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(includes Driver Cover Plus Policy)
What is CTP insurance and who does it cover ? ...4 Period of cover......................................................5 Lifetime Care and Support Scheme .......................5 What is the Motor Accidents Authority and what is its role? .............................................................5 CTP premiums .......................................................6 Who sets CTP prices? ..................................................... 6 MAA Premium Relativities and how they affect CTP premiums ...................................................................... 6 What determines the price of CTP? ............................... 6 Can CTP prices be discounted or changed? .................... 7 Components of the total amount payable ............7 Renewing the registration of your vehicle ............8 Product benefits ....................................................9 Driver Cover Plus............................................................ 9 eGreenslips and eRegistration ........................................ 9 Comprehensive Motor Vehicle insurance discount........ 10 What happens when you sell your vehicle? ........10 Cancellation of CTP .............................................11 GST and Input Tax Credit (ITC) entitlements ......11 Who does this affect? .................................................. 11 What is the correct premium for me? .......................... 11 Why does this affect my premium? .............................. 12 What if my ITC entitlement status changes after payment of my CTP premium?.................................................... 12 Where can I get more information? ............................. 12
Injured in a motor vehicle accident or need help making a claim? ..................................................13 Driver Cover Plus Policy ......................................14 Schedule of benefits .................................................... 15 When we pay Driver Cover Plus Policy benefits ............ 16 When we do not pay Driver Cover Plus Policy benefits . 17 What happens when you sell your vehicle? .................. 18 How to claim on your Driver Cover Plus Policy ............. 18 We can reject the claim if: ........................................... 19 Definitions...........................................................20 Complaints resolution .........................................22 Privacy ................................................................22
What is CTP insurance and who does it cover?
Compulsory Third Party (CTP) Personal Injury Insurance, commonly known as Green Slip insurance, is required before you can register a motor vehicle in NSW. CTP provides compensation for people injured in a motor vehicle accident, but cover for injuries to the driver who causes the accident are limited. CTP protects the owner of a motor vehicle and any other person who at any time drives the vehicle (whether or not with the consent of the owner) against claims for liability in respect of the death or injury to a person caused by the fault of the owner or driver. CTP covers the cost of all reasonable medical treatment for a person (other than the driver who causes an accident) injured in a motor vehicle accident. Depending on the injured person’s individual circumstances, cover may also include loss of wages, the cost of care services and compensation for pain and suffering. The CTP scheme also covers children up to the age of 16 years who are injured in a motor vehicle accident, regardless of fault. Injured children have all their necessary treatment, rehabilitation and care expenses met in full. CTP provides limited cover for injuries sustained by the driver who causes the motor accident. Anyone injured in a motor vehicle accident, including the driver, may be entitled to claim up to $5,000 in cover using the Accident Notification Form (ANF). This applies to medical expenses and/or lost earnings incurred within six months of the motor vehicle accident. The ANF must be lodged within 28 days of the date of the accident. If the injuries of the driver at fault are deemed to be catastrophic, the driver may be covered under the Lifetime Care and Support (LTCS) Scheme.
Period of cover
CTP operates for the period of registration of the vehicle and must be paid before you can register or renew your registration with the Roads and Traffic Authority of NSW (RTA). GIO new business Green Slip notices do not show the term of insurance, as cover DOES NOT commence until registration has been completed with the RTA. If CTP and registration are renewed after the due date, you may be personally liable if you cause an injury to another person. If you try to renew your registration after the ‘use by date’ shown on the RTA portion of the Green Slip, a new CTP Policy will be required to either re-establish the registration or renew the registration for 12 months, depending on the current type of registration. If the vehicle has long term registration, the insurance operates for one (1) year of the long term registration.
Lifetime Care and Support Scheme
The Lifetime Care and Support Scheme provides cover for everyone catastrophically injured in a motor vehicle accident, regardless of who caused it. Catastrophic injuries include spinal cord injury, a moderate to severe brain injury, multiple amputations, severe burns or blindness. The Lifetime Care and Support Scheme helps provide medical treatment, rehabilitation and services including daily personal and nursing care, domestic help, respite care, home and transport modifications and is funded by the Medical Care and Injury Services (MCIS) Levies which are included in the cost of a Green Slip.
What is the Motor Accidents Authority and what is its role?
The Motor Accidents Authority of NSW (MAA) is a government body appointed to oversee the NSW CTP Scheme. The MAA is often referred to as the NSW CTP Regulator. The MAA ensures that the CTP scheme operates correctly and fairly. The MAA is also required to find a balance
between affordable CTP premiums, appropriate insurance cover and compensation for people injured in motor vehicle accidents. Other functions of the MAA include, overseeing pricing and setting of Premium Relativities. For more information, see “CTP premiums” below or go to www.maa.nsw.gov.au.
Who sets CTP prices? In NSW, CTP is provided by licensed insurance companies who each set their own prices. The MAA does not set CTP prices however they provide CTP insurers with Premium Relativities (see below MAA Premium Relativities and how they affect CTP premiums) based on the vehicle classification and the zone in which the vehicle is garaged. CTP insurers set prices based on the MAA’s Premium Relativities, and then submit prices to the MAA for approval. MAA Premium Relativities and how they affect CTP premiums Every year the MAA completes analysis of CTP claims costs for each vehicle classification and rating zone. Based on that analysis, the MAA then determines Premium Relativities for vehicle classification and zone relative to a Metropolitan Class 1 Motor Car. Premium Relativities are the same for all CTP insurance companies. Insurers apply the MAA Premium Relativities to their individual rating structures, in order to derive their CTP premiums. What determines the price of CTP? A number of factors are used to determine the price of CTP insurance. They include the location where the vehicle is normally kept/garaged (zones are set by the MAA) and the vehicle classification, which is determined by its shape and usage. Insurers may also apply other factors such as the age of the vehicle, age of driver(s) or owner(s) and any motor vehicle insurance history. If any of these factors change,
then the premium may change as a result. Can CTP prices be discounted or changed? Once CTP prices are approved by the MAA, insurers cannot discount or change their premiums unless there is a change to a customer’s rating factors.
Components of the total amount payable
Premium Net GIO CTP premium after discount or loading. GST Goods and Services Tax (10% of premium). MCIS levies The Medical Care and Injury Services (MCIS) levies fund ambulance, hospital, lifetime care and other services for people injured in motor vehicle accidents. Amount payable Total amount of Premium, GST and MCIS levies.
Renewing the registration of your vehicle
Step 1 Pink Slip – Safety inspection › If your RTA registration renewal certificate indicates that your vehicle requires a safety inspection, you must obtain a road worthiness certificate (Pink Slip) from an authorised safety inspection centre. › Confirmation of the safety inspection is sent to the RTA electronically by the safety inspection centre (eSafety check). Step 2 Green Slip – CTP insurance › All vehicles registered in NSW must obtain a Green Slip from a CTP insurer before they can be registered at the RTA. › Confirmation of CTP is sent to the RTA electronically by GIO after it is paid (eGreenslip). Step 3 Registration – Registered with RTA › Once the vehicle has undergone a safety inspection (if required) and a Green Slip has been purchased, registration can be completed at the RTA. › You should check with the RTA to confirm your eligibility to register your vehicle electronically.
Driver Cover Plus CTP pays compensation for people injured in a motor vehicle accident, but cover for injuries to the driver who causes the accident are limited. GIO CTP Green Slips come with Driver Cover Plus for eligible drivers. Full details are contained in the Driver Cover Plus Policy in this booklet.
Green Slip cover
Catastrophic Severity of injury High Medium Lifetime Care and Support Scheme
Covered by CTP
GIO Driver Cover Plus*
Accident Notification Form
Up to $5,000
Other than at-fault driver
*Please refer to the Driver Cover Plus Policy for details of cover provided.
eGreenslips and eRegistration GIO provides an eGreenslip service which enables you to take out or renew your CTP, then complete your registration electronically with the RTA by telephone or over the internet. For vehicles other than those requiring a new registration, GIO sends an electronic confirmation of your payment and CTP details to the RTA (eGreenslip transmission). Allow up to 1 hour for your eGreenslip to be received by the RTA, if you pay by telephone, online or at a GIO office. Allow up to 2 business days if paying at a Post Office and up to 5 business days if paying by mail. A copy of your paid Green Slip will also be sent to you by mail, however if you are eligible to register your vehicle electronically, you can do so without having to take your CTP Green Slip and registration papers to an RTA Motor Registry. You should check with the RTA to confirm your eligibility to register your vehicle electronically.
Comprehensive Motor Vehicle insurance discount If you have a Maximum No Claim Discount of 60% or more on your comprehensive motor vehicle insurance policy and you have GIO CTP on the same vehicle, you are eligible for a discount off the next annual premium for your GIO comprehensive motor vehicle policy*on that vehicle (subject to GIO’s usual underwriting acceptance criteria). Use of the discount is valid for 12 months from the date of payment of your GIO CTP insurance. The offer applies to existing GIO comprehensive motor vehicle policyholders as well as those who may wish to insure their vehicle comprehensively with GIO on their next renewal. Only one discount is permitted per 12 month term of the GIO comprehensive motor vehicle policy. The discount is not refundable. The discount does not apply to fleet vehicles or commercial motor vehicle insurance policies issued by GIO. *GIO Motor Vehicle Insurance is issued by GIO General Ltd ABN 22 002 861 583. Please read the Motor Vehicle Insurance Product Disclosure Statement (PDS) before making any decision regarding this product. A copy of the PDS is available at www.gio.com.au or any GIO branch or agency.
What happens when you sell your vehicle?
CTP is linked to the vehicle, not the owner, so if you sell your vehicle, the CTP policy will be transferred to the new owner. When the new owner notifies the RTA of the purchase of the vehicle, the RTA automatically notifies the CTP insurer of the change. Similarly, when you purchase a vehicle, the CTP will already be placed with a CTP insurer. Remember to contact GIO with the details of your new vehicle and we can send you a GIO CTP Green Slip when your registration falls due for renewal.
Cancellation of CTP
There are two main reasons for cancelling your CTP: › If your vehicle is de-registered (which may be due to theft, total loss or moving interstate), you may be entitled to a pro-rata refund of your CTP premium. The RTA will issue you with a cancellation letter after the registration is cancelled. Please have the RTA letter or interstate registry receipt and registration certificate with you when you call GIO on 13 10 10 to organise a refund of your CTP premium. › If you have paid for your CTP and have not used the policy to register your vehicle, you may be entitled to a refund. Please call 13 10 10 for information about how to receive a refund for your CTP premium. GIO may charge an administration fee for any cancellation of CTP insurance. Any fee imposed by the RTA to suspend or cancel registration at GIO’s request, may also be charged.
GST and Input Tax Credit (ITC) entitlements
Who does this affect? Everyone who pays CTP insurance. All customers must pay the GST applicable to the CTP premium. What is the correct premium for me? Two kinds of premiums apply to all CTP policies: 1. GST registered business that is entitled to claim an ITC on the insured vehicle, 2. Private operator who is not entitled to claim an ITC. Your Green Slip will indicate the premium you are being offered.
If you are entitled to claim an ITC, your Green Slip should show Y or YES next to the question “Is anyone entitled to claim an Input Tax Credit on this Green Slip?”. The Green Slip will be labelled as a tax invoice for tax purposes. If you are not registered for GST, your Green Slip should show N or NO and cannot be used as a tax invoice. Why does this affect my premium? Premiums are priced differently depending on whether or not there is an entitlement to claim an ITC. For policy holders who are entitled to claim an ITC, insurance companies do not receive a tax credit when claims are settled. They also incur additional administration costs in implementing changes for GST. The MAA has determined there should be no cross-subsidy between the two categories. What if my ITC entitlement status changes after payment of my CTP premium? Notify us immediately if your ITC entitlement changes to ensure your policy is updated correctly. If you were entitled to claim an ITC at the time a CTP premium was paid, and this vehicle was registered, then you may not be entitled to any refund of premium as a result of this change. Where can I get more information? Further information about GST is available from the Australian Taxation Office, or go to: www.ato.gov.au
Injured in a motor vehicle accident or need help making a claim?
If you or someone else is injured in a motor vehicle accident, follow these 3 simple steps – 1. Report the accident to the Police. 2. Get the registration number of the vehicle at fault. 3. See your doctor for an Accident Notification Form. Call the MAA Claims Advisory Service on 1300 656 919, or email firstname.lastname@example.org for assistance and advice on making a claim.
Note: The NSW Lifetime Care and Support Scheme, which is included as part of your CTP Green Slip insurance, provides lifetime medical care and support for everyone (including the driver) catastrophically injured in a motor vehicle accident regardless of fault. Injuries sustained to the driver who causes a motor accident may be covered by GIO’s Driver Cover Plus Policy. Please refer to the Driver Cover Plus Policy in this booklet for more information about the cover we provide for serious injuries to the driver who causes a motor vehicle accident.
Driver Cover Plus Policy
Compulsory Third Party (CTP) Personal Injury insurance pays compensation for people injured or killed in a motor vehicle accident. Under the CTP Scheme, cover for the driver who causes an accident is limited to up to $5,000 for medical expenses and loss of earnings claimed within 6 months of the motor vehicle accident using the Accident Notification Form (ANF). In the event of catastrophic injuries, the driver at fault is covered by the Lifetime Care and Support (LTCS) Scheme. It is important to know what CTP covers and how GIO’s Driver Cover Plus Policy provides extra protection for drivers who cause a motor vehicle accident. GIO’s 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. GIO Driver Cover Plus is provided to the driver of a motor vehicle that has CTP with GIO. GIO Driver Cover Plus is provided in addition to GIO CTP at no extra cost. Claims lodged under the ANF process or LTCS scheme, do not preclude the driver who causes an accident from lodging a claim against their GIO Driver Cover Plus policy.
Schedule of benefits Injury Quadriplegia Paraplegia Total loss of sight in both eyes Total loss of sight in one eye Total loss of power of speech Total loss of hearing Amputation of both hands and both feet Amputation of one hand and one foot Amputation of one hand or one foot 3rd degree burns Death Fractured pelvis
(Greater than 4) (Burns sustained to 10% of body or greater)
$300,000 $150,000 $100,000 $50,000 $100,000 $100,000 $100,000 $100,000 $20,000 $20,000 $10,000 $10,000 $10,000 $10,000 $10,000 $10,000 $10,000 $10,000 $10,000 $10,000 $2,000 $2,000 $2,000 $2,000
Fractured ribs Fractured skull Fractured sternum Fractured vertebrae Laceration of liver Laceration of kidney Laceration of spleen Laceration of lung Fractured lower arm
(Process or body)
(Excluding fractures of hand)
Fractured upper arm
(Excluding fractures of foot)
Fractured lower leg
Fractured upper leg
We pay the injured driver who causes the motor vehicle accident (or the driver’s estate or dependants if the driver is killed) the benefit for the injury as set out in the Schedule of benefits and as follows.
› Excluding paraplegia and quadriplegia, if more than one of the injuries in the Schedule of benefits is suffered, we pay the amount of the combined benefits up to a total of $100,000. › If one of the injuries suffered is paraplegia or quadriplegia we pay only the benefit for paraplegia or quadriplegia. › In the event of death we pay only the benefit for death. When we pay Driver Cover Plus Policy benefits We will pay benefits for injuries suffered by the driver who causes a motor vehicle accident (or to the driver’s estate or dependants if the driver is killed) that occurs in Australia, if ALL of the following apply: › at the time of the accident the vehicle was registered with the Roads and Traffic Authority of NSW and GIO was the CTP insurer; and › at the time of the accident the motor vehicle was roadworthy and not towing a load over the legal limit; and › the driver was solely at fault for the accident and at the time of the accident was: › aged 25 years or older; or › aged between 16 years and under 25 years and the motor vehicle was comprehensively insured with GIO; and › the injury is included in our Schedule of benefits; and › the motor vehicle is a Class 1 Motor Car, Class 3c goods vehicle (with Gross Vehicle Mass of 4.5t or less), or a Class 5 primary producer’s vehicle; and › the accident was the sole or substantial contributing factor to the injury shown in our Schedule of benefits; and › an appropriately qualified medical practitioner confirms that the driver had sustained the injury as a result of the accident; and › the driver (or the driver’s estate or dependants if the driver dies) is not entitled to claim under a workers’ compensation scheme.
When we do not pay Driver Cover Plus Policy benefits We will not pay benefits if: › the injury was intentionally caused or was a result of the accident being intentionally caused; or › the driver was under the influence of intoxicating liquor and the percentage of alcohol in the driver’s blood is in excess of the legal limit prescribed by the law applicable in the place where the motor vehicle accident occurs, or if the driver fails to provide a specimen of breath or blood as required by law in that place; or › the driver was under the influence of drugs (other than a drug taken in accordance with the advice of or administered by a medical practitioner); or › the driver was involved in any illegal activity, racing, pacemaking, car rally, contest, speed/reliability or other trials at the time of the motor vehicle accident; or › the injury was directly or indirectly caused by, or was due to, psychological or psychiatric causes, sickness or disease; or › the injury was caused by revolution, war (whether declared or not), acts of a foreign enemy, military coup, radioactivity or the use, existence or escape of nuclear fuel, nuclear material or waste, or the action of nuclear fission including detonation of any nuclear device or nuclear weapon, biological, bacterial, viral, germ, chemical or poisonous pollutant or contaminant or any looting or rioting following these occurrences; or › the vehicle was being driven while in an unsafe condition, but we will provide cover if it can be shown that it was reasonable not to know of any unsafe conditions; or › the vehicle was towing a trailer or caravan illegally or in an unsafe condition, but we will provide cover if it can be shown that it was reasonable not to know of any unsafe conditions; or
› the vehicle was loaded above the legal limits or in an illegal way; or › the vehicle was being used to carry explosives or flammable or combustible liquids or substances illegally. What happens when you sell your vehicle? If ownership of the motor vehicle changes and our CTP insurance policy remains current, this Driver Cover Plus policy transfers to the new owner or owners when the change is registered with the Roads and Traffic Authority of NSW. The eligibility conditions of Driver Cover Plus also apply to the new owner. As this policy is provided at no extra cost, no premium will be refunded for this policy if our CTP policy is cancelled or transferred. How to claim on your Driver Cover Plus Policy
Notify us in writing of the details of any accident which could lead to a claim, including time, date, place, any witnesses and how the accident happened. We must receive these details from the driver or the driver’s legal representative in writing within 60 days of the accident.
Anyone wanting to claim must: › complete and lodge our claim form with us; › supply all medical and other documents we have asked for at the driver’s expense; and › Allow doctors we nominate to conduct medical examinations we consider necessary, to assess the claim.
We can reject the claim if: › you or the driver are not truthful and frank in any statement you or the driver make in a claim or in relation to a claim; or › we do not receive: › written advice of the details of any accident which could lead to a claim within 60 days of the accident; or › a completed claim form within 6 months of the accident; or › written confirmation of the accident from police or other appropriate authorities after making reasonable enquiries; or › appropriate evidence as required by us. To notify us of the accident details, or for claim enquiries, please contact us at: GIO CTP Personal Injury Claims GPO Box 4091 Sydney NSW 2001 Phone us on 13 10 10 or visit the web site at www.gio.com.au
These terms have the following meaning when used in your policy: ANF Accident notification form child includes the driver’s adopted or step child compensation includes common law damages, payment or benefit of any kind CTP or CTP insurance NSW Compulsory Third Party Personal Injury Insurance dependant a spouse or child aged under 18 who relies on the driver for economic support driver – you or anyone who is: › legally in charge of your motor vehicle, and › licensed to drive your motor vehicle, and › driving your motor vehicle with your consent at the time of the accident Green Slip Compulsory Third Party Personal Injury Insurance Certificate injury the injury set out in the Schedule of benefits LTCS Lifetime care and support loss amputation or removal or permanent loss of use of
motor vehicle a registered vehicle insured with us under a current Compulsory Third Party Personal Injury Insurance policy motor vehicle accident or accident an incident where an injury results from the driving of your motor vehicle or a collision or attempt to avoid a collision with your vehicle paraplegia permanent and total paralysis of both legs caused by an injury to the spine quadriplegia permanent and total paralysis of both arms and both legs caused by an injury to the spine RTA Roads and Traffic Authority of NSW spouse a person legally married to the driver, or a de facto partner who has lived with the driver for at least the full twelve months preceding the date of the accident we, us, our, GIO GIO General Limited ABN 22 002 861 583 you, your our NSW CTP insurance policy holder This insurance is issued by GIO General Limited ABN 22 002 861 583 AFSL No. 229873 Level 18, 36 Wickham Terrace Brisbane QLD 4000
If you have a complaint concerning this product or our services, please tell the people who provided your initial service. Or you can:
Phone us on Fax us on Write to us at 1800 689 762 (FREE CALL) 1300 767 337 Reply Paid 1453 Customer Relations Unit RE058 GPO Box 1453, Brisbane QLD 4001 or email@example.com
Email us on
We will try to settle your complaint within 1 working day. If we can’t, we will tell you within 3 working days that we have received your complaint and try to settle it within 21 days. For more information on our complaints handling process, please contact us. If you are dissatisfied with our decision or the way we handled your complaint, please let us know. For more information about NSW CTP insurance, call 13 10 10 or visit the web site at www.gio.com.au
How to contact us
For more information about NSW Compulsory Third Party (CTP) Personal Injury insurance: › Call us on 13 10 10 › visit our website at www.gio.com.au
NSW CTP insurance and Driver Cover Plus Policy are issued by GIO General Limited ABN 22 002 861 583 AFSL No 229873 Level 18 36 Wickham Terrace Brisbane QLD 4000 10241 15/11/10 B
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