CTP insurers
An independent guide. We're not affiliated with any insurer.
Six insurers are licensed to sell CTP insurance in NSW. Your injury claim usually goes to the CTP insurer of the vehicle at fault, not necessarily your own.
Choose an insurer below to see its claims contacts, the ways to lodge, what to include and what happens next.
In alphabetical order. We don't rank insurers: the same scheme rules apply to all of them.
Making a CTP claim when AAMI insures the vehicle at fault: ways to lodge, what to include and what happens next.
How to claim with AAMIMaking a CTP claim when Allianz insures the vehicle at fault: ways to lodge, what to include and what happens next.
How to claim with AllianzMaking a CTP claim when GIO insures the vehicle at fault: ways to lodge, what to include and what happens next.
How to claim with GIOMaking a CTP claim when NRMA Insurance insures the vehicle at fault: ways to lodge, what to include and what happens next.
How to claim with NRMAMaking a CTP claim when QBE insures the vehicle at fault: ways to lodge, what to include and what happens next.
How to claim with QBEMaking a CTP claim when Youi insures the vehicle at fault: ways to lodge, what to include and what happens next.
How to claim with YouiSome CTP policies are sold under other brand names, for example Apia, which is issued by AAI Limited. If you're not sure which insurer is involved, check the registration or ask us.
You claim against the CTP insurer of the vehicle that was at fault. If you know its number plate, the Service NSW registration check (opens in a new tab) shows the CTP insurer and policy expiry date (NSW-registered vehicles only).
If you don't know the insurer, use SIRA's online CTP Connect tool (opens in a new tab), or ask us.
If you were at fault, or no other vehicle was involved, your claim usually goes to your own vehicle's CTP insurer.
If more than one vehicle was involved, the insurers may agree that one of them manages the claim. They must tell you in writing who that is.
If a claim goes to the wrong insurer, it's transferred to the right one, and you don't have to give notice again. Checking first still avoids delay.
The scheme rules and benefits are the same whichever insurer handles your claim.
After a claim is lodged, the insurer should contact you within about 3 days to confirm it has your claim. It must tell you in writing within 4 weeks whether it accepts liability. See what happens after a claim is lodged.
If you disagree with a decision, you can generally ask the insurer for an internal review within 28 days of receiving it. See insurer decisions and reviews.
Hit-and-run or uninsured vehicle. The claim goes to the Nominal Defendant, which stands in for the missing insurer. We can help you work out where the claim goes. See hit-and-run or uninsured vehicles.
A vehicle registered interstate. For a crash in NSW, the claim may be managed by a NSW insurer on behalf of the Nominal Defendant. See interstate accidents.
We're an independent service. We're not affiliated with any insurer. We use insurers' names only to identify them, and we don't show their logos.
Each insurer's page lists its claims contact details and a link to its claims page. Checked . Insurers change their details; if something doesn't work, use the insurer's claims page.
General information, not legal advice. Time limits apply. Get advice about your own situation.
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We're an independent service. We'll help you work out your insurer and your dates, go through the claim form with you and help get your claim lodged.