CTP insurance

Compulsory Third Party (CTP) Insurance Overview

Compulsory Third Party Insurance (or CTP Insurance) covers the driver of a vehicle who is at fault in a motor vehicle accident for injury that is sustained by either their passengers or other road users. CTP Insurance is included as a compulsory component of your vehicle registration. While it is compulsory to hold insurance you do have a choice of Insurer. There may be advantages to you depending on your personal situation and while CTP Insurers cannot offer a discount on CTP Insurance, they can provide discounts on other products they offer (i.e. comprehensive insurance policies or roadside assistance).

Currently, the Licensed CTP Insurers in Queensland are:-

  • AAI Limited (trading as Suncorp)
  • Allianz Australia Insurance Limited
  • Insurance Australia Limited (trading as NRMA)
  • QBE Insurance (Australia) Limited
  • RACQ Insurance Limited

Until recently AAMI was also a CTP Insurer in Queensland, however all AAMI and Suncorp policies were transferred to a related company, AAI Limited. If you held a CTP policy and are interested in what the changes mean for you we recommend visiting the Motor Accident Insurance Commission website at:

CTP Insurance does not cover you for damage to property as a result of an accident for which you are the at-fault driver, nor does it cover you for damage to your vehicle if someone else is at fault for the accident. Insurers refer to this type of cover as Comprehensive Insurance.

We can assist you in making a CTP claim for compensation when you have been injured in a motor vehicle accident.

If you would like to discuss your claim you can submit and online enquiry or contact us
on 1800 007 277 for an obligation free enquiry.

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