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In Tasmania, compulsory third party insurance is provided by the Motor Accidents Insurance Board (MAIB), a Tasmanian Government Business Enterprise, and the premium is paid as part of your vehicle registration. There is no insurer to choose. The MAIB pays medical and income benefits on a no-fault basis, and people injured through someone else's negligence can also claim common law damages.
This page covers how the premium is paid, what the no-fault benefits include, how common law claims work, and the 12-month deadline for applying for benefits.
By Better Rate Mate Editorial Team ยท Last reviewed
| Tasmania | |
|---|---|
| Name | MAIB premium (Tasmania's compulsory third party insurance) |
| Provider | Motor Accidents Insurance Board (MAIB), a Tasmanian Government Business Enterprise established in 1974 |
| Can you choose an insurer? | No |
| How you pay | With your registration renewal, payable to the Registrar of Motor Vehicles annually, six-monthly or quarterly |
| Off-road and recreational vehicles | Can be covered by paying an MAIB premium through Service Tasmania |
| Fault basis | No-fault medical and income benefits, plus common law damages where someone else was negligent |
| Premium schedule | Premiums and vehicle classifications schedule as of 1 December 2025 |
| Claim deadline | Application for Benefits within 12 months of the accident; common law claims generally within 3 years |
| Legislation | Motor Accidents (Liabilities and Compensation) Act 1973 |
If your vehicle is registered, the MAIB premium is paid compulsorily as part of the registration renewal fee, and the renewal form shows the MAIB amount. Premiums are payable to the Registrar of Motor Vehicles and can be paid annually, six-monthly or quarterly at any Service Tasmania shop. Transport can be reached on 1300 135 513, and you can check whether a vehicle's registration and MAIB cover are current through the online services on the Transport website.
The MAIB is clear that owners must have a current MAIB premium on the vehicle to qualify for benefits. The premium depends on the vehicle's classification, set out in the MAIB's premium schedule (the current schedule is dated 1 December 2025). The MAIB states that it charges the lowest CTP premium in Australia.
Unregistered off-road and recreational vehicles are not covered by a registration premium, but an MAIB premium can be arranged for them through a Service Tasmania shop. The MAIB publishes guidance on why owners of these vehicles should consider it.
The MAIB pays no-fault benefits on accepted claims to eligible drivers, passengers, motorcyclists and other road users, irrespective of who caused the accident. They may include:
Claimants who need at least two hours of care a day for an indefinite period (the MAIB calls them daily care claimants) have no monetary limit on their ongoing care, rehabilitation and treatment costs, which the MAIB continues to pay rather than settling as a lump sum. The MAIB also provides purpose-built supported accommodation in Hobart, Launceston and Ulverstone, including independent living units for people moving towards living on their own again.
If your injury was caused, or contributed to, by another driver's fault, you can also seek common law compensation: a lump sum for lost past and future earnings, pain and suffering, out-of-pocket expenses and future care needs. The MAIB pays it on behalf of whoever was at fault.
Being at fault means failing to take reasonable care to avoid causing injury, including partial fault. You generally have up to three years to make a common law claim. The MAIB recommends getting legal advice early; most claims are settled through negotiation and mediation, and only some go to court.
There are three steps, and the second only applies if you were a driver or owner:
Tasmania is one of four places, with Victoria, Western Australia and the Northern Territory, where a single government body provides compulsory injury cover and you cannot choose an insurer. Like Victoria's TAC and the NT's MAC Scheme, the MAIB pays benefits whoever was at fault. Unlike Western Australia, an at-fault driver's own injuries are covered. See the CTP comparison across Australia for all eight schemes side by side.
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. The MAIB premium is paid compulsorily as part of your registration renewal fee, and the renewal form shows the MAIB amount.
No. The Motor Accidents Insurance Board is the only provider of compulsory third party insurance in Tasmania.
Yes, for no-fault benefits. Medical, rehabilitation, care and disability allowance benefits are paid on accepted claims irrespective of who caused the accident. Common law damages are only available where someone else was at fault.
Return an Application for Benefits (Form B) within 12 months of the accident. Common law compensation claims generally have up to three years.
Yes. MAIB premiums are payable to the Registrar of Motor Vehicles annually, six-monthly or quarterly at any Service Tasmania shop.
No. The MAIB scheme compensates people for injury. Damage to vehicles and property needs separate car insurance.
