Compulsory Third Party (CTP) Insurance in Queensland
Compulsory Third Party (CTP) insurance is compulsory in Australia. Here’s how it works in Queensland, and a list of providers.
18 Apr 2024
Compulsory Third Party (CTP) insurance is compulsory in Australia. Here’s how it works in Queensland, and a list of providers.
Key points:
- All vehicles must have CTP insurance to be driven in Queensland.
- CTP insurance is included with your car registration cost in Queensland.
- Queensland has an ‘at fault’ CTP scheme.
Do you need CTP insurance in QLD?
All vehicles must have compulsory third party (CTP) insurance cover before driving on Queensland roads. You cannot register your vehicle without having a CTP policy.
In Queensland, CTP insurance is regulated by the Motor Accident Insurance Commission (MAIC) and you can buy CTP insurance with your vehicle registration.
What does CTP insurance cover in QLD?
CTP insurance is designed to cover the cost of compensation claims if you kill or injure someone in a car accident.
CTP insurance does not cover you for damage to your vehicle, damage to other people’s vehicle, damage to property or theft. For this additional cover, you may want to consider the pros and cons of purchasing comprehensive car insurance.
Is CTP insurance included in your rego in QLD?
Yes, CTP insurance is included with your car registration cost in Queensland.
Queensland is one of the states in Australia where you can compare CTP prices and switch to another CTP insurer, and you can choose a different CTP insurer each time you register.
Your current insurer continues to provide your CTP unless you choose another one. You can do this online or directly with the insurer you choose.
You’ll be shown all current CTP insurance providers and the price for your selected insurance class on the the Department of Main Roads and Transport website.
As well as looking at the price, you may want to consider any additional benefits or incentives that are on offer from each provider. Alternatively, you can also buy CTP insurance directly from one of the CTP insurance providers in Queensland.
How much is CTP insurance in QLD?
Queensland CTP insurers set their own premiums each quarter within an upper and lower limit set by the MAIC.
The MAIC also has a CTP premium calculator that you can use. For example, at current prices, for a class 1 car or station wagon not entitled to have the GST payable as a tax credit, it says your CTP will be $369.60 for 12 months.
Who can make a CTP insurance claim in QLD?
Queensland has an ‘at fault’ CTP scheme. That means that the injured person can make a CTP insurance claim if it was the fault (completely or partially) of the other driver or vehicle owner. This claim is made against the CTP insurance provider of the vehicle that caused the crash.
If the injured person was partly responsible for the crash, the MAIC says they can still make a CTP claim but the compensation amount they receive may be reduced.
Queensland’s ‘at fault’ CTP scheme is different to New South Wales and Victoria. In these states, benefits are paid to the injured person regardless of who was at fault.
There is also the National Injury Insurance Scheme, Queensland (NIISQ). This is a no-fault scheme that provides necessary and reasonable lifetime treatment, care and support to people who are seriously injured in a motor vehicle accident in Queensland. Eligible participants of the scheme are still able to make a CTP claim.
Who provides CTP insurance in QLD?
There are three insurance companies currently licensed to offer CTP insurance in Queensland:
- Allianz
- QBE
- Suncorp
With the introduction of the NIISQ, Queensland CTP insurance companies no longer provide additional insurance to cover an at-fault driver hurt or fatally injured.
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This article was reviewed by our Editor-in-Chief Nina Rinella before it was updated, as part of our fact-checking process.
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