CTP insurance is compulsory in Australia, and can cover costs associated with injuries to other people if you're involved in an accident. However, it won't cover loss or damage to your own car or property – that’s where comprehensive car insurance comes in.

If you’re in New South Wales, Queensland, or South Australia you must buy CTP insurance separately before registering your car. In the Australian Capital Territory, you’ll need to arrange Motor Accident Injuries (MAI) insurance. It’s like CTP but covers everyone injured in an accident, regardless of who’s at fault.

In Victoria, Western Australia, Tasmania and the Northern Territory, CTP insurance is included in the price of your vehicle registration.

Who does CTP insurance cover?

CTP insurance can cover an at-fault driver’s liability for costs related to a third party's injuries after an accident. These third party’s could be your passengers, other road users like cyclists and pedestrians. The costs related to these injuries can include things like medical bills and lost income.

CTP insurance can also cover an at-fault driver’s liability to pay compensation to people injured or killed in a motor vehicle accident.

What’s the difference between CTP, comprehensive and third party property damage insurance?

Understanding the differences between CTP Insurance and other types of insurance is crucial for making an informed decision on your car insurance. At a high level:

• CTP insurance is mandatory across Australia and covers injuires to others.
• Comprehensive car insurance covers accidental loss or damage to your car, as well as damage your car causes to other people’s vehicle and property.
• Third party property damage insurance covers damage your car causes to other people's car or property, but doesn't cover injuries to people or damage to your own vehicle.

CTP vs comprehensive car insurance

While CTP insurance is compulsory and focuses on covering injuries to others, comprehensive car insurance can cover accidental loss or damage to your car. Plus, it can cover any damage you may cause to someone else’s car or property following an insured event such as collisions, theft, and natural disasters.

CTP vs third party property damage insurance

Third party property damage insurance is another type of car insurance that covers loss or damage to other people's car or property caused by the use of your car. You should be aware that damage to your own car is generally not covered as part of this policy.