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A Green Slip is the compulsory third party (CTP) insurance you must buy before you can register a vehicle in New South Wales. Six insurers are licensed by the State Insurance Regulatory Authority (SIRA) to sell it. The cover is set by law and is the same whichever insurer you choose, but the price is not, so it pays to compare.
This page covers who sells Green Slips, how insurers price them, how to use SIRA's official Green Slip Price Check, what the cover pays for (including when the crash is your fault), and the refund rule that catches out most people who sell a car.
By Better Rate Mate Editorial Team ยท Last reviewed
| New South Wales | |
|---|---|
| Name | Green Slip (compulsory third party, or CTP, insurance) |
| Regulator | State Insurance Regulatory Authority (SIRA) |
| Licensed insurers | 6: AAMI, Allianz, GIO, NRMA, QBE and Youi |
| Can you choose? | Yes. You buy from any licensed insurer each time, so you can switch at every renewal |
| How you pay | Directly to the insurer, before you register or renew. Most insurers send the policy to Transport for NSW electronically |
| Policy length | 12 or 6 months for most vehicles; other options for fleet owners and motor dealers |
| How the price is set | Risk-rated. Each insurer adjusts a base price for factors such as age, driving history, demerit points, claims history, vehicle age and where the car is parked |
| Official price comparison | SIRA's Green Slip Price Check (greenslips.nsw.gov.au) |
| If you caused the crash | Up to 52 weeks of benefits (treatment, income support, care), unless you are charged with a serious driving offence |
| Help | SIRA's CTP Assist: 1300 656 919 |
SIRA licenses the insurers that may issue Green Slips, and at the time of writing it lists six. You can buy from the insurer directly, online or by phone, or through one of its authorised agents. SIRA's advice is to buy from a licensed insurer or its authorised representative, because an unauthorised middleman who submits wrong details on your behalf can leave you facing an adjustment charge or worse.
Every licensed insurer sells an identical policy: the benefits come from the Motor Accident Injuries Act 2017, not from the insurer. What differs is the price, how the insurer handles claims, and any extras it offers alongside.
| Insurer | Phone (as listed by SIRA) |
|---|---|
| AAMI | 132 244 |
| Allianz | 1300 137 664 |
| GIO | 131 010 |
| NRMA | 132 132 |
| QBE | 133 723 |
| Youi | 1300 004 007 |
In Queensland, South Australia and the ACT, every owner of the same class of vehicle pays the same CTP premium to a given insurer. NSW is different: your Green Slip is priced partly on you. SIRA explains that each insurer starts from a base cost that has to cover future claims and running costs across the whole scheme, then adjusts it for rating factors. Those include the driver's age, driving history, demerit points and claims history, and can also include the vehicle's age, where it is parked, whether you hold comprehensive insurance and the insurer's overall risk in the scheme.
Because insurers weigh those factors differently, the same car and driver can get noticeably different quotes. That is the whole case for comparing. Two drivers comparing notes can also get different rankings: the insurer that is cheapest for a 22-year-old in western Sydney may not be cheapest for a retiree on the Central Coast.
Every Green Slip price also includes GST and the Fund Levy. The Fund Levy is set by SIRA rather than the insurer and shown separately on the invoice. It pays for the initial ambulance and hospital costs of people hurt in crashes and for lifetime care of the most seriously injured, so changing insurer does not change it.
| Levy component | From 15 January 2026 | 15 January 2025 to 14 January 2026 |
|---|---|---|
| Motor Accidents Operational Fund (MAOF) | $65.50 | $37.50 |
| Lifetime Care and Support Authority Fund (LTCS) | $92.10 | $100.00 |
| Motor Accident Injuries Treatment and Care Benefits Fund (MAITCB) | $33.30 | $27.30 |
| Total Fund Levy | $190.60 | $164.80 |
SIRA's Green Slip Price Check is the only tool that shows a quote from every licensed insurer side by side, and it is free. It works for the most common vehicle types. Service NSW describes three ways in: your driver licence or registration billing number, your number plate or VIN, or entering the vehicle details, insurance and driving history yourself. The first two usually give the most accurate prices, because they draw on the records insurers will check anyway.
One detail worth knowing before you run it: a driving offence in the past 3 years and 4 months that added demerit points to your licence can lift the price, even if those points have since expired. Declare it. Under-declaring does not make the Green Slip cheaper in the end (see below).
Our guide to finding the cheapest Green Slip in NSW walks through the Price Check step by step and covers what to do with the result.
The order matters in NSW: Green Slip first, then registration. When you buy, the insurer will ask for the vehicle's year, make and model and for driver details such as the youngest driver's age and any demerit points. Keep the registration papers handy; depending on the insurer you may need the plate number, VIN or chassis number and the registered owner's licence or photo card number.
Once you pay, most insurers send the policy straight to Transport for NSW, so there is nothing to carry into a service centre. The term of the Green Slip sets the registration period you can renew for: to switch from 12-month to 6-month registration (or back), buy a Green Slip for the matching term. If you renew for 6 months, Service NSW says the Green Slip must be paid and the registration renewed no later than 21 days after it expires.
Renewal notices arrive 4 to 6 weeks before the due date, and most light vehicles more than 5 years old also need a safety inspection report (a pink slip). Our guide to Green Slips and rego sets out the full order of steps.
A Green Slip covers injury and death caused by your NSW-registered vehicle. SIRA describes the cover as extending to the driver and every third party involved: other drivers, passengers, pedestrians, cyclists and motorcyclists, regardless of fault, unless the driver is charged with a serious driving offence. For a crash in NSW it covers injuries to you and to others. For a crash outside NSW it covers injuries you cause to others, while your own injuries are dealt with under the local scheme.
What people can claim includes treatment and care, income support and, for more serious injuries, a lump sum. Income support is paid at up to 95% of pre-crash earnings for the first 13 weeks and up to 85% from week 14, depending on earning capacity. The public hospital costs of people injured in crashes are covered by the Fund Levy, without a claim. For people who still need treatment and care after 5 years, the scheme's CTP Care program takes over.
A Green Slip never pays to repair or replace your car, the other car, or property inside either vehicle. That needs third party property damage cover at least, or comprehensive.
NSW is a no-fault scheme up to a point. Anyone injured, including the driver who caused the crash, can claim up to 52 weeks of benefits: reasonable and necessary treatment, a share of lost pre-crash earnings (including for the self-employed) and paid domestic and personal care. A claim may not be accepted if the driver has been charged with or convicted of a serious driving offence connected to the crash, or was the at-fault driver of a vehicle they knew was uninsured.
Beyond 52 weeks, the rules turn on fault and on how bad the injury is. SIRA classifies soft tissue injuries and minor psychological injuries as threshold injuries, and they are supported for up to 52 weeks whoever was at fault. People who were not mostly at fault and have a more serious (non-threshold) injury, such as a fracture, can receive benefits beyond 52 weeks and may also claim a common law lump sum for economic loss and permanent impairment. That claim must be made within 3 years of the crash.
SIRA's rule is simple and often misunderstood. If your vehicle becomes unregistered because an insurer wrote it off, it went to an auto wrecker, or it was stolen, you can apply to your CTP insurer for a partial refund of the unused Green Slip. You cancel the registration in person at a Service NSW centre, then give the letter or receipt to your insurer, which calculates the refund from the cancellation date and may deduct an administration fee.
If you sell a registered car, there is no refund. The Green Slip is attached to the vehicle, not to you, so the remaining cover passes to the buyer. SIRA's advice is to factor the unused Green Slip into your sale price.
Price is not the only difference. SIRA publishes a regular CTP Insurer Claims Experience and Customer Feedback Comparison, with claims acceptance rates and customer feedback for each insurer. The most recent edition listed on its site is for March 2026. If you are weighing two quotes a few dollars apart, it is a reasonable tie-breaker, since the insurer you buy from will manage claims made against your policy.
Accuracy matters more than any saving. If an insurer finds you gave wrong details, SIRA says you can face an adjustment charge for the true price, possible cancellation of your registration, reinstatement fees and penalties.
If you are hurt, get treatment first. You need a police event number (from the Police Assistance Line, 13 14 44) and a Certificate of Fitness from a GP. The claim goes to the insurer of the vehicle most at fault. SIRA's CTP Connect tool or CTP Assist can tell you who that is. Claim within 28 days to be paid lost income back to the date of the crash, and in any case within 3 months. The insurer can approve a GP visit and two further treatment sessions before a formal claim.
Our guide to CTP claims in every state covers the NSW steps and deadlines in full.
Every state runs CTP differently. If you are moving or registering a car interstate, check the scheme you are moving into, or see the CTP comparison across all eight.
Yes. You must have a Green Slip before you can register a vehicle in NSW, and a new one must be bought before the current one expires to keep the registration. Driving without current cover can lead to a fine, and an unregistered vehicle can leave you personally liable for injuries you cause.
The Green Slip. Buy it from a licensed insurer, which usually notifies Transport for NSW electronically, then renew the registration. See Green Slip vs rego for the full order of steps.
Usually 12 or 6 months, matching the registration term. Trailers and heavy vehicles over 4.5 tonnes can have 3 or 6-month registration, and fleet owners and motor dealers have other options.
There is no single price, because insurers rate each vehicle and driver individually. The fastest way to see what you should pay is SIRA's Green Slip Price Check, which shows every licensed insurer's quote. Part of every price is SIRA's Fund Levy, which averaged $190.60 per policy from 15 January 2026.
It depends on the vehicle, the youngest driver's age, driving record and where the car is kept, so the cheapest insurer for one person is often not the cheapest for another. Run the Price Check with your own details rather than relying on anyone's general answer. Our cheapest Green Slip guide explains how.
The cover is. Every licensed insurer sells the same statutory policy under the Motor Accident Injuries Act 2017. Prices, claims service and any extras differ.
Insurers set Green Slip prices using rating factors that include the driver's age, so what a pensioner pays depends on the insurer, and the Price Check will show every quote. Separately, Service NSW gives NSW Pensioner Concession Card holders free registration for one vehicle.
No. SIRA says the policy is attached to the vehicle, so it passes to the buyer. Refunds are only available when the vehicle becomes unregistered after being written off, wrecked or stolen.
