Compare CTP Green Slips in NSW: all six insurers side by side
To compare CTP Green Slips in NSW, use SIRA's free Green Slip Price Check: it shows a quote from all six licensed insurers (AAMI, Allianz, GIO, NRMA Insurance, QBE and Youi) for the most common vehicle types, based on your own details. The cover is set by law and identical at every insurer, so this page compares what does differ: each insurer's claims record, how you buy and renew, the terms on offer and the one insurer that adds at-fault driver cover.
A Green Slip (often written greenslip) is the compulsory third party (CTP) insurance you must buy before you can register a vehicle in New South Wales. It covers injuries to people only. To compare cover for damage to cars, see compare car insurance in NSW.
By Better Rate Mate Editorial Team · Last reviewed
General advice only. It doesn't consider your circumstances. Read the PDS and TMD before you decide.
| 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 Insurance, QBE and Youi. AAMI and GIO are both issued by AAI Limited |
| 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 |
| Fixed part of every price | SIRA's Fund Levy: an average of $190.60 per policy from 15 January 2026 (it was $164.80). Changing insurer does not change it |
| Official price comparison | SIRA's Green Slip Price Check, free, covering all six insurers for the most common vehicle types |
| 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 |
The six Green Slip insurers side by side
Six insurers are licensed by SIRA to sell Green Slips in NSW: AAMI, Allianz, GIO, NRMA Insurance, QBE and Youi. Every one sells the identical policy set by the Motor Accident Injuries Act 2017, so the table compares what does differ: who issues it, how you buy and renew, the terms and extras on offer, and SIRA's figures on how each insurer handles claims.
You can buy from the insurer directly, online or by phone, or through one of its agents. SIRA says it is important to buy from a licensed CTP insurer or its authorised representative, to avoid inaccurate information being submitted on your behalf by someone who is not authorised.
| AAMI | Allianz | GIO | NRMA Insurance | QBE | Youi | |
|---|---|---|---|---|---|---|
| Issued by | AAI Limited | Allianz Australia Insurance Limited | AAI Limited | Insurance Australia Limited | QBE Insurance (Australia) Limited | Youi Pty Ltd |
| Phone for quotes (SIRA's list) | 132 244 | 1300 137 664 | 131 010 | 132 132 | 133 723 | 1300 004 007 |
| How to buy and renew | Online; pay by phone or Post Billpay | Online; 24/7 automated phone line | Online, by phone, at a GIO agency or by Post Billpay | Online, by phone, in its app or at a branch | Online or by phone | Online or by phone |
| Terms | 6 or 12 months | 6 or 12 months; 3 months for heavy vehicles over 4.5 tonnes | 6 or 12 months | 6 or 12 months | 3, 6 or 12 months, to match the registration | 6 or 12 months |
| Extra cover or discount | None; its page says premiums cannot be discounted | None stated | None; its page says premiums cannot be discounted | Driver Protection Cover for at-fault drivers at no extra cost (not motorcycles) | Good Driver Discount for eligible drivers with no demerit points | None; its page says Green Slip prices cannot be discounted |
| Claims accepted for statutory benefits | 98.2% | 94.5% | 98.1% | 96.6% | 97.6% | 97.4% |
| Average weeks from claim to first income payment | 4.9 | 4.2 | 4.8 | 4.1 | 5.1 | 4.0 |
| Customer service score (0 to 100) | 67.1 | 74.3 | 72.9 | 68.6 | 66.1 | 79.8 |
| Share of complaints / share of active claims | 10.3% / 9.5% | 14.6% / 22.4% | 7.7% / 12.8% | 28.4% / 27.9% | 37.1% / 23.5% | 1.9% / 3.9% |
Before you run the Price Check
The Price Check takes a few minutes if you have these ready. 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. It says the first two usually give the most accurate prices.
- Your driver licence number or registration billing number, or the vehicle's number plate or VIN.
- The vehicle's year, make and model, if you enter it yourself.
- The youngest driver's age. SIRA says insurers ask for it, along with any demerit points.
- Any driving offence in the past 3 years and 4 months that added demerit points to a driver's licence. Service NSW says it can affect the price even if the points have since been removed.
- Where the vehicle is parked, and whether you hold comprehensive insurance. SIRA lists both among the factors insurers may use.
Which Green Slip insurer is best? What SIRA's claims figures show
The cover is identical, so the best Green Slip for you is the lowest price for your details, then the better claims record if two quotes are close. That is the only basis on which one Green Slip can be better than another, and it is why we do not rank the six insurers.
For the claims record, SIRA publishes a CTP Insurer Claims Experience and Customer Feedback Comparison. The latest edition covers 1 July 2025 to 30 June 2026. The insurer you buy from manages claims made against your policy, including your own claim if you are hurt as the at-fault driver, so these figures are a fair way to choose between two similar quotes.
They describe how each insurer handled past claims. They are not ratings, and no single measure makes one insurer better overall.
| Measure | AAMI | Allianz | GIO | NRMA | QBE | Youi |
|---|---|---|---|---|---|---|
| Claims accepted for statutory benefits | 98.2% | 94.5% | 98.1% | 96.6% | 97.6% | 97.4% |
| Average weeks from claim to first income support payment | 4.9 | 4.2 | 4.8 | 4.1 | 5.1 | 4.0 |
| Injured people receiving treatment and care within four weeks of claim | 94.9% | 97.2% | 94.7% | 95.1% | 94.2% | 97.6% |
| Internal reviews within the prescribed time | 99.5% | 99.8% | 99.8% | 98.3% | 98.3% | 99.4% |
| Injured people working 26 weeks after the crash | 74.4% | 73.6% | 72.5% | 70.7% | 64.5% | 68.4% |
| Customer service score at the 3-month stage of a claim (0 to 100) | 67.1 | 74.3 | 72.9 | 68.6 | 66.1 | 79.8 |
Complaints against each insurer
SIRA also counts complaints from injured people. Comparing an insurer's share of complaints with its share of active claims shows whether it draws more or fewer complaints than its size would suggest.
| Insurer | Complaints | Share of complaints | Share of active claims |
|---|---|---|---|
| AAMI | 44 | 10.3% | 9.5% |
| Allianz | 62 | 14.6% | 22.4% |
| GIO | 33 | 7.7% | 12.8% |
| NRMA | 121 | 28.4% | 27.9% |
| QBE | 158 | 37.1% | 23.5% |
| Youi | 8 | 1.9% | 3.9% |
| All insurers | 426 | 100% | 100% |
Green Slip insurers one by one
How to get a quote and renew with each licensed insurer, what it offers alongside the Green Slip, and its figures in SIRA's comparison for the year to 30 June 2026. All six sell Green Slips for cars; for riders, see our guide to motorcycle Green Slips. These are facts from each insurer's own pages and from SIRA, not ratings.
AAMI Green Slip
AAMI's NSW Green Slips are issued by AAI Limited, the same company that issues GIO's. You can get a quote online or on 132 244, and renew or pay online with the Payment Reference Number on your renewal notice, by phone or by Post Billpay (AAMI's NSW pay or renew page). It offers 6 or 12-month terms and says Green Slip premiums cannot be discounted. In SIRA's figures AAMI accepted 98.2% of claims for statutory benefits, scored 67.1 for customer service, and drew 10.3% of complaints against 9.5% of active claims.
Allianz Green Slip
Allianz Green Slips are issued by Allianz Australia Insurance Limited. Quotes are online or on 1300 137 664, and you renew online with the Biller Reference Number on your renewal notice or through its 24/7 automated line on 1300 888 224 (Allianz's NSW Green Slip page). It offers 6 or 12-month terms, and 3 months for heavy vehicles over 4.5 tonnes; its page lists no extra cover or discount. In SIRA's figures Allianz accepted 94.5% of claims, took 4.2 weeks on average to the first income payment, and scored 74.3 for customer service.
GIO Green Slip
GIO Green Slips are issued by AAI Limited, which also issues AAMI's. Get a quote online or on 131 010, and renew online with your policy number or Payment Reference Number, on GIO's CTP payment line (1300 663 417), at a GIO agency or by Post Billpay (GIO's NSW payments page). Terms are 6 or 12 months, and GIO says premiums cannot be discounted. Shannons sells NSW Green Slips as GIO's agent, so a Shannons Green Slip is a GIO policy. In SIRA's figures GIO accepted 98.1% of claims and scored 72.9 for customer service.
NRMA Green Slip
NRMA Insurance Green Slips are issued by Insurance Australia Limited. You can buy online, on 132 132, in the NRMA app or at a branch, and renew online with the policy number on your renewal notice and your postcode (NRMA's NSW Green Slip page). Terms are usually 6 or 12 months. NRMA says it is the only NSW CTP insurer that adds cover for at-fault drivers at no extra cost: Driver Protection Cover, which pays set lump sums for specified serious injuries (not for motorcycles). In SIRA's figures NRMA accepted 96.6% of claims and scored 68.6 for customer service.
QBE Green Slip
QBE Green Slips are issued by QBE Insurance (Australia) Limited. Quote and buy online or on 133 723; to renew online you need your QBE CTP certificate number, the number plate and, if it applies, your NSW licence (QBE's NSW Green Slip page). QBE lists 3, 6 or 12-month terms to match the registration, and a Good Driver Discount for eligible drivers with no demerit points, which also depends on the car and the ages of the car, owner and other drivers. In SIRA's figures QBE accepted 97.6% of claims and drew 37.1% of complaints against 23.5% of active claims.
Youi Green Slip
Youi Green Slips are issued by Youi Pty Ltd. Quote and buy online or on 1300 004 007 (weekdays, 8am to 6pm), and renew online with your policy number or registration, or through the link in Youi's renewal email (Youi's NSW Green Slip page). Terms are 6 or 12 months, and Youi says insurers cannot discount Green Slip prices. In SIRA's figures Youi accepted 97.4% of claims, took 4.0 weeks on average to the first income payment, and scored 79.8 for customer service, with 1.9% of complaints against 3.9% of active claims.
How much a Green Slip costs, and why prices change
There is no set price for a NSW Green Slip: each insurer prices your vehicle and drivers, and the one fixed part is SIRA's Fund Levy, which averaged $190.60 per policy from 15 January 2026, up from $164.80. The Price Check shows every insurer's price for your details, and our guide to the cheapest Green Slip in NSW explains how to find the lowest one.
Your Green Slip is priced partly on you. SIRA explains that each insurer must charge enough to cover the overall cost of future claims and its running costs, then adjusts your price for rating factors including age, driving history, demerit points and claims history. Insurers may also consider the vehicle's age, where it is parked, whether you hold comprehensive insurance and their overall risk in the scheme.
That is why one insurer's Green Slip can be much cheaper than another's for the same car. SIRA says insurers may have different views on risk costs and may use different rating factors, so premiums vary between them. A cheaper quote is not thinner cover. Your own price also moves from one renewal to the next as your age, record and claims history change.
Queensland, South Australia and the ACT work differently: there, everyone with the same class of vehicle pays the same CTP premium to a given insurer. In NSW the comparison is personal, so 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. SIRA sets the levy as a flat fee, not the insurer, and shows it separately on your Green Slip invoice, so changing insurer does not change it. It pays for the initial ambulance and hospital costs of people hurt in crashes and for lifetime care of the most seriously injured.
| 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 |
Renewing your Green Slip, or switching insurer at renewal
You renew a Green Slip by buying a new one before the current one expires, and you can buy it from any of the six insurers, not only the one named on your renewal notice. NRMA's own page says any of the licensed NSW CTP insurers can be chosen at renewal, and SIRA encourages shopping around. Run the Price Check first, then renew with whichever insurer you choose.
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. Depending on the insurer you may also 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. If you buy a Green Slip and then choose another insurer, AAMI, for one, says you can cancel its policy as long as it has not been used to register the vehicle, so check the insurer's cancellation terms before you pay twice.
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 and what the two cost together.
| Insurer | Renew or pay online | What you need | By phone |
|---|---|---|---|
| AAMI | AAMI pay or renew | The renewal notice's Payment Reference Number and an email address | 1300 290 377 (automated card payments) |
| Allianz | Allianz Green Slip renewals | The renewal notice's Biller Reference Number | 1300 888 224 (24/7 automated), or 1300 137 664 |
| GIO | GIO NSW payments | Your policy number or Payment Reference Number, and an email address | 1300 663 417 (CTP payments) |
| NRMA Insurance | NRMA Green Slip payments | The policy number on your renewal notice, and your postcode | 131 144; to pay more than 42 days before rego is due, call 132 132 or visit a branch |
| QBE | QBE Green Slip NSW | Your QBE CTP certificate number, the number plate and, if it applies, your NSW licence | 133 723 |
| Youi | Youi NSW Green Slip | Your policy number or vehicle registration, or the link in Youi's renewal email | 1300 004 007 |
Green Slip or third party property insurance?
In NSW, "third party insurance" can mean either of two policies. The Green Slip is the one you must have to register. Third party property damage is optional cover for the damage a Green Slip never pays for. Read more about third party car insurance.
| Policy | Compulsory? | What it pays for | What it never pays for | Where you buy it |
|---|---|---|---|---|
| Green Slip (CTP) | Yes, to register the vehicle | Injuries and deaths caused by your vehicle | Damage to any car or property | One of six licensed insurers, before you register |
| Third party property damage | No, optional | Damage your car causes to other people's cars and property | Injuries, and damage to your own car | A car insurer that sells it |
What a NSW Green Slip covers
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, run by icare, 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.
If the crash was your fault
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.
One insurer adds to this: NRMA Insurance includes Driver Protection Cover with its Green Slips at no extra cost, paying set lump sums if the at-fault driver suffers specified serious injuries, such as $500,000 for quadriplegia (not for motorcycles). Its Driver Protection Cover Information Sheet lists the injuries and amounts.
Green Slips for pensioners
The NSW pensioner concession is on registration, not the Green Slip. Transport for NSW waives the registration fee and motor vehicle tax for one vehicle for NSW residents with a current Pensioner Concession Card from Centrelink or the Department of Veterans' Affairs, or a DVA Gold Card endorsed TPI, EDA or War Widow. Interstate concession cards are not accepted, and you still need to buy a Green Slip.
Insurers can take the driver's age into account when they price a Green Slip, so what a pensioner pays depends on the insurer. Run the Price Check with your own details to see every quote.
Green Slip refunds: when you get money back
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.
Claiming on a Green Slip
If you are hurt, get treatment first, then claim with the insurer of the vehicle most at fault: within 28 days to be paid lost income back to the date of the crash, and in any case within 3 months. Our guide to CTP claims in every state covers the NSW steps, the documents you need and SIRA's CTP Assist service.
CTP in other states and territories
Every state runs CTP differently. If you are moving or registering a car interstate, check the scheme you are moving into, or see how CTP works in every state.
General advice only. This information doesn't take into account your objectives, financial situation or needs. Consider whether the product is right for you and read the Product Disclosure Statement (PDS) and Target Market Determination (TMD) before you decide. We don't compare every product in the market, and we may earn a commission if you take up a product through our links.
What to watch for
- Your renewal notice names your current insurer, but you can buy the new Green Slip from any of the six.
- Selling the car does not earn a refund. Only a write-off, wrecking or theft followed by cancelled registration does.
- Give the insurer accurate details, including demerit points from the last 3 years and 4 months. Wrong details can cost you an adjustment charge and your registration.
- A cheaper Green Slip is not thinner cover. The benefits are set by the Motor Accident Injuries Act 2017 and identical across insurers.
- Buy the Green Slip for the same term as the registration you want. A 6-month Green Slip only lets you renew for 6 months.
- The Green Slip covers injury only. Repairs to any car, including yours, need separate car insurance.
Common questions
Is third party insurance compulsory in NSW?
Compulsory third party (CTP) insurance is: in NSW it is the Green Slip, and you must have one before you can register a vehicle and keep one current to keep the registration. Third party property damage, which pays for damage you cause to other people's cars and property, is optional. See third party car insurance.
How much does a 12 month Green Slip cost?
There is no set price for a 12-month Green Slip in NSW: each of the six insurers prices your vehicle and drivers individually, and SIRA's free Green Slip Price Check shows all six prices for the most common vehicle types. Every price includes GST and SIRA's Fund Levy, which averaged $190.60 per policy from 15 January 2026.
Has the Green Slip gone up?
Part of it has. SIRA sets the Fund Levy included in every Green Slip, and the average levy went from $164.80 to $190.60 per policy from 15 January 2026, an increase of $25.80 or about 16%. The rest of the price is each insurer's own rating of your age, record and vehicle, so whether your Green Slip went up depends on your insurer and your details.
Do I pay the Green Slip or rego first?
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.
How long is a NSW Green Slip valid for?
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.
Can I switch Green Slip insurer when I renew?
Yes. You buy a new Green Slip for each registration period, and you can buy it from any of the six licensed insurers, not only the one named on your renewal notice. NRMA's own page says any licensed NSW CTP insurer can be chosen at renewal. Buy it before the current one expires, for the same term as the registration you want.
Why is one insurer's Green Slip so much cheaper?
Because each insurer prices your risk its own way. SIRA says insurers may have different views on risk costs and may use different rating factors, so premiums vary between them. The cover is the same whichever insurer you choose, so a lower quote is not weaker cover.
Is QBE's Green Slip always the cheapest?
No. Each NSW insurer prices your details its own way, so QBE can quote lowest for one driver and higher for another. QBE's NSW Green Slip page lists a Good Driver Discount for eligible drivers with no demerit points, which can lower its price for those drivers. The cover is identical at all six insurers, so compare all six with the Price Check.
Does any Green Slip include at-fault driver cover?
Yes, one: NRMA Insurance includes Driver Protection Cover with its Green Slips at no extra cost, paying set lump sums if the at-fault driver suffers specified serious injuries (not for motorcycles). Every Green Slip also gives an at-fault driver up to 52 weeks of statutory benefits unless they are charged with a serious driving offence.
Which companies issue the six Green Slip brands?
Five companies issue NSW Green Slips under six brands: AAI Limited (which sells as both AAMI and GIO), Allianz Australia Insurance Limited, Insurance Australia Limited (NRMA Insurance), QBE Insurance (Australia) Limited and Youi Pty Ltd. Other brands that sell Green Slips arrange them through one of these: Shannons, for example, sells GIO Green Slips as GIO's agent.
What is the difference between SIRA and icare?
SIRA regulates the Green Slip scheme: it licenses the six insurers, sets the Fund Levy and runs the Green Slip Price Check. icare's Lifetime Care and Support Authority pays for the treatment and care of people severely injured in NSW motor accidents, funded by a levy on NSW Green Slips, and icare also runs CTP Care for people with a long-term injury and an accepted CTP claim.
Why is CTP so expensive in NSW?
A Green Slip has to pay for the injuries a vehicle causes, which can include years of treatment, care and income support. SIRA says insurers must charge enough to cover the overall cost of future claims and their running costs, and every price also includes GST and the Fund Levy for ambulance, hospital and lifetime care costs. Your own age, record and vehicle then move the price up or down.
How do I check a car's Green Slip?
Use Service NSW's free registration check. For a vehicle registered in NSW it shows the compulsory third party (CTP) insurer and the policy expiry date, along with the registration expiry. You need the number plate.
Can I get a Green Slip refund if I sell my car?
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. Our guide to the cheapest Green Slip in NSW covers other ways to pay less.