Compulsory Third Party Insurance and Premiums

Third party bodily insurance is compulsory in South Australia. You pay your third party insurance premium when you pay your registration.

Compulsory Third Party Bodily Insurance covers you for bodily injury only and not for damage to your vehicle or any other vehicles involved in the accident.

In January 2004 the Motor Accident Commission introduced a “dual CTPI premium structure” whereby vehicle owners must declare any Input Tax Credit (ITC) entitlement at time of application or renewal of registration. New insurance premium classes were introduced to differentiate between an ITC entitled vehicle owner and an owner who has no ITC entitlement.

Effective 1 July 2006 the engine capacity for motorcycle premium classes 16, 20, 36, 40, 66, 70, 86, and 90 have been amended from 600cc to 660cc in-line with the Learner Approved Motorcycle Scheme (LAMS) which was introduced in November 2005.

Compulsory Third Party Insurance (CTPI) information, including ITC entitlement, for South Australia is available from the Motor Accident Commission. The CTPI schedule (PDF) containing the premium classes and associated fees is available for download.

Effective from 1 July 2008

Third Party Insurance Premium Schedule available from any Customer Service Centre.

When determining the appropriate premium class, you need to consider

• the type of vehicle
• the purpose for which the vehicle is used
• the district in which the vehicle is usually garaged, kept or operated

Additionally, when registering a vehicle for a registration that commences on or after 1 January 2004, the registered owner must declare their entitlement to claim any Input Tax Credit (ITC) on the third party insurance.

Information regarding ITC entitlement is contained on the application for registration and third party insurance, with further information being available on the Motor Accident Commission website - www.mac.sa.gov.au (click on 'FAQ' - Frequently Asked Questions).

Insurance Rating District 1 applies if the vehicle is garaged, kept or operated at one of the following postcodes.

Insurance Rating District 2 applies if the vehicle is garaged, kept or operated in any area within the State of South Australia outside the above postcodes, plus the following localities within the postcodes listed below.

In the case of premium class 16, 20, 36, 40, 66, 70, 86 and 90 , the insurance premium payable is based on the normal place of residence of the owner or principal place of business of a corporate body.

If your premium class has altered

You need to complete an Application to Change the Insurance Premium on a Registration form available from any Customer Service Centre .

The premium class of your vehicle may have altered due to a

• change of residential and/or garaging address
• alteration to the construction of the vehicle
• change to any concession status
• change in the use of the vehicle
• Change in Input Tax Credit (ITC) entitlement - effective from 1 January 2004

'EXCESS' PROVISIONS - MOTOR VEHICLES ACT 1959

Section 124ab of the Motor Vehicles Act 1959 states that where an insured person (and that includes the driver) incurs a liability (against which he or she is insured under the policy) and is more than 25% at fault, the insurer may recover up to $300.00 from the insured person as a debt. This does not prevent the insurer at a later date exercising any other right of recovery under part IV of the Act (eg for breach of warranty relating to intoxicating liquor)