Premiums in the ACT

CTP premiums are subject to government regulation to ensure that the interests of the community are protected; that premiums are no higher than they need to be to properly compensate persons injured in motor vehicle accidents; and that the viability of the CTP scheme is maintained. However, CTP premiums are not Government fees or charges. They are paid in their entirety to a licensed insurer

In setting premiums insurers consider the estimated claims cost for the year (the average claim cost), the estimated number of claims (claim frequency), and their own costs to administer the policies. The premium charged also depends on the type of vehicle and whether it is used for private purposes or for business purposes where a GST input tax is claimable - please see Frequently Asked Question 16. Do GST credits apply to CTP?

The ACT’s CTP insurance scheme is a ‘community rated’ scheme, with all motorists for each vehicle class paying the same amount for CTP insurance regardless of their individual risk profile.

‘Community rated’ schemes provide equality and affordability, and reduce the cost of CTP for drivers with differing circumstances (such as young and older drivers):

  • Individual circumstances, such as the age of the driver, the driving record, the age of their vehicle, and the vehicle’s location, do not vary the premiums payable by individuals.

The current CTP premiums applying in the ACT for all CTP classes are provided below for each available CTP insurer. Consumers should note that CTP insurers may offer incentives on their products. You will need to visit each insurer's webpage or contact the insurers directly to obtain information on these products.

The contact details for each of the insurers is as follows:

AAMI                                       www.aami.com.au 13 22 44

Apia                                         www.apia.com.au 13 50 50

GIO                                          www.gio.com.au 13 10 10

NRMA Insurance                     www.nrma.com.au 132 132

The levies that appear on your registration notice fund other services associated with road usage, including the Lifetime Care and Support (LTCS) Scheme and the CTP Regulator. The LTCS levy provides funds for the treatment and care of catastrophically injured persons from motor accidents. The CTP Regulator levy supports the regulator in performing its role to regulate, administer, oversee, review and reform the ACT CTP Scheme.

Rideshare premium information

For information on ridesharing, accreditation and licensing please visit the Access Canberra website (www.accesscanberra.act.gov.au). More information on CTP insurance arrangements for rideshare can be found in the following documents:

Current CTP premiums in the ACT

AAMI

AAMI CTP Premiums effective 1 February 2018 [PDF 76.6KB] [DOC 27.1KB]

Apia

Apia CTP Premiums effective 1 February 2018 [PDF 81.8KB] [DOC 27KB]

GIO

GIO Insurance CTP Premiums effective 1 February 2018 [PDF 76.5KB] [DOC 27.1KB]

NRMA

NRMA Insurance CTP Premiums effective 1 February 2018 [PDF 78KB] [DOC 26.8KB]

Previous CTP premiums applicable in the ACT

AAMI CTP Premiums effective 1 October 2017 [PDF 79.8KB] [DOC 37.2KB]

AAMI CTP Premiums effective 1 April 2016 [PDF 73KB] [DOC 21KB]

AAMI Insurance CTP Premiums effective 17 September 2015 [PDF 321KB] [DOC 27KB]

AAMI CTP Premiums effective 1 March 2015 [PDF 62KB] [DOC 23KB]

AAMI CTP Premiums effective 1 March 2015 [PDF 62KB] [DOC 23KB]

AAMI CTP Premiums effective 15 July 2013 [P656880DF 52KB] [DOC 18KB]

Apia CTP Premiums effective 1 October 2017 [PDF 79.1KB] [DOC 34.5KB]

Apia CTP Premiums effective 1 March 2015 [PDF 64KB] [DOC 29KB]

Apia CTP Premiums effective 15 July 2013 [PDF 47KB] [DOC 18KB]

GIO Insurance CTP Premiums effective 1 February 2017 [PDF 325KB] [DOC 21KB]

GIO Insurance CTP Premiums effective 1 April 2016 [PDF 325KB] [DOC 21KB]

GIO Insurance CTP Premiums effective 17 September 2015 [PDF 334KB] [DOC 36KB]

GIO CTP Premiums effective 15 July 2013 [PDF 48KB] [DOC 18KB]

NRMA Insurance CTP Premiums effective 1 July 2017 [PDF 64KB] [DOC 29KB]

NRMA Insurance CTP Premiums effective 1 October 2016 [PDF 320KB] [DOC 27KB]

NRMA Insurance CTP Premiums effective 1 July 2016 [PDF 78.3KB] [DOC 25.8KB

NRMA Insurance CTP Premiums effective 1 July 2015 [PDF 272KB] [DOC 61KB]

NRMA Insurance CTP Premiums effective 1 December [PDF 272KB] [DOC 61KB]

NRMA Insurance CTP Premiums effective 15 July [PDF 27KB] [DOC 17KB]

NRMA Insurance CTP Premiums 2013 [PDF 27KB] [DOC 17KB]

NRMA Insurance CTP Premiums 2012 [PDF 160KB] [DOC 20KB]

NRMA Insurance CTP Premiums 2011 [PDF 13KB] [DOC 20KB]

NRMA Insurance CTP Premiums 2010 [PDF 14KB] [DOC 29KB]

NRMA Insurance CTP Premiums 2009 [PDF 14KB] [RTF 43KB]

NRMA Insurance CTP Premiums 2009 [PDF 13KB] [RTF 20KB]

CTP Brochure Good Vehicles 2009 [PDF 752KB]

Premiums applicable prior to 2 March 2009 can be found in Schedule 1 to the Roads Transport (Third-Party Insurance) Regulation 2000external link

Back to topIn setting premiums insurers consider the estimated claims cost for the year (the average claim cost), the estimated number of claims (claim frequency), and their own costs to administer the policies.  The premium charged also depends on the type of vehicle and whether it is used for private purposes or for business purposes where a GST input tax is claimable