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Compare And Save Money On Your Car Insurance

We allow you to compare with ease each greenslip based on its insurer’s discounts, added benefits, online, phone and retail features by using our Online Price Calculator Here.

1 insuranceAside from considering which greenslip is the most cost-effective, there are numerous other factors we encourage you to consider when making your Greenslip purchase.

It’s important to take into consideration any extra benefits offered by the insurers. These benefits include additional discounts, terms and conditions, and the level of accessibility for purchase online, by phone or in person.

Bearing these factors in mind, the tables below will assist your comparison of each greenslip insurer.

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Beware Of Insurance Scams – Always Compare Prices

What To Consider

With the consideration of factors such as location, driver age, location, claims history and driving record, greenslip prices will be evaluated by each insurer.

As a general rule, insurers can only charge premiums on a basis which has been put forward to the MAA and has not been rejected by the MAA. Hence, discounts for factors such as a lack of claims and a good driving record are already considered in the greenslip price, provided the price given is the suitable one for the vehicle and owner characteristics.

Beware Of Discounts Which Are Not Discounts

Some insurers claim to discount the greenslip price based on other insurance products which you may have placed with that insurer (product bundling). In this instance, there is no explanation or visibility of calculation of the discount for product bundling. The reality is that discounting the greenslip price on the basis of product bundling is NOT permitted under paragraph 4.2.2 of the MAA Premiums Determination Guidelines. BEWARE OF SCAMS

On the other hand, insurers may offer discounts on the other types of insurance (such as comprehensive vehicle insurance) if a greenslip and other products are bundled with that particular insurer.

Genuine Discounts Available

Below is a table containing an overview of discounts provided by each insurer. If you require further information on the discounts you should check the insurer’s website and speak to the insurer.

Insurer Discount on Other Products for having a CTP Green Slip
AAMI
ALLIANZ
CIC ALLIANZ
GIO GIO offers multi-policy discounts.
GIO will give a discount $50.00 off your next Comprehensive insurance premium, if you have GIO CTP insurance and a maximum No Claim Discount on your Comprehensive insurance.
The discount does not apply to fleets or policies issued by GIO Business Insurance.
Check the GIO website for full terms and exclusions.
NRMA INSURANCE NRMA offers multi-policy discounts.
If you bundle your CTP Greenslip with other NRMA Insurance products, NRMA Insurance offers discounts from 5% to 12.5% on certain other insurance products.
The discount does not apply to commercial policies.
Check the NRMA Insurance website for full terms and exclusions.
QBE
ZURICH

At Fault Driver Cover

As required by the Motor Accidents Compensation Act 1999 and the Motor Accidents (Lifetime Care and Support) Act 2006, all greenslip insures will provide the constitutional cover.

Out of the seven insurers, four include an additional feature. This feature is the provision of benefits for drivers in the instance where the driver is injured and at fault in an accident.  This is commonly referred to as At Fault Driver Cover.

Generally under the greenslip scheme, the driver who is at fault is not covered the degree as the other parties involved in an accident – unless catastrophically injured. Hence, At Fault Driver Cover is a valuable feature to have.

Other than the At Fault Driver Cover, none of the insurers provide any additional features. However, from insurer to insurer, the terms, exclusions and schedule of benefits differ.

In addition to policy wording and exclusion, At Fault Driver Cover is limited to specific injuries and the amounts laid out in each insurer’s schedule of benefits.

Schedule Of Benefits

Prior to purchasing a Greenslip, it is important that you understand the full terms applying to the insurers’ At Fault Driver Cover by referring to the insurers’ policy document.

Below is an overview of each insurer’s schedule of benefits and various important exclusions. Further information on At Fault Driver Cover is offered on this site.

Insurer Additional Feature – At Fault Driver Cover
AAMI
ALLIANZ At-Fault Driver Protection Insurance is provided with some greenslips. Allianz At-Fault Driver Protection Insurance cover provides protection for specified injuries or death if you are the “at fault” driver in a motor accident. Certain drivers and vehicles are excluded from coverage and the At-Fault Driver Protection Insurance Policy contains limitations, exclusions and conditions which you should check.
The policy document is on the Allianz website.
CIC ALLIANZ
GIO Driver Cover Plus is provided with some greenslips. Driver Cover Plus compensates drivers, who cause a motor vehicle accident and are injured, or the driver’s estate or dependants if the driver at fault is killed as a result of a motor vehicle accident. Certain drivers and vehicles are excluded from coverage and the Driver Cover Pus Policy contains limitations, exclusions and conditions which you should check.
The policy document is on the GIO website.
NRMA INSURANCE At-Fault Driver Cover is provided with some greenslips. NRMA Insurance Compulsory Third Party At-fault Driver Cover provides benefits to some drivers for certain serious injuries if they have a car accident that is their fault.
Certain drivers and vehicles are excluded from coverage and the CTP At-Fault Driver Policy contains limitations, exclusions and conditions which you should check.
The policy document is on the NRMA website.
QBE
ZURICH CTP At-Fault Driver Insurance is provided with some greenslips.
Zurich will pay you for some injury suffered as a result of a motor accident which was caused solely and directly by you as the driver at fault.
Certain vehicles and drivers are excluded from coverage and the CTP At-Fault Driver Insurance Policy contains limitations, exclusions and conditions which you should check.
The Policy is on the Zurich web site.
Schedule of Benefits
Allianz GIO NRMA
Insurance
Zurich
Quadriplegia $250,000 $300,000 $250,000 $300,000
Paraplegia $100,000 $150,000 $100,000 $100,000
Total loss of power of speech - $100,000 $50,000 -
Total loss of hearing - $100,000 $50,000 -
Permanent / total loss of sight in one eye $25,000 $50,000 $50,000 $25,000
Permanent / total loss of sight in both eyes $50,000 $100,000 $100,000 $50,000
Loss of or total loss of sight in one eye, the other eye being blind or absent - - $100,000 $50,000
Total and permanent loss of sight in one eye, the other eye already being blind - - - -
Loss / amputation of one hand and one foot - - $50,000 -
Loss / amputation of one hand or one foot - - $50,000 $50,000
Loss / amputation of both hands or feet - - $50,000 -
Amputation of both hands and both feet - $100,000 - -
Amputation of one hand and one foot - $100,000 - -
Amputation of one hand or one foot - $20,000 - -
Loss of or permanent total loss of use of one limb $50,000 - - -
Amputation of one or more limbs, at a level above the wrist or ankle - - - -
Loss of thumb and fore finger on one hand - - $25,000 -
Fractured pelvis - $10,000 - -
Fractured skull - $10,000 - -
Fractured vertebrae (Process or body) - $10,000 - -
Laceration of liver - $10,000 - -
Laceration of kidney - $10,000 - -
Laceration of spleen - $10,000 - -
Laceration of lung - $10,000 - -
3rd degree burns (Burns sustained to 10% of body or greater) - $20,000 - -
Fractured ribs (Greater than 4) - $10,000 - -
Fractured sternum - $10,000 - -
Fractured upper arm - $2,000 - -
Fractured lower arm (Excluding fractures of hand) - $2,000 - -
Fractured upper leg - $2,000 - -
Fractured lower leg (Excluding fractures of foot) - $2,000 - -
Death $10,000 $10,000 - $20,000
Benefits 6 24 11 7

Limits Of Benefits

Should there be multiple injuries or death, insurers will have limits on the number of benefits and rules on which benefit will be payable. Insurers will commonly cover only one benefit – which may not be the highest benefit in all cases.

Of importance, each insurer will reject payment on the basis of a variety of other exclusions. These exclusions are listed in each of the insurers’ policy documents. We have listed below the exclusions which we believe are most notable. For the complete list of exclusions, you will need to refer to those policy documents.

Insurer Notable Exclusions from At Fault Driver Cover
Allianz Motor Bikes.
Drivers under 25 years.
Goods carrying vehicles with a gross vehicle mass greater than 4.5 tonnes.
Vehicles that are 10 years old or more at the commencement of of the period of the CTP insurance.
GIO Motor Bikes.
Drivers under 25 years, unless the vehicle is also comprehensively insured with GIO.
Goods carrying vehicles with a gross vehicle mass greater than 4.5 tonnes.
NRMA Insurance Motor Bikes.
Zurich Motor Bikes.
Drivers under 25 years.
Goods carrying vehicles with a gross vehicle mass greater than 4.5 tonnes.
CTP greenslips issued on a quarterly or six monthly basis.

Accessibility to Purchase in Person

Some insurers operate through agents of some form that will meet with you. Others have their very own branch network for you to enter.

However, depending on where you live and the insurance company, access to purchase a greenslip in person can be very difficult.

Insurer NSW Offices Opening Times Locations
AAMI - - AAMI does not distribute through brokers or agents.
ALLIANZ Motor Dealers - Many of the major motor dealers.
CIC ALLIANZ - - CIC Allianz greenslips can be purchased at Allianz Head Office, 2 Market Street, Sydney. CIC Allianz products are distributed through brokers and agents. CIC Allianz will not provide infomation to help you find a broker or agent.
GIO 30+ Weekdays, business hours. Check on the GIO website for branches and agents near you.
NRMA INSURANCE 220 Various Check on the NRMA website for branches and agents near you.
QBE - - QBE greenslips can be purchased at the Head Office, Level 8, 82 Pitt Street, Sydney. QBE products are distributed through brokers and agents. QBE will help you find the nearest broker or agent.
ZURICH - - Zuich products are distributed through brokers and agents. Zurich will help you find the nearest broker or agent.

Accessibility to Purchase over Phone

Even via telephone, there is a notable variation in access to insurers.

While one insurer may use a real person to deal with the call initially, various others may use voice prompt systems to filter your enquiry before you can speak to a real person.

Insurer Phone Number Available Times Process
AAMI 13 22 44 8.00am to 6.00pm, Weekdays.
8.00am to 1.00pm Saturday.
A real person answers the phone. You will be connected to another real person who will deal with your enquiry or transaction.
ALLIANZ 13 10 00 7.00am to 11.00pm, Weekdays.
7.00am to 9.00pm Weekends.
Automated menu driven system.
CIC ALLIANZ 1300 360 340 8.00am to 5.00pm, Weekdays. Automated menu driven system.
GIO 13 10 10 8.00am to 8.00pm, Weekdays.
8.00am to 1.00pm Saturday.
Automated menu driven system.
NRMA INSURANCE 132 132 7.00am to 10.00pm, 7 days. Automated menu driven system.
QBE 133 723 8.00am to 8.00pm, Weekdays.
9.00am to 5.00pm Saturday.
Automated menu driven system.
ZURICH 1800 811 099 8.00am to 6.00pm, Weekdays. Automated menu driven system.

Accessibility to Purchase Online

Out of the seven, four insurers offer the feature of acquiring a quote or purchasing a greenslip online. The level of the online experience is satisfactory.

Insurer Process
AAMI An online quote and purchase facility is provided.
ALLIANZ No online quote or purchase facility.
CIC ALLIANZ No online quote or purchase facility.
GIO An online quote and purchase facility is provided.
NRMA INSURANCE An online quote and purchase facility is provided.
QBE An online quote and purchase facility is provided.
ZURICH No online quote or purchase facility.

See : Terms & Conditions

RTA Notification Online

Once a greenslip purchase has been approved, the insurer will advise the RTA electronically. Depending on clearance of funds, the RTA will be notified within 30 to 60 minutes of the successful greenslip purchase.