Loading...
Loading content...
Loading content...
CTP (Compulsory Third Party) insurance covers compensation for people who are injured or killed in an accident involving your vehicle. It is legally required for all registered vehicles in Australia and does not cover property damage — only personal injury claims.
CTP is managed differently across states. In NSW, ACT, and QLD you can choose your CTP provider from approved insurers. In VIC, SA, WA, TAS, and NT, CTP is provided by a government-run scheme and included in your registration fees. The benefits and claim processes vary by state, so it is worth checking your state's motor accident authority for specific entitlements.
CTP does not cover damage to vehicles or property — that requires third party property or comprehensive insurance. In most states it also does not cover the at-fault driver's own injuries, though some states (like Victoria) provide no-fault benefits for all parties. CTP is purely about compensating people for physical injury claims arising from a motor vehicle accident.
CoverMy connects you with licensed Australian insurance brokers who compete for your business.
Compare BrokersCar Insurance
What Is the Difference Between Comprehensive and Third Party Car Insurance?
Car Insurance
What Does Comprehensive Car Insurance Cover in Australia?
Car Insurance
What Is a Car Insurance Excess?
Car Insurance
How Much Does Car Insurance Cost in Australia?