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ACT CTP Scheme Reform 2020

The new Motor Accident Injuries scheme commences from 1 February 2020, and covers everyone injured in a motor vehicle accident.

What’s changing?

On 1 February 2020, the ACT Government’s reforms to CTP will go live. Under the new scheme, Canberrans will receive fairer, faster and more comprehensive support if they are injured in a motor vehicle accident.

Everyone who is injured in a motor vehicle accident will be entitled to receive treatment, care and lost income benefits for up to five years – regardless of who is at fault. This is different to the current scheme, which only covers people injured by an at-fault driver (ie, third parties).

CTP versus MAI

To reflect the change, the name of the scheme is changing from Compulsory Third Party Insurance (CTP Insurance) to Motor Accident Injuries Insurance (MAI Insurance).

If you are injured in a motor vehicle accident which occurred before 1 February 2020, the old CTP scheme will apply. If the accident happened on or after 1 February 2020, the MAI scheme will apply.

What the changes mean for you

You don’t need to do anything to update your current cover for the new scheme.

Your existing ACT CTP insurance policy attached to your motor vehicle registration will automatically become a MAI Insurance policy from 1 February 2020. You will not need to pay a new premium unless your registration is due to expire on or after 1 Feburary 2020.

Driver Cover Plus, a free additional cover provided by us to support eligible at-fault drivers if they sustained injuries in an accident, will no longer be offered on policies commencing on or after 1 February 2020. From 1 February 2020, at-fault drivers will be covered under MAI Insurance.

Why we’re committed to the change

We believe in making CTP/MAI Insurance more accessible for all Australians, which is why we support this reform. Reforms to the scheme will prioritise the rehabilitation and support of all people injured in a motor vehicle accident within the ACT.

The new scheme delivers:

  • fair coverage for all road users
  • equitable access to treatment and care for people who are injured
  • quick and transparent benefits to get recovery underway as soon as possible, and
  • comprehensive and ongoing support for those who need it most.

Where can I find out more?

You can find out more about the new Motor Accident Injuries scheme on the Motor Accident Injuries Commission website. More information about the benefits application process under the new scheme will be available when the scheme is in operation from 1 February 2020.