Checked against official sources on 2026-11-04
CTP green slip: injuries to people
Compulsory Third Party (CTP) insurance, the green slip, is required to register a car in NSW. It covers injuries to people in a crash. It does not pay for damage to cars or other property.
Third party property: damage you cause to others
Third party property insurance pays for damage you cause to other people's cars and property when you are at fault. Basic policies don't repair your own car; some add limited cover for your car when an uninsured driver hits you.
Comprehensive: your car too
Comprehensive insurance also covers your own car, usually whoever caused the crash, subject to your excess and the policy terms.
If the other driver was at fault
Your own cover type matters less than you might think. If another driver caused the crash, you can usually claim your repairs and other reasonable losses, such as a replacement car, from them or their insurer — even with no insurance of your own. Claiming that way may also avoid paying your own excess, but you should still tell your insurer about the accident if your policy requires it.
If you were at fault
With comprehensive cover, claim through your insurer and pay your excess. With third party property only, your policy covers the other driver's car but not yours. MotorClaim can manage the repair; where your policy lets you choose the repairer and we manage the repair, we may cover or subsidise the excess up to AUD 1,000, confirmed before work starts.
Common questions
- Does a green slip cover damage to my car?
- No. CTP covers injuries to people, not damage to vehicles or property.
- I only have third party property insurance and someone hit me. Can I still get my car fixed?
- Usually yes, by claiming against the at-fault driver or their insurer. Your own policy type doesn't stop that claim.
- Do I have to pay my excess if I'm not at fault?
- If you claim against the at-fault party instead of your own policy, your excess usually doesn't apply. It depends on how the claim is made.
Sources
General information only, not legal advice. Your situation depends on the facts and the terms you sign.
