Compulsory Third Party (CTP) Insurance

What is CTP Insurance?

CTP insurance stands for Compulsory Third Party insurance. This insurance provides for compensation for people injured or killed when your vehicle is involved in an accident.

  • CTP insurance is compulsory in all states of Australia
  • You cannot register your vehicle without having a policy in place
  • In most states, your CTP is included with your registration, unlike NSW where you must purchase it as a separate step before renewing your registration.

States also vary on the basis of other factors, including fault, liability, injury and compensation. In addition, states also have different requirements for vehicle safety and identity checks to be satisfied before registration.

Learn more about the rules and requirements for CTP insurance and registration in the state where you live:

Regardless of the state, CTP insurance will not cover you for damage to vehicles (yours or other parties), damage to property or theft. You need to insure separately for these losses.

CTP insurance FAQs

1. What does it cover?

CTP insurance provides for compensation for people injured or killed when a vehicle is involved in an accident. Effectively, the driver of the vehicle causing the injury is being indemnified against claims for the damage and losses that were caused.

2. Why is it compulsory?

Third party personal insurance is compulsory so compensation for loss is not dependent on the means of the person who caused the loss. Without CTP insurance, compensation may not be available equally to all parties who are entitled to some form of compensation.

3. Do I still need Comprehensive insurance?

Comprehensive insurance and CTP insurance are entirely different. CTP insurance does not cover damage to property, damage to vehicles or theft. Coverage for incidents such as those is generally included in comprehensive insurance.

4. Who receives the premium?

The CTP insurance premium is received by the insurer or body that underwrites the scheme. The insurer or underwriting body also pays claims.

5. How do I find cheap CTP insurance?

The answer to this question depends entirely on the state where you live. In some states there is only one CTP underwriter and the CTP premium is included in your registration. In Qld, ACT, SA and NSW there are multiple CTP insurers. You need to get CTP insurance quotes to find the CTP price available in those states.

Use the calculator on this site to find the cheapest NSW CTP prices.

CTP Insurance - more info


Find out about ACT CTP and how to compare prices. read more

NT >

Learn about CTP and registration in the NT. read more


How CTP green slips work in NSW and how to compare prices from all insurers. read more

Qld >

Learn about CTP in Qld and how to change insurers. read more

SA >

Understand the new private SA CTP scheme and how it works now. read more

Vic >

How CTP and registration works in Vic. read more

WA >

CTP and vehicle licensing in WA explained. read more

Tas >

The CTP scheme and how to register a vehicle in Tas. read more