Am I Covered under CTP for Young Drivers?

revo on 11/10/2015 - 21:50

Hi all,

It's that time of year where I need to renew the CTP Greenslip. And upon inspection it seems I'm not covered (no drivers under 30). Which lead me to think, if I had got into an accident, would I be covered; even if I had to pay a high excess? I'm with Allianz at the moment.

Thanks.

Automotive

Comments

  • Amaris on 11/10/2015 - 23:49
    +1

    CTP is obviously for third parties who may get hurt during a crash. As the cover remains valid even if you sell the car, I don't think a CTP policy can impose such age restrictions. Anyway there is never any excess for CTPs

  • eatwell365 on 12/10/2015 - 04:01

    Thanks Op. Interesting scenario. Read this FAQ from http://www.greenslips.com.au/faqs.html
    1. Four of the seven CTP GreenSlip insurers offer At Fault Driver Cover. Allianz, GIO, NRMA Insurance and Zurich offer At Fault Driver Cover. AAMI, CIC Allianz and QBE do not. Personally think it is important to have at fault driver cover.
    2. Insurer asks questions eg youngest age of driver to determine premium, so it is stated in policy, Would have thought the policy will not be valid if you drive but may not be the case,

  • Geewhizz on 12/10/2015 - 07:15

    It's that time of year where I need to renew the CTP Greenslip. And upon inspection it seems I'm not covered (no drivers under 30). Which lead me to think, if I had got into an accident, would I be covered; even if I had to pay a high excess?

    Technically you'd have been driving without CTP insurance, so technically, no.

  • mskeggs on 12/10/2015 - 07:26

    You posted about third party insurance, where you are covered if somebody injures you, but I think you mean at fault driver cover, an optional cover included in a few greenslips. Note you might have other insurance that covers injuries to the driver e.g. comprehensive.

  • [Deactivated] on 12/10/2015 - 07:43

    Your greenslip covers personal injuries to others if you or the driver of your vehicle is at fault, even if the driver is under 30. It should be clearly explained in your policy booklet.

    If your question is asking if a young driver of your vehicle is covered for their own injuries if they are at fault, then no. The current CTP at-fault driver policy (PDF) applies to drivers aged 25 or older, and even then it only covers permanent loss of use of limbs, eyesight, or death.

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