer you a cheaper price for your green slip. If somebody does, be cautious, as their information is wrong or dishonest.

7. Why does the insurer price seem to vary from the calculator price?

The insurer price should not vary from the calculator price. Prices in the Green Slip Calculator are actual prices, not estimates. The Green Slip Calculator uses the latest prices submitted to the regulator by each insurer. It provides the cheapest prices, based on your vehicle and details.

Insurer prices vary from prices in the Green Slip Calculator only if details given are in any way different. Prices are particularly sensitive to some factors, such as age of youngest driver or number of demerit points on a licence.

8. Can I get a discount on a green slip?

No, you cannot get a further discount on a green slip as long as the greenslip price is based accurately on your vehicle and details. The price already reflects all factors used by insurers to set green slip prices. There are no further discounts for pensioners.

9. Can you get green slip quotes for all vehicle makes and models?

No, the Green Slip Calculator does not quote for all vehicle makes and models. It provides quotes for cars, motorbikes and light vehicles up to 4.5 tonnes gross vehicle mass (GVM), such as utes and light goods vehicles.

It cannot offer quotes for trucks above 4.5 tonnes GVM, buses, fleets or taxis. In these cases, contact greenslip insurers directly for greenslip quotes. A fleet is generally 10 or more vehicles with a common expiry date. A bus is classified as a vehicle with 10 or more seats. Quotes for heavy trucks, buses, fleets or taxis are generally higher than for light vehicles.

Does your light vehicle make or model appear to be missing from the Green Slip Calculator? Always key in Type of Vehicle and Year of Manufacture so the greenslip calculator can identify all vehicle makes or models for that year.

10. Is price the only factor in choosing a CTP quote?

No, price is not the only factor in choosing a CTP quote. Ask four questions:

Who offers the cheapest quote in the Green Slip Calculator?
Can you can pay in person rather than online or by phone?
Would you like At-fault Driver Cover?
Do you have an existing relationship with a CTP provider?

11. What happens when I’ve chosen a quote?

Once you have chosen the best quote, you need to make a payment. All greenslip providers take payments by phone and online. You may be able to pay in person.

You can opt to pay for a period of 6 months, rather than 12 months in most cases. Exceptions are for first registration, lapsed registration or when transferring interstate. The period of a CTP green slip must match the intended period of registration. If you have a 6-month green slip, you must register for 6 months.

13. Is my green slip cheaper without a young driver?

Yes, your green slip is cheaper without a young driver. Unfortunately, young drivers are disproportionately involved in road accidents and green slip prices reflect this substantially higher risk. If your vehicle is sometimes driven by a young driver, your green slip will be more expensive.

Motorists may be tempted to omit or change the age of the youngest driver to lower the price of their green slip. If you give false information and there is an accident, your green slip provider is permitted to take steps to recover the unpaid correct premium and ensure you foot the bill for up to $5,000.

14. Will I get a cheaper green slip if I contact the insurer?

No, you cannot get a cheaper green slip by contacting the insurer directly. This is because the government regulates greenslip prices. Insurers must submit all prices to the regulator before they can quote them. Prices submitted to the regulator include all risk and discount factors insurers use to determine the price.

By law, insurers are not allowed to offer additional discounts or to vary prices from the ones they submit to the regulator. Insurers cannot further discount the price of your green slip because any discounts for favourable details are already reflected in the price.

15. Can I get a cheaper green slip quote from an agent or dealer?

No, you cannot get a cheaper greenslip quote from an agent or dealer. By law, if based correctly on your vehicle and details, insurer prices must be the same, no matter how or where you purchase your green slip.

The Green Slip Calculator uses the latest prices submitted to the regulator by each insurer and provides the cheapest price available for all six insurers, based on your vehicle and details. If you are aware of an agent or dealer who claims to offer cheaper green slips, there is something wrong. Contact us.

16. Do driving offences/accidents affect the price of my greenslip?

Yes, driving offences and accidents where you were at fault, affect the price of your green slip. Insurers look at all aspects of driver and vehicle that could potentially increase the risk to them. Someone who has more driving offences or was recently at fault in an accident may appear to be a higher risk.

The Green Slip Calculator asks about driving offences and at-fault accidents in the recent past. You can improve your risk profile in the future by avoiding driving offences or accidents where possible. This potentially makes your green slip cheaper.

17. Do demerit points stop me from getting cheap green slips?

Yes, demerit points on your licence do raise the price of your green slip. Insurers see demerit points as a potential indicator of risk. Most drivers have a limit of 13 demerit points before their licence can be suspended. Though demerit points do age over time – and cease to count towards suspension – Service NSW keeps a record of all offences.

You (and your insurer) can check your demerit points online.

18. Does claiming for GST or having an ABN make my green slip more expensive?

Yes, claiming for GST does make your green slip more expensive. If you have an ABN and run a business, you may claim an input tax credit (GST). Insurers always have two green slip prices available – one if you claim an input tax credit (GST) and one if you do not claim it. The price of a green slip for drivers claiming for GST is higher. Insurers can charge a higher price because of the added administrative cost of handling GST.