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Green Slip Calculator NSW

Estimate your NSW CTP green slip premium based on vehicle type, driver age, location, and driving record.

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NSW green slips — what they are and why they cost what they do

A green slip is compulsory third party (CTP) insurance. Every registered vehicle in NSW must have one. It covers injuries to other road users if you cause an accident — pedestrians, cyclists, passengers, and other drivers. It does not cover damage to vehicles or property.

The name "green slip" comes from the original colour of the paper certificate. Even though everything is digital now, the name stuck. NSW is unique in Australia because CTP is sold by private insurers (not bundled with registration like in Victoria or Queensland), which means prices vary between providers.

Five insurers are approved to sell NSW green slips: NRMA, QBE, Allianz, GIO, and AAMI. Prices are regulated by the State Insurance Regulatory Authority (SIRA), but each insurer sets its own rates within SIRA's framework. This means you can save money by comparing.

🦘 Fun fact: Before 2017, NSW green slips cost significantly more because the old scheme had unlimited common-law claims. The 2017 reforms capped payouts and introduced defined benefits, reducing premiums by roughly 20% across the board.

Frequently asked questions

What is a green slip in NSW?

A green slip is compulsory third party (CTP) insurance that every registered vehicle in NSW must have. It covers injuries to other people if you're at fault in an accident — pedestrians, cyclists, passengers, and other drivers. It does not cover damage to vehicles or property. Green slips are regulated by the State Insurance Regulatory Authority (SIRA) and must be purchased from one of five approved insurers.

How much does a green slip cost?

NSW green slip prices for a standard car typically range from $400 to $800 per year, depending on your vehicle type, where you live, your age, and your driving record. Sydney metro drivers under 25 pay the most, while rural drivers over 55 with clean records pay the least. Prices vary between providers, so always compare using SIRA's free comparison tool.

Which green slip provider is cheapest?

There's no single cheapest provider — it depends on your individual circumstances. The five approved NSW CTP insurers are NRMA, QBE, Allianz, GIO, and AAMI. SIRA operates a free Green Slip comparison tool at sira.nsw.gov.au that shows real-time prices from all five insurers for your specific vehicle. Always compare before renewing.

Do I need a green slip for a motorcycle?

Yes. Every registered motor vehicle in NSW must have a green slip, including motorcycles, scooters, and mopeds. Motorcycle green slips are generally cheaper than car green slips, typically ranging from $300 to $500 per year depending on your age, location, and driving record. You cannot register or renew a motorcycle without a valid CTP policy.