{"id":"sl-2019-28","name":"Motor Accident Injuries (Premiums and Administration) Regulation 2019","slug":"motor-accident-injuries-premiums-and-administration-regulation-2019","collection":"regulation","jurisdiction":"act","status":"in_force","isInForce":true,"actNumber":"28 of 2019","makingDate":null,"administeringDepartment":null,"currentVersion":{"id":173560,"registerId":"act-sl-2019-28-current","compilationNumber":null,"startDate":"2026-04-05","status":"InForce","reasons":null,"registeredAt":null},"sections":[{"sectionNumber":"1","sectionType":"section","heading":"Motor Accident Injuries (Premiums and Administration) Regulation 2019","content":"Authorised by the ACT Parliamentary Counsel—also accessible at www.legislation.act.gov.au\nAustralian Capital Territory\nMotor Accident Injuries (Premiums and\nAdministration) Regulation 2019\nSL2019-28\nmade under the\nMotor Accident Injuries Act 2019\nRepublication No 6\nEffective: 16 May 2025\nRepublication date: 16 May 2025\nLast amendment made by SL2025-4\n\nAuthorised by the ACT Parliamentary Counsel—also accessible at www.legislation.act.gov.au\nAbout this republication\nThe republished law\nThis is a republication of the Motor Accident Injuries (Premiums and Administration) Regulation\n2019, made under the Motor Accident Injuries Act 2019 (including any amendment made under\nthe Legislation Act 2001, part 11.3 (Editorial changes)) as in force on 16 May 2025. It also\nincludes any commencement, amendment, repeal or expiry affecting this republished law to\n16 May 2025.\nThe legislation history and amendment history of the republished law are set out in endnotes 3\nand 4.\nKinds of republications\nThe Parliamentary Counsel’s Office prepares 2 kinds of republications of ACT laws (see the ACT\nlegislation register at www.legislation.act.gov.au):\n• authorised republications to which the Legislation Act 2001 applies\n• unauthorised republications.\nThe status of this republication appears on the bottom of each page.\nEditorial changes\nThe Legislation Act 2001, part 11.3 authorises the Parliamentary Counsel to make editorial\namendments and other changes of a formal nature when preparing a law for republication.\nEditorial changes do not change the effect of the law, but have effect as if they had been made by\nan Act commencing on the republication date (see Legislation Act 2001, s 115 and s 117). The\nchanges are made if the Parliamentary Counsel considers they are desirable to bring the law into\nline, or more closely into line, with current legislative drafting practice.\nThis republication does not include amendments made under part 11.3 (see endnote 1).\nUncommenced provisions and amendments\nIf a provision of the republished law has not commenced, the symbol U appears immediately\nbefore the provision heading. Any uncommenced amendments that affect this republished law\nare accessible on the ACT legislation register (www.legislation.act.gov.au). For more\ninformation, see the home page for this law on the register.\nModifications\nIf a provision of the republished law is affected by a current modification, the\nsymbol M appears immediately before the provision heading. The text of the modifying\nprovision appears in the endnotes. For the legal status of modifications, see the Legislation\nAct 2001, section 95.\nPenalties\nAt the republication date, the value of a penalty unit for an offence against this law is $160 for an\nindividual and $810 for a corporation (see Legislation Act 2001, s 133).\n\nR6\n16/05/25\nMotor Accident Injuries (Premiums and Administration)\nRegulation 2019\nEffective: 16/05/25\ncontents 1\nAuthorised by the ACT Parliamentary Counsel—also accessible at www.legislation.act.gov.au\nAustralian Capital Territory\nMotor Accident Injuries (Premiums and\nAdministration) Regulation 2019\nmade under the\nMotor Accident Injuries Act 2019\nContents\nPage\nPart 1 Preliminary\n1 Name of regulation 2\n3 Dictionary 2\n4 Notes 2\n5 Offences against regulation—application of Criminal Code etc 3\nPart 2 Important concepts\n6 Average weekly earnings series—Act, s 17, def average weekly\nearnings 4\n7 Indexation day—Act, s 18, def AWE indexed, par (b) 4\n\nContents\nPage\ncontents 2 Motor Accident Injuries (Premiums and Administration)\nRegulation 2019\nEffective: 16/05/25\nR6\n16/05/25\nAuthorised by the ACT Parliamentary Counsel—also accessible at www.legislation.act.gov.au\n8 AWE indexation factor—income replacement benefits—Act, s 19 (3),\ndef AWE indexation factor 5\n9 AWE indexation factor—amounts indexed annually—Act, s 19 (3), def\nAWE indexation factor 7\n10 Adjustment day—Act, s 94 (1), def AWE adjusted, par (b) 9\n11 AWE adjustment factor—Act, s 95 (3), def AWE adjustment factor 9\nPart 3 Income replacement benefits\n12 Amount of interim weekly payment—prescribed percentage—Act,\ns 103 (3) 11\n13 Notice of changed circumstances—Act, s 106 (3) 11\nPart 3A Quality of life benefits\n13A WPI taken to be 10% in certain circumstances—prescribed\nrequirements—Act, s 133 (1) (b) (i) 12\nPart 3B Medical treatment\n13B Medical treatment—Act, s 221, def medical treatment 13\nPart 3C Motor accident claims\n13C Mandatory final offer accepted—costs—Act, s 266 (2) 14\nPart 3D MAI insurance\n13D Offence—registered operator use, or permit or allow use of, uninsured\nmotor vehicle on road or road related area 15\nPart 4 MAI premiums\n14 Definitions—pt 4 16\n15 Licensed insurers to have annual MAI premium approved for\nMAI premium classes 16\n16 MAI premium if vehicle or plate in multiple classes 17\n17 MAI premiums for policies for less than 1 year 17\n18 Additional MAI premium payable if change in construction or use of\nvehicle 18\n\nContents\nPage\nR6\n16/05/25\nMotor Accident Injuries (Premiums and Administration)\nRegulation 2019\nEffective: 16/05/25\ncontents 3\nAuthorised by the ACT Parliamentary Counsel—also accessible at www.legislation.act.gov.au\nPart 5 Nominal defendant\nDivision 5.1 Nominal defendant’s liabilities\n19 Circumstances in which motor vehicle has sufficient connection with\nACT—Act, s 326 (4) 19\nDivision 5.2 Nominal defendant fund\n20 Collections for nominal defendant fund—prescribed person—\nAct, s 331 (1) (a) 19\n21 Collections for nominal defendant fund—arrangements—\nAct, s 331 (1) (b) 20\n22 Collections for nominal defendant fund—collection notice—\nAct, s 331 (1) (b) 20\n23 Offence—failure to pay contribution—Act, s 331 (1) (b) 21\nPart 6 MAI insurer licences\n24 What must be included in an insurance industry deed—Act, s 360 (2) 22\n25 Application requirements—Act, s 362 (2) 22\n26 Financial penalties—matters that must be considered—Act,\ns 394D (1) (c) 23\nSchedule 1 MAI premium classes 26\nPart 1.1 Definitions 26\n1.1 Definitions—sch 1 26\nPart 1.2 MAI premium classes 30\nDictionary 34\nEndnotes\n1 About the endnotes 38\n2 Abbreviation key 38\n3 Legislation history 39\n\nContents\nPage\ncontents 4 Motor Accident Injuries (Premiums and Administration)\nRegulation 2019\nEffective: 16/05/25\nR6\n16/05/25\nAuthorised by the ACT Parliamentary Counsel—also accessible at www.legislation.act.gov.au\n4 Amendment history 40\n5 Earlier republications 42\n\nR6\n16/05/25\nMotor Accident Injuries (Premiums and Administration)\nRegulation 2019\nEffective: 16/05/25\npage 1\nAuthorised by the ACT Parliamentary Counsel—also accessible at www.legislation.act.gov.au\nAustralian Capital Territory\nMotor Accident Injuries (Premiums and\nAdministration) Regulation 2019\nmade under the\nMotor Accident Injuries Act 2019\n\nPart 1 Preliminary\nSection 1\npage 2 Motor Accident Injuries (Premiums and Administration)\nRegulation 2019\nEffective: 16/05/25\nR6\n16/05/25\nAuthorised by the ACT Parliamentary Counsel—also accessible at www.legislation.act.gov.au\nPart 1 Preliminary\n1 Name of regulation\nThis regulation is the Motor Accident Injuries (Premiums and\nAdministration) Regulation 2019.\n3 Dictionary\nThe dictionary at the end of this regulation is part of this regulation.\nNote 1 The dictionary at the end of this regulation defines certain terms used in\nthis regulation, and includes references (signpost definitions) to other\nterms defined elsewhere.\nFor example, the signpost definition ‘input tax credit—see the A New\nTax System (Goods and Services) Act 1999 (Cwlth), section 195-1\n(Dictionary).’ means that the term ‘input tax credit’ is defined in that\nsection and the definition applies to this regulation.\nNote 2 A definition in the dictionary (including a signpost definition) applies to\nthe entire regulation unless the definition, or another provision of the\nregulation, provides otherwise or the contrary intention otherwise appears\n(see Legislation Act, s 155 and s 156 (1)).\n4 Notes\nA note included in this regulation is explanatory and is not part of this\nregulation.\nNote See the Legislation Act, s 127 (1), (4) and (5) for the legal status of notes.\n\nPreliminary Part 1\nSection 5\nR6\n16/05/25\nMotor Accident Injuries (Premiums and Administration)\nRegulation 2019\nEffective: 16/05/25\npage 3\nAuthorised by the ACT Parliamentary Counsel—also accessible at www.legislation.act.gov.au\n5 Offences against regulation—application of Criminal\nCode etc\nOther legislation applies in relation to offences against this\nregulation.\nNote 1 Criminal Code\nThe Criminal Code, ch 2 applies to all offences against this regulation\n(see Code, pt 2.1).\nThe chapter sets out the general principles of criminal responsibility\n(including burdens of proof and general defences), and defines terms used\nfor offences to which the Code applies (eg conduct, intention,\nrecklessness and strict liability).\nNote 2 Penalty units\nThe Legislation Act, s 133 deals with the meaning of offence penalties\nthat are expressed in penalty units.\n\nPart 2 Important concepts\nSection 6\npage 4 Motor Accident Injuries (Premiums and Administration)\nRegulation 2019\nEffective: 16/05/25\nR6\n16/05/25\nAuthorised by the ACT Parliamentary Counsel—also accessible at www.legislation.act.gov.au\nPart 2 Important concepts\n6 Average weekly earnings series—Act, s 17, def average\nweekly earnings\nThe series known as Persons: fulltime adult total earnings series—\nseasonally adjusted for the ACT in Average Weekly Earnings,\nAustralia (State and Territory Earnings), issued by the Australian\nstatistician, is prescribed.\nNote Average Weekly Earnings, Australia is issued in May and November and\nis available at www.abs.gov.au.\n7 Indexation day—Act, s 18, def AWE indexed, par (b)\n(1) The indexation days for each amount mentioned in the following\nsections of the Act that is to be AWE indexed are 1 April and\n1 October:\n(a) section 96 (Amount of income replacement benefits—first\npayment period);\n(b) section 97 (Amount of income replacement benefits—second\npayment period);\n(c) section 103 (Income replacement benefits—interim weekly\npayments).\n(2) The indexation day for each amount mentioned in the following\nsections of the Act that is to be AWE indexed is 1 October:\n(a) section 139 (5) (a) (Insurer believes injuries stable but no\npermanent impairment);\n(b) section 167 (1) (Amount of quality of life benefits payable);\n(c) section 174 (Amount of death benefits payable);\n(d) section 181 (Funeral benefits—maximum amount payable);\n\nImportant concepts Part 2\nSection 8\nR6\n16/05/25\nMotor Accident Injuries (Premiums and Administration)\nRegulation 2019\nEffective: 16/05/25\npage 5\nAuthorised by the ACT Parliamentary Counsel—also accessible at www.legislation.act.gov.au\n(e) section 243 (Quality of life damages—amount that may be\nawarded);\n(f) section 244 (2) (Quality of life damages—amount that may be\nawarded for children);\n(g) section 276 (1) (Costs—awards of damages over $50 000).\nNote Also, the indexation day for an amount that is to be AWE indexed\nmentioned in the Motor Accident Injuries (ACAT Costs Orders)\nRegulation 2020, s 6 (3) is 1 October (see that regulation, s 5).\n(3) The indexation day for the amount mentioned in section 13C (c) that\nis to be AWE indexed is 1 October.\n8 AWE indexation factor—income replacement benefits—\nAct, s 19 (3), def AWE indexation factor\n(1) This section applies to an amount to be AWE indexed (an AWE\nindexed amount) on an indexation day for the amount under the\nfollowing sections of the Act:\n(a) section 96 (Amount of income replacement benefits—first\npayment period);\n(b) section 97 (Amount of income replacement benefits—second\npayment period);\n(c) section 103 (Income replacement benefits—interim weekly\npayments).\n(2) The AWE indexation factor for an AWE indexed amount on an\nindexation day is the factor worked out using the following formula\nand applying subsections (4) and (5):\nAWE1\nAWE2\nAWE1 means the AWE published for the period ending immediately\nbefore the indexation day.\n\nPart 2 Important concepts\nSection 8\npage 6 Motor Accident Injuries (Premiums and Administration)\nRegulation 2019\nEffective: 16/05/25\nR6\n16/05/25\nAuthorised by the ACT Parliamentary Counsel—also accessible at www.legislation.act.gov.au\nAWE2 means the AWE published for the period ending 6 months\nbefore the indexation day.\n(3) However, if, on an indexation day for an AWE indexed amount, the\neffect of a negative adjustment is to be offset against an increase in\nline with an adjustment in the AWE, the AWE indexation factor for\nthe amount is worked out using the following formula and applying\nsubsections (4) and (5):\nAWE1\nAWE3\nAWE1 means the AWE published for the period ending immediately\nbefore the indexation day.\nAWE3 means the AWE published for the period ending 6 months\nbefore an indexation day when a negative adjustment that has not\nbeen offset first occurred.\nExample—offsetting of negative adjustment\nThe following AWE amounts are published in 2020, 2021 and 2022:\n(a) for May 2020—$1 680;\n(b) for November 2020—$1 700;\n(c) for May 2021—$1 690;\n(c) for November 2021—$1 695;\n(d) for May 2022—$1 750.\nFor the indexation day on 1 October 2021, the AWE indexation factor is\n$1 690/$1 700. Because the AWE indexation factor would be less than 1, the AWE\nindexation factor for 1 October 2021 is 1.\nA negative adjustment applies for the indexation day on 1 April 2022. The\nindexation factor is $1 695/$1 700. Because the AWE indexation factor would be less\nthan 1, the AWE indexation factor for 1 April 2022 is 1.\nA negative adjustment also applies for the indexation day on 1 October 2022. The\nindexation factor is $1 750/$1 700. The negative adjustment is now fully offset and\nthe AWE indexation factor for 1 October 2022 is 1.02941 rounded to 1.029.\nNote The Act, s 18 sets out what happens if an amount to be AWE indexed\nwould, if adjusted in line with a negative adjustment to the AWE, become\nsmaller.\n\nImportant concepts Part 2\nSection 9\nR6\n16/05/25\nMotor Accident Injuries (Premiums and Administration)\nRegulation 2019\nEffective: 16/05/25\npage 7\nAuthorised by the ACT Parliamentary Counsel—also accessible at www.legislation.act.gov.au\n(4) The AWE indexation factor for the AWE indexed amount must be—\n(a) worked out to 3 decimal places; and\n(b) if the 4th decimal place is 5 or more—rounded up.\n(5) If the AWE indexation factor worked out under subsection (2) or (3)\nwould be less than 1, the AWE indexation factor is 1.\n9 AWE indexation factor—amounts indexed annually—Act,\ns 19 (3), def AWE indexation factor\n(1) This section applies to an amount to be AWE indexed (an AWE\nindexed amount) on an indexation day for the amount under the\nfollowing sections of the Act:\n(a) section 139 (5) (a) (Insurer believes injuries stable but no\npermanent impairment);\n(b) section 167 (1) (Amount of quality of life benefits payable);\n(c) section 174 (Amount of death benefits payable);\n(d) section 181 (Funeral benefits—maximum amount payable);\n(e) section 243 (Quality of life damages—amount that may be\nawarded);\n(f) section 244 (2) (Quality of life damages—amount that may be\nawarded for children);\n(g) section 276 (1) (Costs—awards of damages over $50 000).\n(2) This section also applies to an AWE indexed amount mentioned in\nthe following sections:\n(a) section 13C (c);\n(b) Motor Accident Injuries (ACAT Costs Orders) Regulation 2020,\nsection 6 (3).\n\nPart 2 Important concepts\nSection 9\npage 8 Motor Accident Injuries (Premiums and Administration)\nRegulation 2019\nEffective: 16/05/25\nR6\n16/05/25\nAuthorised by the ACT Parliamentary Counsel—also accessible at www.legislation.act.gov.au\n(3) The AWE indexation factor for an AWE indexed amount on an\nindexation day is the factor worked out using the following formula\nand applying subsections (5) and (6):\nAWE1\nAWE2\nAWE1 means the AWE published for the period ending immediately\nbefore the indexation day.\nAWE2 means the AWE published for the period ending 12 months\nbefore the indexation day.\n(4) However, if, on an indexation day for an AWE indexed amount, the\neffect of a negative adjustment is to be offset against an increase in\nline with an adjustment in the AWE, the AWE indexation factor for\nthe amount is worked out using the following formula and applying\nsubsections (5) and (6):\nAWE1\nAWE3\nAWE1 means the AWE published for the period ending immediately\nbefore the indexation day.\nAWE3 means the AWE published for the period ending 12 months\nbefore an indexation day when a negative adjustment that has not\nbeen offset first occurred.\nNote The Act, s 18 sets out what happens if an amount to be AWE indexed\nwould, if adjusted in line with a negative adjustment to the AWE, become\nsmaller.\n(5) The AWE indexation factor for the AWE indexed amount must be—\n(a) worked out to 3 decimal places; and\n(b) if the 4th decimal place is 5 or more—rounded up.\n(6) If the AWE indexation factor worked out under subsection (3) or (4)\nwould be less than 1, the AWE indexation factor is 1.\n\nImportant concepts Part 2\nSection 10\nR6\n16/05/25\nMotor Accident Injuries (Premiums and Administration)\nRegulation 2019\nEffective: 16/05/25\npage 9\nAuthorised by the ACT Parliamentary Counsel—also accessible at www.legislation.act.gov.au\n10 Adjustment day—Act, s 94 (1), def AWE adjusted, par (b)\nThe adjustment days for a person’s pre-injury income are 1 April and\n1 October.\n11 AWE adjustment factor—Act, s 95 (3), def AWE\nadjustment factor\n(1) The AWE adjustment factor for an amount of pre-injury income to be\nadjusted on an adjustment day is the factor worked out using the\nfollowing formula and applying subsections (3) and (4):\nAWE1\nAWE2\nAWE1 means the AWE published for the period ending immediately\nbefore the adjustment day.\nAWE2 means the AWE published for the period ending 6 months\nbefore the adjustment day.\n(2) However, if, on an adjustment day for an amount of pre-injury income\nto be adjusted, the effect of a negative adjustment is to be offset\nagainst an increase in line with an adjustment in the AWE, the AWE\nadjustment factor is the factor worked out using the following\nformula and applying subsections (3) and (4):\nAWE1\nAWE3\nAWE1 means the AWE published for the period ending immediately\nbefore the adjustment day.\nAWE3 means the AWE published for the period ending 6 months\nbefore an adjustment day when a negative adjustment that has not\nbeen offset first occurred.\nNote The Act, s 94 sets out what happens if an amount to be AWE adjusted\nwould, if adjusted in line with a negative adjustment to the AWE, become\nsmaller.\n\nPart 2 Important concepts\nSection 11\npage 10 Motor Accident Injuries (Premiums and Administration)\nRegulation 2019\nEffective: 16/05/25\nR6\n16/05/25\nAuthorised by the ACT Parliamentary Counsel—also accessible at www.legislation.act.gov.au\n(3) The AWE adjustment factor for the amount must be—\n(a) worked out to 3 decimal places; and\n(b) if the 4th decimal place is 5 or more—rounded up.\n(4) If the AWE adjustment factor worked out under subsection (1) or (2)\nwould be less than 1, the AWE adjustment factor is 1.\n\nIncome replacement benefits Part 3\nSection 12\nR6\n16/05/25\nMotor Accident Injuries (Premiums and Administration)\nRegulation 2019\nEffective: 16/05/25\npage 11\nAuthorised by the ACT Parliamentary Counsel—also accessible at www.legislation.act.gov.au\nPart 3 Income replacement benefits\n12 Amount of interim weekly payment—prescribed\npercentage—Act, s 103 (3)\nThe amount of the interim weekly payment is 22.5% of $2 250 AWE\nindexed, rounded up to the nearest cent.\n13 Notice of changed circumstances—Act, s 106 (3)\n(1) Notice may be given orally or in writing.\nNote For how documents may be given, see the Legislation Act, pt 19.5.\n(2) If an injured person gives notice orally, the injured person must\nconfirm the notice, in writing, within 10 business days after giving\nthe oral notice.\n\nPart 3A Quality of life benefits\nSection 13A\npage 12 Motor Accident Injuries (Premiums and Administration)\nRegulation 2019\nEffective: 16/05/25\nR6\n16/05/25\nAuthorised by the ACT Parliamentary Counsel—also accessible at www.legislation.act.gov.au\nPart 3A Quality of life benefits\n13A WPI taken to be 10% in certain circumstances—\nprescribed requirements—Act, s 133 (1) (b) (i)\nThe injured person must—\n(a) have a current recovery plan under which the injured person\nrequires ongoing treatment and care; and\n(b) be undergoing treatment and care that has been approved by the\nrelevant insurer in accordance with the Act.\nExample—treatment and care that is ongoing\nregular occupational therapy and speech pathology sessions\nNote Under the Act, s 124, an injured person’s recovery plan must state the\ntreatment and care approved by the relevant insurer as reasonable and\nnecessary treatment and care for the person.\n\nMedical treatment Part 3B\nSection 13B\nR6\n16/05/25\nMotor Accident Injuries (Premiums and Administration)\nRegulation 2019\nEffective: 16/05/25\npage 13\nAuthorised by the ACT Parliamentary Counsel—also accessible at www.legislation.act.gov.au\nPart 3B Medical treatment\n13B Medical treatment—Act, s 221, def medical treatment\n(1) Treatment provided by a health practitioner is prescribed, other than\nthe following treatment:\n(a) dental treatment not provided by a dentist registered as a dental\nspecialist with the Dental Board of Australia;\n(b) optometry other than post-operative treatment following surgery\nby a registered medical practitioner;\n(c) paramedicine.\nNote Health practitioner—see the Legislation Act, dictionary.\nMedical practitioner—see the Legislation Act, dictionary.\n(2) In this section:\nDental Board of Australia means the National Health Practitioner\nBoard continued for the dental health profession under the Health\nPractitioner Regulation National Law Regulation 2018, section 4.\n\nPart 3C Motor accident claims\nSection 13C\npage 14 Motor Accident Injuries (Premiums and Administration)\nRegulation 2019\nEffective: 16/05/25\nR6\n16/05/25\nAuthorised by the ACT Parliamentary Counsel—also accessible at www.legislation.act.gov.au\nPart 3C Motor accident claims\n13C Mandatory final offer accepted—costs—Act, s 266 (2)\nIf a mandatory final offer for at least $30 000 but not more than\n$50 000 is accepted, costs (including disbursements) must—\n(a) be worked out on a party and party basis; and\n(b) be paid by the insurer; and\n(c) not exceed $5 000 AWE indexed.\n\nMAI insurance Part 3D\nSection 13D\nR6\n16/05/25\nMotor Accident Injuries (Premiums and Administration)\nRegulation 2019\nEffective: 16/05/25\npage 15\nAuthorised by the ACT Parliamentary Counsel—also accessible at www.legislation.act.gov.au\nPart 3D MAI insurance\n13D Offence—registered operator use, or permit or allow\nuse of, uninsured motor vehicle on road or road related\narea\n(1) A person commits an offence if—\n(a) the person—\n(i) is the registered operator of a motor vehicle; and\n(ii) uses, or permits or allows another person to use, the vehicle\non a road or road related area; and\n(b) the vehicle is not an insured motor vehicle.\nMaximum penalty: 20 penalty units.\n(2) This section does not apply to a registered operator of a motor vehicle\nif—\n(a) there is an unregistered vehicle permit in force for the vehicle;\nor\n(b) the registration provisions do not apply to the vehicle because of\nthe Road Transport (Vehicle Registration) Regulation 2000,\npart 2.2 (Vehicles not subject to registration provisions); or\n(c) the motor vehicle is owned by—\n(i) the Territory or a territory authority; or\n(ii) the Commonwealth or a Commonwealth authority.\n(3) An offence against this section is a strict liability offence.\n\nPart 4 MAI premiums\nSection 14\npage 16 Motor Accident Injuries (Premiums and Administration)\nRegulation 2019\nEffective: 16/05/25\nR6\n16/05/25\nAuthorised by the ACT Parliamentary Counsel—also accessible at www.legislation.act.gov.au\nPart 4 MAI premiums\n14 Definitions—pt 4\nIn this part:\nannual MAI premium, for an MAI policy, means the premium\npayable for insurance under the MAI policy for 1 year.\nMAI premium class means a class mentioned in an item in\nschedule 1, part 1.2, consisting of—\n(a) a class number mentioned in column 2 for the item; and\n(b) a kind of motor vehicle or trader’s plate mentioned in column 3\nfor the item; and\n(c) a case (if any) mentioned in column 4 for the item; and\n(d) an entitlement to an input tax credit mentioned in column 5 for\nthe item.\n15 Licensed insurers to have annual MAI premium approved\nfor MAI premium classes\nA licensed insurer must have an annual MAI premium approved by\nthe MAI commission under the Act, part 6.7 (MAI premiums), for\neach MAI premium class.\n\nMAI premiums Part 4\nSection 16\nR6\n16/05/25\nMotor Accident Injuries (Premiums and Administration)\nRegulation 2019\nEffective: 16/05/25\npage 17\nAuthorised by the ACT Parliamentary Counsel—also accessible at www.legislation.act.gov.au\n16 MAI premium if vehicle or plate in multiple classes\n(1) This section applies if a motor vehicle or trader’s plate fits into 2 or\nmore MAI premium classes.\n(2) The maximum MAI premium payable for an MAI policy for the\nvehicle or plate is the higher of the maximum premiums that apply to\nthe vehicle or plate.\nExample\nPhillipe uses his ute for car sharing. This means the ute fits into both MAI premium\nclass 3 (goods vehicle) and class 25B (personal share vehicle). If the MAI premium\nis higher for class 25B than class 3, Phillipe must pay the class 25B premium.\n17 MAI premiums for policies for less than 1 year\n(1) This section applies if a person—\n(a) registers a motor vehicle for less than 1 year; or\n(b) renews the registration of a motor vehicle for less than 1 year;\nor\n(c) is issued with a trader’s plate for less than 1 year; or\n(d) enters into an MAI policy for a light rail vehicle for less than\n1 year.\nNote An MAI premium for an MAI policy must be paid when—\n(a) registering a vehicle (see Act, s 298); and\n(b) renewing the registration of a vehicle (see Act, s 299); and\n(c) applying for a trader’s plate (see Act, s 300); and\n(d) intending to use a light rail vehicle (see Act, s 301).\n(2) The maximum MAI premium payable for an MAI policy for the\nvehicle or plate must be worked out in accordance with the MAI\nguidelines.\n\nPart 4 MAI premiums\nSection 18\npage 18 Motor Accident Injuries (Premiums and Administration)\nRegulation 2019\nEffective: 16/05/25\nR6\n16/05/25\nAuthorised by the ACT Parliamentary Counsel—also accessible at www.legislation.act.gov.au\n18 Additional MAI premium payable if change in\nconstruction or use of vehicle\n(1) This section applies if—\n(a) an MAI premium (the original premium) has been paid for an\nMAI policy for a motor vehicle; and\n(b) a change is made in the construction or use of the motor vehicle;\nand\n(c) because of the change, a higher MAI premium than the original\npremium would be payable if a new MAI policy were issued for\nthe motor vehicle.\n(2) The owner of the motor vehicle is liable to pay an additional\nMAI premium, starting on the day the change happens, worked out in\naccordance with the MAI guidelines.\n\nNominal defendant Part 5\nNominal defendant’s liabilities Division 5.1\nSection 19\nR6\n16/05/25\nMotor Accident Injuries (Premiums and Administration)\nRegulation 2019\nEffective: 16/05/25\npage 19\nAuthorised by the ACT Parliamentary Counsel—also accessible at www.legislation.act.gov.au\nPart 5 Nominal defendant\nDivision 5.1 Nominal defendant’s liabilities\n19 Circumstances in which motor vehicle has sufficient\nconnection with ACT—Act, s 326 (4)\nA motor vehicle has sufficient connection with the ACT if the motor\nvehicle—\n(a) is usually used and garaged in the ACT; or\n(b) is usually used for a business that has its principal place of\nbusiness in the ACT; or\n(c) is in the ACT at the time of the motor accident and there is no\nplace outside the ACT where a claim in relation to personal\ninjury could be made against a nominal defendant in relation to\nthe motor accident.\nDivision 5.2 Nominal defendant fund\n20 Collections for nominal defendant fund—prescribed\nperson—Act, s 331 (1) (a)\nThe following people (each of whom is a prescribed person) are\nprescribed:\n(a) each licensed insurer;\n(b) the Territory;\n(c) the Commonwealth.\n\nPart 5 Nominal defendant\nDivision 5.2 Nominal defendant fund\nSection 21\npage 20 Motor Accident Injuries (Premiums and Administration)\nRegulation 2019\nEffective: 16/05/25\nR6\n16/05/25\nAuthorised by the ACT Parliamentary Counsel—also accessible at www.legislation.act.gov.au\n21 Collections for nominal defendant fund—arrangements—\nAct, s 331 (1) (b)\n(1) This section applies if the MAI commission decides an amount to be\ncollected for a financial year under the Act, section 331 (2).\n(2) The MAI commission must decide what proportion of the amount is\nto be paid by each prescribed person each quarter.\n(3) In deciding a prescribed person’s proportion for a quarter, the MAI\ncommission must have regard to—\n(a) for a licensed insurer—the income received by the insurer for\nMAI policy premiums in the previous quarter; and\n(b) for the Territory—the premiums that would have been payable\nfor territory government vehicles in the previous quarter if the\nvehicles had been insured under MAI policies; and\n(c) for the Commonwealth—the premiums that would have been\npayable for commonwealth government vehicles in the previous\nquarter if the vehicles had been insured under MAI policies.\n(4) In this section:\ncommonwealth government vehicle means a motor vehicle usually\nused in the ACT and owned by the Commonwealth or a\nCommonwealth authority.\nterritory government vehicle means a motor vehicle usually used in\nthe ACT and owned by the Territory or a territory authority.\n22 Collections for nominal defendant fund—collection\nnotice—Act, s 331 (1) (b)\n(1) The MAI commission must give written notice (a collection notice)\nof a decision under the Act, section 331 (2) to each prescribed person.\n(2) The collection notice must state—\n(a) the amount payable by the prescribed person; and\n\nNominal defendant Part 5\nNominal defendant fund Division 5.2\nSection 23\nR6\n16/05/25\nMotor Accident Injuries (Premiums and Administration)\nRegulation 2019\nEffective: 16/05/25\npage 21\nAuthorised by the ACT Parliamentary Counsel—also accessible at www.legislation.act.gov.au\n(b) that the amount must be paid to the nominal defendant fund not\nlater than a stated date (the due date).\n(3) The MAI commission may amend or revoke a prescribed person’s\ncollection notice by giving written notice to the prescribed person\nbefore the due date.\n(4) The due date for a prescribed person’s collection notice, or an\namended collection notice, must be at least 42 days after the day the\ncollection notice is given to the prescribed person.\n23 Offence—failure to pay contribution—Act, s 331 (1) (b)\n(1) A licensed insurer commits an offence if—\n(a) a collection notice is in force for the licensed insurer; and\n(b) the licensed insurer does not pay the amount stated in the notice\nto the nominal defendant fund on or before the due date stated\nin the collection notice.\nMaximum penalty: 20 penalty units.\n(2) An offence against this section is a strict liability offence.\n(3) If the Magistrates Court convicts a licensed insurer, or finds a licensed\ninsurer guilty, of an offence against this section, the court may order\nthe insurer to pay any unpaid amount to the nominal defendant fund.\n(4) An order under subsection (3) is in addition to a penalty imposed for\nthe offence.\n(5) For the enforcement of payment of the order and the calculation of\ninterest in relation to a judgment, the order is taken to be a final\njudgment of the Magistrates Court for the amount stated in the order.\n\nPart 6 MAI insurer licences\nSection 24\npage 22 Motor Accident Injuries (Premiums and Administration)\nRegulation 2019\nEffective: 16/05/25\nR6\n16/05/25\nAuthorised by the ACT Parliamentary Counsel—also accessible at www.legislation.act.gov.au\nPart 6 MAI insurer licences\n24 What must be included in an insurance industry deed—\nAct, s 360 (2)\n(1) The MAI commission must approve the required content for the\ninsurance industry deed.\n(2) An approval is a disallowable instrument.\nNote A disallowable instrument must be notified, and presented to the\nLegislative Assembly, under the Legislation Act.\n(3) The insurance industry deed must be substantially in accordance with\nthe content approved under this section.\n25 Application requirements—Act, s 362 (2)\nAn application for an MAI insurer licence must—\n(a) include the following information:\n(i) the applicant’s trading name;\n(ii) the address of the applicant’s registered office;\n(iii) the applicant’s ABN;\n(iv) details of reinsurance arrangements proposed to be made\nfor reinsurance for MAI policies to be issued by the\napplicant; and\n(b) be accompanied by the following:\n(i) a copy of the applicant’s authority to carry on an insurance\nbusiness under the Insurance Act 1973 (Cwlth);\n(ii) if the applicant is licensed to carry on business as a\nCTP insurer in another Australian jurisdiction—a copy of\nthe licence from the other jurisdiction;\n\nMAI insurer licences Part 6\nSection 26\nR6\n16/05/25\nMotor Accident Injuries (Premiums and Administration)\nRegulation 2019\nEffective: 16/05/25\npage 23\nAuthorised by the ACT Parliamentary Counsel—also accessible at www.legislation.act.gov.au\n(iii) if the applicant is not licensed to carry on business as a\nCTP insurer in another Australian jurisdiction—\n(A) a copy of all documents given to APRA in applying\nfor authority to carry on an insurance business under\nthe Insurance Act 1973 (Cwlth); and\n(B) a copy of the applicant’s latest annual financial\naccounts and annual statement lodged with ASIC; and\n(C) a copy of all reports and returns lodged with APRA\nunder reporting and prudential standards applying to\nthe applicant’s general insurance business in relation\nto the 12 months before the date of the application.\n26 Financial penalties—matters that must be considered—\nAct, s 394D (1) (c)\n(1) The MAI commission must consider the following matters before\ndeciding to impose a financial penalty on a licensed insurer in relation\nto conduct of the insurer that constitutes a ground for financial\npenalty:\n(a) any adverse effect, or likely adverse effect, of the conduct on the\ninsurer’s payment of any amount to which a person is entitled,\nincluding the payment of defined benefits or an award of\ndamages to a person in a proceeding related to a motor accident\nclaim;\n(b) any adverse effect, or likely adverse effect, of the conduct on a\nperson’s recovery from a personal injury sustained as a result of\na motor accident;\n(c) whether the insurer reported the conduct to the MAI\ncommission;\n(d) any action taken by the insurer to—\n(i) investigate the nature and extent of the conduct; and\n\nPart 6 MAI insurer licences\nSection 26\npage 24 Motor Accident Injuries (Premiums and Administration)\nRegulation 2019\nEffective: 16/05/25\nR6\n16/05/25\nAuthorised by the ACT Parliamentary Counsel—also accessible at www.legislation.act.gov.au\n(ii) remediate the conduct; and\n(iii) remove or mitigate the risk of similar conduct happening;\n(e) whether the conduct was caused, or likely to have been caused,\nby a failure of the insurer’s systems or procedures;\n(f) whether the insurer has contravened—\n(i) a direction given to the insurer under the Act, section 394G\n(Directions to licensed insurers—general) in relation to the\nconduct or any similar conduct; or\n(ii) a direction given to the insurer under the Act, section 394I\n(Directions to licensed insurers—remediation plans) in\nrelation to the conduct or any similar conduct; or\n(iii) a remediation plan approved under the Act,\nsection 394I (5) (a) in relation to the conduct or any similar\nconduct;\n(g) any effect, or likely effect, of the conduct on the insurer,\nincluding—\n(i) any adverse effect, or likely adverse effect, on public\nconfidence in the insurer; and\n(ii) any effect, or likely effect, on the operation of the insurer’s\nbusiness as an MAI insurer; and\n(iii) any financial implications, or likely financial implications,\nfor the insurer;\n(h) any adverse effect, or likely adverse effect, of the conduct on\ncompetition between MAI insurers;\n(i) any adverse effect, or likely adverse effect, of the conduct on the\noperation of the Act;\n(j) any adverse effect, or likely adverse effect, of the conduct on\npublic confidence in the operation of the Act;\n\nMAI insurer licences Part 6\nSection 26\nR6\n16/05/25\nMotor Accident Injuries (Premiums and Administration)\nRegulation 2019\nEffective: 16/05/25\npage 25\nAuthorised by the ACT Parliamentary Counsel—also accessible at www.legislation.act.gov.au\n(k) any similar conduct, including—\n(i) whether the insurer reported the similar conduct to the MAI\ncommission; and\n(ii) any action taken by the insurer to—\n(A) investigate the nature and extent of the similar\nconduct; and\n(B) remediate the similar conduct; and\n(C) remove or mitigate the risk of further similar conduct\nhappening;\n(l) any other matter the MAI commission considers relevant.\n(2) In this section:\nsimilar conduct means any conduct of the licensed insurer that is the\nsame as or similar to the conduct constituting the ground for financial\npenalty.\n\nSchedule 1 MAI premium classes\nPart 1.1 Definitions\nSection 1.1\npage 26 Motor Accident Injuries (Premiums and Administration)\nRegulation 2019\nEffective: 16/05/25\nR6\n16/05/25\nAuthorised by the ACT Parliamentary Counsel—also accessible at www.legislation.act.gov.au\nSchedule 1 MAI premium classes\n(see s 14)\nPart 1.1 Definitions\n1.1 Definitions—sch 1\nIn this schedule:\nambulance means a motor vehicle built to transport sick or injured\npeople.\nbreakdown vehicle means a tow truck within the meaning of the Road\nTransport (Vehicle Registration) Regulation 2000.\nbus means a motor vehicle used to carry paying passengers but does\nnot include the following:\n(a) a demand responsive service vehicle;\n(b) a taxi;\n(c) a private hire car;\n(d) a restricted hire car;\n(e) a rideshare vehicle;\n(f) a light rail vehicle.\ncar rental service means a business operating a fleet of 5 or more\nmotor vehicles, under common ownership or management, for hire.\ndemand responsive service vehicle—see the Road Transport (Public\nPassenger Services) Act 2001, section 81.\n\nMAI premium classes Schedule 1\nDefinitions Part 1.1\nSection 1.1\nR6\n16/05/25\nMotor Accident Injuries (Premiums and Administration)\nRegulation 2019\nEffective: 16/05/25\npage 27\nAuthorised by the ACT Parliamentary Counsel—also accessible at www.legislation.act.gov.au\ndrive-yourself vehicle—\n(a) means a motor vehicle let for hire, without the services of a\ndriver, by a car rental service; but\n(b) does not include a motor vehicle let for hire under a lease or\nhire-purchase agreement.\nfirefighting vehicle means a motor vehicle used mainly for\nfirefighting.\ngoods vehicle means a motor vehicle built mainly to transport goods.\nGVM, of a vehicle––see the Road Transport (Vehicle Registration)\nAct 1999, dictionary.\nhire car—see the Road Transport (Public Passenger Services)\nAct 2001, section 67.\nhistoric vehicle—see the Duties Act 1999, section 217 (3).\nimplement—see the Road Transport (Vehicle Registration)\nRegulation 2000, dictionary.\ninput tax credit entitlement means an entitlement to an input tax\ncredit for the MAI premium for an MAI policy.\nmiscellaneous vehicle means a tractor or implement but does not\ninclude a primary producer’s tractor.\nmobile crane means a motor vehicle built mainly as a crane but does\nnot include—\n(a) a breakdown vehicle; or\n(b) a tractor.\nmodified historic vehicle means a motor vehicle that—\n(a) was built at least 30 years ago; and\n(b) has been modified; and\n\nSchedule 1 MAI premium classes\nPart 1.1 Definitions\nSection 1.1\npage 28 Motor Accident Injuries (Premiums and Administration)\nRegulation 2019\nEffective: 16/05/25\nR6\n16/05/25\nAuthorised by the ACT Parliamentary Counsel—also accessible at www.legislation.act.gov.au\n(c) if the vehicle had not been modified—would be classified as a\nveteran vehicle, vintage vehicle or historic vehicle.\nExamples—modified historic vehicle\nstreet rod or street machine vehicle\nExamples—modified\n1 vehicle’s suspension and wheel guards altered to accommodate tyres wider\nthan original\n2 vehicle’s engine adjusted to increase power output (turbocharging)\nmotorbike—see the Road Transport (Vehicle Registration)\nRegulation 2000, dictionary.\nmotorcycle means a motorbike or motortrike.\nmotortrike—see the Road Transport (Vehicle Registration)\nRegulation 2000, dictionary.\npassenger vehicle means a motor vehicle built mainly to carry people\nbut does not include the following:\n(a) an ambulance;\n(b) a bus;\n(c) a demand responsive service vehicle;\n(d) a drive-yourself vehicle;\n(e) a motorcycle;\n(f) a police vehicle;\n(g) a private hire car;\n(h) a rideshare vehicle;\n(i) a personal share vehicle;\n(j) a taxi;\n(k) a light rail vehicle.\n\nMAI premium classes Schedule 1\nDefinitions Part 1.1\nSection 1.1\nR6\n16/05/25\nMotor Accident Injuries (Premiums and Administration)\nRegulation 2019\nEffective: 16/05/25\npage 29\nAuthorised by the ACT Parliamentary Counsel—also accessible at www.legislation.act.gov.au\npersonal share vehicle—\n(a) means a passenger vehicle, a goods vehicle with a GVM not\nover 4.5t or a motorcycle let for hire without the services of a\ndriver; but\n(b) does not include a vehicle let for hire by a car rental service.\npolice vehicle—see the Road Transport (Vehicle Registration)\nRegulation 2000, dictionary.\nprimary producer’s tractor means a tractor used by a primary\nproducer for the producer’s operations as a primary producer.\nprivate hire car means a hire car that is not a restricted hire car.\nrestricted hire car—see the Road Transport (Public Passenger\nServices) Act 2001, section 68.\nrideshare vehicle—see the Road Transport (Public Passenger\nServices) Act 2001, section 60A.\ntractor—see the Road Transport (Vehicle Registration)\nRegulation 2000, dictionary.\nundertaker’s vehicle means a motor vehicle used only as an\nundertaker’s hearse.\nveteran vehicle—see the Duties Act 1999, section 217 (3).\nvintage vehicle—see the Duties Act 1999, section 217 (3).\n\nSchedule 1 MAI premium classes\nPart 1.2 MAI premium classes\npage 30 Motor Accident Injuries (Premiums and Administration)\nRegulation 2019\nEffective: 16/05/25\nR6\n16/05/25\nAuthorised by the ACT Parliamentary Counsel—also accessible at www.legislation.act.gov.au\nPart 1.2 MAI premium classes\ncolumn 1\nitem\ncolumn 2\nclass\nnumber\ncolumn 3\nkind of motor vehicle or\ntrader’s plate\ncolumn 4\ncase (if any)\ncolumn 5\ninput tax\ncredit\nentitlement\n1 1 passenger vehicle not entitled\n2 1 passenger vehicle entitled\n3 3 goods vehicle GVM not over 4.5t not entitled\n4 3 goods vehicle GVM not over 4.5t entitled\n5 4 goods vehicle GVM over 4.5t not entitled\n6 4 goods vehicle GVM over 4.5t entitled\n7 5A bus or demand\nresponsive service\nvehicle\nvehicle has seating\nfor more than 16\nadults (including\ndriver)\nnot entitled\n8 5A bus or demand\nresponsive service\nvehicle\nvehicle has seating\nfor more than 16\nadults (including\ndriver)\nentitled\n9 5B bus or demand\nresponsive service\nvehicle\nvehicle has seating\nfor not more than 16\nadults (including\ndriver)\nnot entitled\n10 5B bus or demand\nresponsive service\nvehicle\nvehicle has seating\nfor not more than 16\nadults (including\ndriver)\nentitled\n11 6 taxi not entitled\n12 6 taxi entitled\n13 7 private hire car not entitled\n14 7 private hire car entitled\n\nMAI premium classes Schedule 1\nMAI premium classes Part 1.2\nR6\n16/05/25\nMotor Accident Injuries (Premiums and Administration)\nRegulation 2019\nEffective: 16/05/25\npage 31\nAuthorised by the ACT Parliamentary Counsel—also accessible at www.legislation.act.gov.au\ncolumn 1\nitem\ncolumn 2\nclass\nnumber\ncolumn 3\nkind of motor vehicle or\ntrader’s plate\ncolumn 4\ncase (if any)\ncolumn 5\ninput tax\ncredit\nentitlement\n15 8 drive-yourself vehicle not entitled\n16 8 drive-yourself vehicle entitled\n17 9A motorcycle engine capacity\nover 600cc\nnot entitled\n18 9A motorcycle engine capacity\nover 600cc\nentitled\n19 9B motorcycle engine capacity\nover 300cc but not\nover 600cc\nnot entitled\n20 9B motorcycle engine capacity\nover 300cc but not\nover 600cc\nentitled\n21 9C motorcycle engine capacity not\nover 300cc\nnot entitled\n22 9C motorcycle engine capacity not\nover 300cc\nentitled\n23 9D motorcycle electrically powered\nmotor\nnot entitled\n24 9D motorcycle electrically powered\nmotor\nentitled\n25 10 firefighting vehicle not entitled\n26 10 firefighting vehicle entitled\n27 11 undertaker’s vehicle not entitled\n28 11 undertaker’s vehicle entitled\n29 12 breakdown vehicle not entitled\n30 12 breakdown vehicle entitled\n31 14 miscellaneous vehicle not entitled\n32 14 miscellaneous vehicle entitled\n\nSchedule 1 MAI premium classes\nPart 1.2 MAI premium classes\npage 32 Motor Accident Injuries (Premiums and Administration)\nRegulation 2019\nEffective: 16/05/25\nR6\n16/05/25\nAuthorised by the ACT Parliamentary Counsel—also accessible at www.legislation.act.gov.au\ncolumn 1\nitem\ncolumn 2\nclass\nnumber\ncolumn 3\nkind of motor vehicle or\ntrader’s plate\ncolumn 4\ncase (if any)\ncolumn 5\ninput tax\ncredit\nentitlement\n33 15 primary producer’s\ntractor\nnot entitled\n34 15 primary producer’s\ntractor\nentitled\n35 16 mobile crane not entitled\n36 16 mobile crane entitled\n37 17 trader’s plate to be attached to a\nmotorcycle\nnot entitled\n38 17 trader’s plate to be attached to a\nmotorcycle\nentitled\n39 18 trader’s plate to be attached to a\nmotor vehicle other\nthan a motorcycle\nnot entitled\n40 18 trader’s plate to be attached to a\nmotor vehicle other\nthan a motorcycle\nentitled\n41 18D trader’s plate to be attached to a\nregistrable vehicle\nother than a motor\nvehicle\nnot entitled\n42 18D trader’s plate to be attached to a\nregistrable vehicle\nother than a motor\nvehicle\nentitled\n43 19 veteran vehicle not entitled\n44 19 veteran vehicle entitled\n45 20 vintage vehicle not entitled\n46 20 vintage vehicle entitled\n47 21 historic vehicle not entitled\n\nMAI premium classes Schedule 1\nMAI premium classes Part 1.2\nR6\n16/05/25\nMotor Accident Injuries (Premiums and Administration)\nRegulation 2019\nEffective: 16/05/25\npage 33\nAuthorised by the ACT Parliamentary Counsel—also accessible at www.legislation.act.gov.au\ncolumn 1\nitem\ncolumn 2\nclass\nnumber\ncolumn 3\nkind of motor vehicle or\ntrader’s plate\ncolumn 4\ncase (if any)\ncolumn 5\ninput tax\ncredit\nentitlement\n48 21 historic vehicle entitled\n49 22 ambulance not entitled\n50 22 ambulance entitled\n51 23 police vehicle not entitled\n52 23 police vehicle entitled\n53 24 modified historic vehicle not entitled\n54 24 modified historic vehicle entitled\n55 25A rideshare vehicle not entitled\n56 25A rideshare vehicle entitled\n57 25B personal share vehicle not entitled\n58 25B personal share vehicle entitled\n59 26 light rail vehicle not entitled\n60 26 light rail vehicle entitled\n\nDictionary\npage 34 Motor Accident Injuries (Premiums and Administration)\nRegulation 2019\nEffective: 16/05/25\nR6\n16/05/25\nAuthorised by the ACT Parliamentary Counsel—also accessible at www.legislation.act.gov.au\nDictionary\n(see s 3)\nNote 1 The Legislation Act contains definitions and other provisions relevant to\nthis regulation.\nNote 2 For example, the Legislation Act, dict, pt 1, defines the following terms:\n• Commonwealth\n• Criminal Code\n• disallowable instrument (see s 9)\n• in relation to\n• quarter\n• territory authority\n• the Territory.\nNote 3 Terms used in this regulation have the same meaning that they have in\nthe Motor Accident Injuries Act 2019 (see Legislation Act, s 148). For\nexample, the following terms are defined in the Motor Accident Injuries\nAct 2019, dict:\n• APRA\n• ASIC\n• AWE (see s 17)\n• AWE adjusted\n• AWE indexed\n• Commonwealth authority\n• defined benefits (see s 33)\n• income replacement benefit payment\n• insurance industry deed (see s 359)\n• insured motor vehicle (see s 286)\n• insurer\n• licensed insurer\n• MAI commission\n• MAI guidelines\n• MAI insurer (see s 287)\n• MAI policy (see s 286)\n\nDictionary\nR6\n16/05/25\nMotor Accident Injuries (Premiums and Administration)\nRegulation 2019\nEffective: 16/05/25\npage 35\nAuthorised by the ACT Parliamentary Counsel—also accessible at www.legislation.act.gov.au\n• MAI premium (see s 314)\n• motor accident (see s 10)\n• motor accident claim (see s 228)\n• nominal defendant (see s 16)\n• unregistered vehicle permit.\nNote 4 The Road Transport (General) Act 1999 contains definitions relevant to\nthis Regulation. For example, the following terms are defined in the Road\nTransport (General) Act 1999, dictionary:\n• driver\n• jurisdiction\n• light rail vehicle\n• motor vehicle\n• registered operator\n• taxi\n• trader’s plate\n• vehicle.\nambulance, for schedule 1 (MAI premium classes)—see schedule 1,\nsection 1.1.\nannual MAI premium, for an MAI policy, for part 4 (MAI\npremiums)—see section 14.\nbreakdown vehicle, for schedule 1 (MAI premium classes)—see\nschedule 1, section 1.1.\nbus, for schedule 1 (MAI premium classes)—see schedule 1,\nsection 1.1.\ncar rental service, for schedule 1 (MAI premium classes)—see\nschedule 1, section 1.1.\ncollection notice—see section 22.\ndemand responsive service vehicle, for schedule 1 (MAI premium\nclasses)—see schedule 1, section 1.1.\n\nDictionary\npage 36 Motor Accident Injuries (Premiums and Administration)\nRegulation 2019\nEffective: 16/05/25\nR6\n16/05/25\nAuthorised by the ACT Parliamentary Counsel—also accessible at www.legislation.act.gov.au\ndrive-yourself vehicle, for schedule 1 (MAI premium classes)—see\nschedule 1, section 1.1.\ndue date—see section 22.\nfirefighting vehicle, for schedule 1 (MAI premium classes)—see\nschedule 1, section 1.1.\ngoods vehicle, for schedule 1 (MAI premium classes)—see\nschedule 1, section 1.1.\nGVM, of a vehicle, for schedule 1 (MAI premium classes)—see\nschedule 1, section 1.1.\nhire car, for schedule 1 (MAI premium classes)—see schedule 1,\nsection 1.1.\nhistoric vehicle, for schedule 1 (MAI premium classes)—see\nschedule 1, section 1.1.\nimplement, for schedule 1 (MAI premium classes)—see schedule 1,\nsection 1.1.\ninput tax credit—see the A New Tax System (Goods and Services)\nAct 1999 (Cwlth), section 195-1 (Dictionary).\ninput tax credit entitlement, for schedule 1 (MAI premium classes)—\nsee schedule 1, section 1.1.\nMAI premium class, for part 4 (MAI premiums)—see section 14.\nmiscellaneous vehicle, for schedule 1 (MAI premium classes)—see\nschedule 1, section 1.1.\nmobile crane, for schedule 1 (MAI premium classes)—see\nschedule 1, section 1.1.\nmodified historic vehicle, for schedule 1 (MAI premium classes)—\nsee schedule 1, section 1.1.\nmotorbike, for schedule 1 (MAI premium classes)—see schedule 1,\nsection 1.1.\n\nDictionary\nR6\n16/05/25\nMotor Accident Injuries (Premiums and Administration)\nRegulation 2019\nEffective: 16/05/25\npage 37\nAuthorised by the ACT Parliamentary Counsel—also accessible at www.legislation.act.gov.au\nmotorcycle, for schedule 1 (MAI premium classes)—see schedule 1,\nsection 1.1.\nmotor trike, for schedule 1 (MAI premium classes)—see schedule 1,\nsection 1.1.\npassenger vehicle, for schedule 1 (MAI premium classes)—see\nschedule 1, section 1.1.\npersonal share vehicle, for schedule 1 (MAI premium classes)—see\nschedule 1, section 1.1.\npolice vehicle, for schedule 1 (MAI premium classes)—see\nschedule 1, section 1.1.\nprescribed person—see section 20.\nprimary producer’s tractor, for schedule 1 (MAI premium classes)—\nsee schedule 1, section 1.1.\nprivate hire car, for schedule 1 (MAI premium classes)—see\nschedule 1, section 1.1.\nrestricted hire car, for schedule 1 (MAI premium classes)—see\nschedule 1, section 1.1.\nrideshare vehicle, for schedule 1 (MAI premium classes)—see\nschedule 1, section 1.1.\ntractor, for schedule 1 (MAI premium classes)—see schedule 1,\nsection 1.1.\nundertaker’s vehicle, for schedule 1 (MAI premium classes)—see\nschedule 1, section 1.1.\nveteran vehicle, for schedule 1 (MAI premium classes)—see\nschedule 1, section 1.1.\nvintage vehicle, for schedule 1 (MAI premium classes)—see\nschedule 1, section 1.1.\n\nEndnotes\n1 About the endnotes\npage 38 Motor Accident Injuries (Premiums and Administration)\nRegulation 2019\nEffective: 16/05/25\nR6\n16/05/25\nAuthorised by the ACT Parliamentary Counsel—also accessible at www.legislation.act.gov.au\nEndnotes\n1 About the endnotes\nAmending and modifying laws are annotated in the legislation history and the\namendment history. Current modifications are not included in the republished law\nbut are set out in the endnotes.\nNot all editorial amendments made under the Legislation Act 2001, part 11.3 are\nannotated in the amendment history. Full details of any amendments can be\nobtained from the Parliamentary Counsel’s Office.\nUncommenced amending laws are not included in the republished law. The details\nof these laws are underlined in the legislation history. Uncommenced expiries are\nunderlined in the legislation history and amendment history.\nIf all the provisions of the law have been renumbered, a table of renumbered\nprovisions gives details of previous and current numbering.\nThe endnotes also include a table of earlier republications.\n2 Abbreviation key\nA = Act NI = Notifiable instrument\nAF = Approved form o = order\nam = amended om = omitted/repealed\namdt = amendment ord = ordinance\nAR = Assembly resolution orig = original\nch = chapter par = paragraph/subparagraph\nCN = Commencement notice pres = present\ndef = definition prev = previous\nDI = Disallowable instrument (prev...) = previously\ndict = dictionary pt = part\ndisallowed = disallowed by the Legislative r = rule/subrule\nAssembly reloc = relocated\ndiv = division renum = renumbered\nexp = expires/expired R[X] = Republication No\nGaz = gazette RI = reissue\nhdg = heading s = section/subsection\nIA = Interpretation Act 1967 sch = schedule\nins = inserted/added sdiv = subdivision\nLA = Legislation Act 2001 SL = Subordinate law\nLR = legislation register sub = substituted\nLRA = Legislation (Republication) Act 1996 underlining = whole or part not commenced\nmod = modified/modification or to be expired\n\nEndnotes\nLegislation history 3\nR6\n16/05/25\nMotor Accident Injuries (Premiums and Administration)\nRegulation 2019\nEffective: 16/05/25\npage 39\nAuthorised by the ACT Parliamentary Counsel—also accessible at www.legislation.act.gov.au\n3 Legislation history\nMotor Accident Injuries (Premiums and Administration)\nRegulation 2019 SL2019-28\nnotified LR 17 October 2019\ns 1, s 2 commenced 17 October 2019 (LA s 79 (1))\nremainder commenced 1 February 2020 (s 2 and see Motor Accident\nInjuries Act 2019 A2019-12, s 2 (1) and CN2019-13)\nas amended by\nMotor Accident Injuries (Premiums and Administration) Amendment\nRegulation 2020 (No 1) SL2020-11\nnotified LR 2 April 2020\ns 1, s 2 commenced 2 April 2020 (LA s 79 (1))\ns 4, s 7 commenced 3 April 2020 (s 2 (2) (b))\nremainder commenced 3 April 2020 (s 2 (1))\nMotor Accident Injuries (Premiums and Administration) Amendment\nRegulation 2022 (No 1) SL2022-18\nnotified LR 8 December 2022\ns 1, s 2 commenced 8 December 2022 (LA s 79 (1))\nremainder commenced 9 December 2022 (s 2)\nMotor Accident Injuries (Premiums and Administration) Amendment\nRegulation 2023 (No 1) SL2023-37\nnotified LR 14 December 2023\ns 1, s 2 commenced 14 December 2023 (LA s 79 (1))\nremainder commenced 15 December 2023 (s 2)\nMotor Accident Injuries (Premiums and Administration) Amendment\nRegulation 2025 (No 1) SL2025-4\nnotified LR 15 May 2025\ns 1, s 2 commenced 15 May 2025 (LA s 79 (1))\nremainder commenced 16 May 2025 (s 2)\n\nEndnotes\n4 Amendment history\npage 40 Motor Accident Injuries (Premiums and Administration)\nRegulation 2019\nEffective: 16/05/25\nR6\n16/05/25\nAuthorised by the ACT Parliamentary Counsel—also accessible at www.legislation.act.gov.au\n4 Amendment history\nCommencement\ns 2 om LA s 89 (4)\nIndexation day—Act, s 18, def AWE indexed, par (b)\ns 7 am SL2020-11 s 4, s 5; ss renum R2 LA\n(4), (5) exp 1 February 2021 (s 7 (5))\nAWE indexation factor—amounts indexed annually—Act, s 19 (3), def AWE\nindexation factor\ns 9 am SL2020-11 s 7; ss renum R2 LA\nAdjustment day—Act, s 94 (1), def AWE adjusted, par (b)\ns 10 (2), (3) exp 1 February 2021 (s 10 (3))\nAmount of interim weekly payment—prescribed percentage—Act, s 103 (3)\ns 12 am SL2022-18 s 4\nQuality of life benefits\npt 3A hdg ins SL2020-11 s 8\nWPI taken to be 10% in certain circumstances—prescribed requirements—\nAct, s 133 (1) (b) (i)\ns 13A ins SL2020-11 s 8\nMedical treatment\npt 3B hdg ins SL2020-11 s 8\nMedical treatment—Act, s 221, def medical treatment\ns 13B ins SL2020-11 s 8\nMotor accident claims\npt 3C hdg ins SL2020-11 s 8\nMandatory final offer accepted—costs—Act, s 266 (2)\ns 13C ins SL2020-11 s 8\nMAI insurance\npt 3D hdg ins SL2025-4 s 4\nOffence—registered operator use, or permit or allow use of, uninsured motor\nvehicle on road or road related area\ns 13D ins SL2025-4 s 4\nCollections for nominal defendant fund—arrangements—Act, s 331 (1) (b)\ns 21 am SL2025-4 ss 5-7\nOffence—failure to pay contribution—Act, s 331 (1) (b)\ns 23 am SL2020-11 s 9; ss renum R2 LA\nFinancial penalties—matters that must be considered—Act, s 394D (1) (c)\ns 26 ins SL2023-37 s 4\n\nEndnotes\nAmendment history 4\nR6\n16/05/25\nMotor Accident Injuries (Premiums and Administration)\nRegulation 2019\nEffective: 16/05/25\npage 41\nAuthorised by the ACT Parliamentary Counsel—also accessible at www.legislation.act.gov.au\nDefinitions—sch 1\nsch 1 s 1.1 def modified historic vehicle ins SL2022-18 s 5\nMAI premium classes\nsch 1 pt 1.2 am SL2022-18 s 6; items renum R4 LA\nDictionary\ndict am SL2025-4 ss 8-10\ndef modified historic vehicle ins SL2022-18 s 7\n\nEndnotes\n5 Earlier republications\npage 42 Motor Accident Injuries (Premiums and Administration)\nRegulation 2019\nEffective: 16/05/25\nR6\n16/05/25\nAuthorised by the ACT Parliamentary Counsel—also accessible at www.legislation.act.gov.au\n5 Earlier republications\nSome earlier republications were not numbered. The number in column 1 refers to\nthe publication order.\nSince 12 September 2001 every authorised republication has been published in\nelectronic pdf format on the ACT legislation register. A selection of authorised\nrepublications have also been published in printed format. These republications are\nmarked with an asterisk (*) in column 1. Electronic and printed versions of an\nauthorised republication are identical.\nRepublication\nNo and date\nEffective Last\namendment\nmade by\nRepublication\nfor\nR1\n1 Feb 2020\n1 Feb 2020–\n2 Apr 2020\nnot amended new regulation\nR2\n3 Apr 2020\n3 Apr 2020–\n1 Feb 2021\nSL2020-11 amendments by\nSL2020-11\nR3\n2 Feb 2021\n2 Feb 2021–\n8 Dec 2022\nSL2020-11 expiry of provisions\n(s 7 (4), (5) and\ns 10 (2), (3))\nR4\n9 Dec 2022\n9 Dec 2022–\n14 Dec 2023\nSL2022-18 amendments by\nSL2022-18\nR5\n15 Dec 2023\n15 Dec 2023–\n15 May 2025\nSL2023-37 amendments by\nSL2023-37\n© Australian Capital Territory 2025","sortOrder":0}],"analysis":{"issue_detection":{"absurdities":[],"contradictions":[]},"flash_summary_failed":{"failed":true,"reason":"A positive credit balance is required for all requests, including BYOK, so fallback providers remain available. Add credits at https://vercel.com/d?to=%2F%5Bteam%5D%2F%7E%2Fai%3Fmodal%3Dtop-up to continue.","source":"analysis-cron"},"flash_summary":{"complexity_score":7,"scope_assessment":{"changed":true,"description":"The regulation's scope has expanded since its 2019 origin through multiple amending instruments (notably SL2020-11, SL2022-18, SL2023-37 and SL2025-4). Amendments inserted new parts and provisions (eg quality‑of‑life and medical treatment definitions, insurer licence/application detail, MAI insurance offence, and nominal defendant collection arrangements), increasing administrative and compliance coverage beyond the original 2019 text."},"complexity_factors":["Multiple indexation regimes and precise AWE formulas (different lookback periods, rounding rules and negative‑adjustment offsets)","Separate indexation/adjustment days (1 April and 1 October for many items; some items only 1 October)","Large schedule of MAI premium classes with input tax credit permutations and vehicle‑type distinctions (60 items)","Interactions and cross‑references to external instruments and statutes (ABS AWE series, A New Tax System (GST) Act, Road Transport regulations, Legislation Act)","Provisions for prorated and additional premiums (short‑term registration, change in vehicle construction/use) requiring MAI guidelines application","MAI commission discretions (approval of industry deed content, setting collection proportions, approval of MAI premiums)","Strict liability offences with penalty unit amounts and court enforcement mechanisms for unpaid nominal‑defendant contributions","Detailed insurer obligations and enforcement factors for financial penalties (wide list of considerations increases administrative assessment complexity)"],"plain_english_summary":"Sets the technical rules that run the ACT's motor accident injuries insurance system. It prescribes how benefits are indexed to Average Weekly Earnings, how annual and pro‑rata MAI premiums are classified and calculated, what medical treatment is covered, contribution and collection procedures for the nominal defendant fund, licensing and application requirements for insurers, and certain offences and penalties. It affects insurers, vehicle owners, claimants and government payers because it determines who pays, how much, and the administrative and compliance steps required."},"kimi_summary":{"content_quality":"ok","complexity_score":6,"scope_assessment":{"changed":true,"description":"The regulation has grown beyond its original administrative and premium-setting focus. The 2020 amendments added substantial new Parts covering quality of life benefits (3A), medical treatment definitions (3B), motor accident claims costs (3C), and insurer penalty considerations (Part 6, section 26). The 2025 amendment added Part 3D creating a new offence for using uninsured vehicles. While the original 2019 regulation focused primarily on premiums and indexation mechanics, it now encompasses substantive benefit rules, medical treatment scope, claims resolution costs, and criminal offences."},"complexity_factors":["Multiple mathematical formulas for indexation factors with conditional logic (negative adjustment offsetting) in sections 8, 9, and 11","60 distinct premium classes in Schedule 1 with cross-references to other ACT legislation (Road Transport Acts, Duties Act) for definitions","Extensive cross-referencing to the parent Motor Accident Injuries Act 2019 (over 30 section references)","Nested definitions: Schedule 1 defines terms specifically for premium classes, while the Dictionary provides general definitions and signpost definitions to Commonwealth tax law","Conditional exceptions in section 13D (offence for uninsured vehicles) with three specific exemption categories","Temporal complexity: Different indexation days (1 April/1 October vs annual 1 October) for different benefit types","12 specific factors the MAI Commission must consider before imposing financial penalties (section 26)"],"plain_english_summary":"This regulation supplies the administrative and financial detail that makes the ACT Motor Accident Injuries (MAI) no‑fault CTP scheme operate: it fixes how weekly income‑replacement payments are calculated and indexed, sets 60 vehicle premium classes, funds the Nominal Defendant, defines eligible medical treatment, caps certain legal costs, and imposes insurer licensing and compliance rules. \n\nIt directly affects ACT vehicle owners, people injured in motor crashes, licensed MAI insurers, and the MAI Commission—because it turns the Act’s framework into the actual numbers, formulas and obligations that determine payments, premiums and penalties."}},"importantCases":[],"_links":{"self":"/api/acts/motor-accident-injuries-premiums-and-administration-regulation-2019","history":"/api/acts/motor-accident-injuries-premiums-and-administration-regulation-2019/history","analysis":"/api/acts/motor-accident-injuries-premiums-and-administration-regulation-2019/analysis","conflicts":"/api/acts/motor-accident-injuries-premiums-and-administration-regulation-2019/conflicts","importantCases":"/api/acts/motor-accident-injuries-premiums-and-administration-regulation-2019/important-cases","documents":"/api/acts/motor-accident-injuries-premiums-and-administration-regulation-2019/documents"}}