CTP insurance in Queensland

A guide to how CTP insurance works in Queensland.

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By

Peta Taylor

Updated

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Key takeaways

  • Compulsory Third Party insurance (CTP) is — as the name implies — compulsory.
  • Queenslanders get to pick who their CTP insurer will be. Some other states don't.
  • There are 3 insurers who provide CTP cover; Suncorp, Allianz and QBE.

What is CTP insurance?

Compulsory Third Party (CTP) insurance covers personal injuries caused by motor vehicle accidents and is a legal requirement in Queensland. It operates under the Motor Accident Insurance (MAI) scheme and is available through 3 private insurers. In Queensland, CTP is automatically included in your vehicle registration — so if your car is registered, you're already covered. If your car is unregistered, you'll need to purchase CTP before registering it.

Who offers CTP insurance in QLD?

Compulsory Third Party (CTP) insurance can be purchased from Suncorp, Allianz, and QBE.

How much does CTP cost in Queensland?

ProviderAnnual Cost
Picture not described$379.60
Allianz logoUnable to get online quote
QBE LogoUnable to get online quote

The above quotes are for a car or station wagon that is not registered for GST.

Do I need any other insurance?

CTP insurance only covers you for the legal liability of injuries caused by car accidents. It does not cover damage to your car or the legal liability of damages you incur to other people's car or property. To be covered for this, you should look into third party property damage, third party fire & theft or comprehensive car insurance. Comprehensive insurance is the only one that will cover you for damage to your own car during an accident.

FAQs

Sources

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Publisher of Insurance

Peta Taylor is a publisher at Finder, working across all of insurance. She's been analysing product disclosure statements and publishing articles for over 2 years. Peta is passionate about demystifying complex insurance products to help users make well educated decisions with confidence. Peta is part of Finder's insurance awards team and works alongside editorial and insights experts to bring users the best insurance products every year. See full bio

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