How to find the right CTP insurer for your claim

The basic rule

You claim against the CTP insurer of the vehicle that was at fault. The insurer that handles your injury claim is usually the CTP insurer of the vehicle at fault, not necessarily your own.

If more than one vehicle is involved, the insurers may agree that one of them manages the claim. They must tell you in writing who that is.

Find it from the number plate

If you know the at-fault vehicle's number plate, the Service NSW registration check (opens in a new tab) shows its CTP insurer and when the policy expires. It works for NSW-registered vehicles only.

If you didn't get the plate, check your photos or dashcam footage, or ask any witnesses.

Use SIRA's CTP Connect tool

If you don't know the insurer, use SIRA's online CTP Connect ("Connect with the Insurer") tool (opens in a new tab). Or ask us and we'll help you work it out.

We're independent and not connected with either, but we can help you work out the likely insurer too. Try the Which insurer? check.

If you were at fault, or no other vehicle was involved

Your claim usually goes to the CTP insurer of the vehicle you were driving or riding.

Most injured people can claim statutory benefits regardless of who was at fault, but if you were wholly or mostly at fault, they generally stop after 52 weeks. See if you were at fault.

If you were a passenger

Generally, the claim goes to the insurer of the vehicle at fault. That may be the vehicle you were in, for example if your driver hit something, or the other vehicle. Either way, you're claiming against the insurer, not the driver.

If no one was at fault

If no one was at fault (a "blameless accident"), special rules help make sure you're not disadvantaged. Examples include a collision with an animal on a public road, debris, poor road conditions, unforeseen mechanical failure, or a driver having a medical episode.

Which insurer handles a blameless accident depends on the facts, so talk to us and we'll help you check.

If the vehicle drove off or wasn't insured

If you were injured by an unidentified vehicle (for example a hit-and-run) or an uninsured vehicle, you can claim against the Nominal Defendant, a NSW Government-backed fund that stands in for the missing insurer.

For an unidentified vehicle, you must make "due inquiry and search" to try to identify it, for example by reporting to police and speaking to witnesses. Report the accident to police promptly. See hit-and-run and uninsured vehicles.

If the other vehicle is registered interstate

Anyone injured in a motor crash in NSW can claim under the NSW scheme. If the at-fault vehicle is registered outside NSW, the claim may be managed by a NSW insurer on behalf of the Nominal Defendant. We can help you work out where to send it. See interstate accidents.

If it goes to the wrong insurer

If a claim goes to the wrong insurer, it is transferred to the right one and you don't have to give notice again. Checking first still avoids delay.

The six licensed CTP insurers

Six insurers are licensed to sell CTP Green Slips in NSW: AAMI, Allianz, GIO, NRMA Insurance, QBE and Youi. The insurer that handles your claim is usually the CTP insurer of the vehicle at fault, not necessarily your own.

Some CTP policies are sold under other brand names (for example Apia, which is issued by AAI Limited). If you're unsure which insurer is involved, check the registration or ask us.

Each insurer has its own page on how it takes claims: see NSW CTP insurers. We're not affiliated with any insurer.

Still not sure?

Don't let it hold you up past 28 days. To get weekly payments back-paid to the day after the accident, the insurer generally needs your claim within 28 days.

If you're unsure, give the number plate of the vehicle you believe was most at fault. The claim form lets you say fault is still being determined. You can also lodge online through Service NSW, and we can help you get it ready.