Your NSW CTP insurer: a quick reference
Once you know which insurer is handling your claim, a lot of the uncertainty about "will this get approved" comes down to the same process, whichever of the six you are dealing with. This page lists the current SIRA-licensed CTP insurers and explains how psychology treatment approval works.
Six insurers currently licensed for NSW CTP · checked July 2026The six licensed NSW CTP insurers
SIRA (the State Insurance Regulatory Authority) licenses the insurers allowed to sell Compulsory Third Party (green slip) insurance in NSW. As at the date above, six insurers are licensed. icare is not one of them: icare administers NSW workers compensation, a separate scheme, not CTP.
AAMI
Have your claim number ready and ask for your claims officer or CTP team.
Allianz
Have your claim number ready and ask for your claims officer or CTP team.
GIO
Have your claim number ready and ask for your claims officer or CTP team.
NRMA
Have your claim number ready and ask for your claims officer or CTP team.
QBE
Have your claim number ready and ask for your claims officer or CTP team.
Youi
Have your claim number ready and ask for your claims officer or CTP team.
Contact numbers as published by SIRA's official list of CTP insurers. Insurers also offer online claim portals; check your welcome letter or claim confirmation for a direct link.
How treatment approval works, whichever insurer you have
The approval process for psychology (and other allied health treatment) in the CTP scheme is set by SIRA's Motor Accident Guidelines, so it applies in the same shape across all six insurers:
- Early on, some early intervention (a GP visit and up to two treatment sessions) can be approved at the insurer's discretion, even before your claim is fully accepted.
- After your first session, your psychologist usually submits an Allied Health Treatment Request (AHTR) explaining the proposed treatment and why it is reasonable and necessary.
- The insurer has 10 working days to give a written response. If they decline or partly decline the request, they must give reasons.
- For approved treatment, the insurer typically pays the psychologist directly, so your out-of-pocket cost is usually nil. See the full cost guide for detail.
We do not have reliable, published data comparing average approval times or "common delays" between individual insurers, and SIRA does not publish that comparison either, so we are not going to guess at one. If your specific request is taking longer than the 10 working day window, the practical step is to contact the insurer directly and ask for an update, then see our guide on what to do if a treatment request is disputed if it has been declined.
Not sure where to start?
Tell us a little about what happened and what you are looking for, and we will help you find a SIRA-experienced psychologist in NSW. Free to use, no obligation, and no cost to you.
Common questions
Do the psychology approval rules differ between insurers?
The core rules come from SIRA's motor accident scheme, not from the individual insurer, so the process is essentially the same across all six: your psychologist submits an Allied Health Treatment Request explaining why treatment is reasonable and necessary, and the insurer has 10 working days to respond in writing. Individual claims officers and portals differ, but the underlying rules do not.
How do I find out which insurer is handling my claim?
The insurer responsible for your claim is normally the CTP (green slip) insurer of the vehicle considered at fault, and you should have been given a claim number when you lodged. If you are unsure, your accident paperwork, the police report, or the other driver's green slip should show who insured that vehicle.
Can I switch insurers if I am not happy with the service?
You cannot choose a different insurer to manage an existing CTP claim, since it is tied to the at-fault vehicle's policy. If you disagree with a decision, the right step is to ask the insurer for an internal review, or use SIRA's independent dispute services. See the guide on disputed treatment requests for the full process.
Sources
SIRA "List of CTP insurers" (sira.nsw.gov.au), updated 13 April 2026; SIRA "Providing allied health services in the NSW CTP schemes: FAQs" (sira.nsw.gov.au), updated 2 December 2025, on the Allied Health Treatment Request and the 10 working day response window; SIRA "Fees paid for motor crash health services" (sira.nsw.gov.au). The list of licensed insurers and contact details can change; confirm current details with SIRA if in doubt.