MAI FAQs

Motor Accident Injuries Insurance (MAI Insurance) covers people injured in a motor vehicle accident in the ACT. You may be entitled to receive treatment, care and lost income benefits for up to five years - no matter who is at fault.

In the ACT, MAI Insurance is included in your total registration fee paid to Access Canberra when you register your vehicle.

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If you experience a problem, are not satisfied with our products or services or a decision we have made, please visit our Customer Relations & Complaints page to access more information. 

Yes, as long as your trailer or caravan is in a roadworthy condition, it’s covered by MAI Insurance while being towed by a registered vehicle.

Cancelling your MAI Insurance means cancelling your vehicle’s registration, which you can choose to do at any time. After you have cancelled your registration it will be illegal to drive your vehicle.

You can lodge your request to cancel at your nearest Access Canberra Service Centre.

MAI Insurance is linked to the vehicle, not the owner, which means if you sell your vehicle the MAI Insurance will be transferred to the new owner. If you buy a new vehicle, the MAI Insurance will be transferred to you.

Just make sure that you advise Access Canberra.

As your MAI Insurance is linked to your registration, you should update your address, phone number and other contact information with Access Canberra.

In the ACT, your MAI Insurance is attached to your registration, so all you need to do is select GIO as your preferred insurer when paying for your registration.

Learn more about MAI insurance

As your MAI Insurance is linked to your registration, you should update your address, phone number and other contact information with Access Canberra.

You will need to submit the following documents in full:

• Personal Injuries application form 
• Medical Report

The Medical Report and Fitness for Work Certificate (if applicable) must be completed by your usual general practitioner. To avoid delays please make sure they are fully completed, dated and signed.

Please send these forms to us in writing no later than 13 weeks after the date of the motor vehicle accident if you intend to make a claim.

Your application should also include copies of any payments made for treatment expenses, as you may be entitled to claim reimbursement for these expenses.

After we receive your completed application form, we lodge the application and give it a claim number. Your claim number is a unique number to identify your claim. You can provide this claim number to your treating health practitioner(s) to use in their correspondence with us.

To make an application, you must report your motor vehicle accident to the police. If your accident has not been reported or the police did not attend the accident, please report the accident via the Police Assistance Line (13 14 44) within 28 days after the accident. If it has been longer than 28 days and you haven’t reported your accident, please contact us on 13 10 10.

A key objective of the MAI Insurance scheme is to encourage early and appropriate treatment and care of people injured in motor accidents to achieve optimum recovery and return to pre-accident levels of activity and work. Treatment and care as recommended by your treating health practitioner(s) will be supported on acceptance of your claim for defined benefits, provided that the recommended services, treatment and costs are reasonable and necessary and relate to injuries caused by the motor vehicle accident.

Your treating health practitioner(s) will be required to submit a request, referral or plan to outline your treatment needs. This process is called the pre-approval process.

We review all requests against set criteria to help support your recovery and assist you to return to your pre-accident activities.

We reimburse any reasonable and necessary treatment, care or travel expenses incurred in relation to injuries caused by the motor vehicle accident – even if you have already paid these expenses. Contact your claims advisor to discuss the expenses that can be reimbursed.

Income replacement benefits provide fortnightly payments for injured people who have suffered a total or partial loss of earnings as a result of injuries suffered in a motor vehicle accident. When we receive your application we assess your eligibility for income replacement benefits in accordance with the Motor Accident Injuries Act 2019 (ACT), and the associated Regulations and Guidelines.

You may be eligible to claim funeral expenses if you paid, or are liable to pay, these expenses for your family member.

Funeral expenses may include:

• transport expenses, including the cost of transporting a deceased’s remains interstate or overseas
• the cost of obtaining a death certificate and any permits
• funeral director fees
• expenses of, or associated with, a cremation or burial, and
• expenses of, or associated with, a funeral or memorial ceremony.

If you need help understanding what you are entitled to claim, please contact us on 13 10 10.

You should submit your application as soon as possible, within 13 weeks from the date of the motor vehicle accident or deceased’s date of death (as applicable). If you lodge your application after 13 weeks, you will need to supply a full and satisfactory explanation for the delay in submitting your application. 

We are committed to providing you access to benefits as quickly as possible. Your Claims Advisor will contact you within 3 business days of receiving your application and advise you of the next steps in the claim process.

You may be entitled to Quality of Life benefits. Speak to your Claims Advisor about this process. View the Quality of Life Defined Benefits Application form.