CTP insurance in Tasmania

CTP insurance is a legal requirement in Tasmania. It covers the cost of compensation claims made against you if you kill or injure someone in a vehicle accident. While it's mandatory throughout Australia, it works a little differently in each state. Here's how CTP Tansmania insurance works.

How much does CTP in Tasmania cost?

Tasmania's CTP insurance scheme is provided by the Motor Accidents Insurance Board (MAIB). Because everyone in Tasmania gets it from one place, you pay your CTP premium to them as part of your annual vehicle registration fee. The cost is worked out based on the type of vehicle you own, and is outlined in your registration renewal form.

For new registrations and renewals from 1 December 2019, the CTP premium for a motor car in Tasmania (including a campervan) is $314, and $255 for pensioners and asylum seekers.

Is there any difference between CTP in Tasmania?

In Tasmania, CTP insurance provides 'no fault' compensation to all those involved in the motor vehicle accident, regardless of who is responsible. This is different from other states, like NSW and QLD, where you aren't necessarily covered if you are the at fault driver.

With Tasmania, even motorists who act negligently are entitled to compensation. The only exception is if they are found to have deliberately set themselves up to be injured or involved in an accident.

How does CTP work in Tasmania?

The CTP insurance scheme in Tasmania is automatically included in your registration fee each time you renew and is a combined common law/no fault scheme. This means that if a personal injury is caused by a motorist's negligence, common law damages are payable to the full extent allowed.

It also means that people can recover additional damages, such as compensation for pain and suffering, from an at fault party. Those 'common law' procedures must be commenced within 3 years of an accident.

What does Tasmania's CTP scheme cover?

CTP Tasmania insurance provides compensation to all victims of motor vehicle accidents that occur in the state, regardless of who is responsible. Motorists who are responsible for an accident are still entitled to compensation. Compensation can pay for:

While CTP covers you for legal liability, keep in mind that it does not cover:

• Loss or damage to someone's property
• Damage to your car, motorcycle or any other vehicle
• Fire or theft

If you couldn't afford to pay for repairs to your vehicle or another person's property, then consider comprehensive, third party or third party fire & theft for more wide-ranging financial protection.

Who offers CTP in Tasmania?

At the time of writing, the Motor Accidents Insurance Board (MAIB) is the only insurer currently licensed to offer CTP insurance in Tasmania. The MAIB is a Tasmanian Government Enterprise established in 1974 under the Motor Accidents (Liabilities and Compensation) Act 1973. The MAIB provides financial assistance for medical care on a no-fault basis if you are injured or involved in a motor vehicle accident.

CTP won't protect your car but comprehensive car insurance will

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Name	Product	Roadside assistance	Accidental damage	Storm	Choice of repairer	Agreed or Market Value
Youi Comprehensive Finder Award					Optional	Agreed or Market	Finder's summary: The 2023 winner of our Best Features Car Insurance award. Plus, it's one of the only insurers to automatically include roadside assistance. Who it might be good for: Those who want good customer service with lots of inclusions.	Get QuoteView details Compare	loading Fetching your data...
Budget Direct Comprehensive Finder Award		Optional			Optional	Agreed or Market	Finder's summary: The 2024 winner of our Best Value Car Insurance award. It's cheaper than most, plus you can lower costs by adding age restrictions. ⭐ Current offer: 15% off your first year's premium when you take out a policy online. T&Cs apply. Who it might be good for: Anyone who wants a good value policy.	Get QuoteView details Compare	loading Fetching your data...
Australia Post Comprehensive					Optional	Agreed or Market	Finder's summary: Covers a little more than other insurers. You don’t need to pay an excess for windscreen repairs and cover applies to anyone who uses your car. ⭐ Current offer: Get $75 off your first year's comprehensive car insurance premium when you buy online. T&Cs apply. Who it might be good for: Multiple people using one car.	Get QuoteView details Compare	loading Fetching your data...
Qantas Comprehensive		Optional			Optional	Agreed or Market	Finder's summary: You need car insurance so why not get one that lets you earn Qantas Points? It's good value too (it's underwritten by the same insurer as Budget Direct). ⭐ Current offer: Earn up to 30,000 Qantas Points with every car insured by 30 September. Plus save 15% on your 1st year’s premium when you purchase online. T&Cs apply. Who it might be good for: People who want more bang for their buck with Qantas Points.	Get QuoteView details Compare	loading Fetching your data...
ROLLiN' Comprehensive						Agreed	Finder's summary: One of the most cost-effective insurers for under 25s, according to Finder research, with no aged-based excess. Who it might be good for: Young drivers looking to keep costs down and anyone who’d like to get more flexibility from their car insurance.	Get QuoteView details Compare	loading Fetching your data...
QBE Comprehensive Green Company					Optional	Agreed or Market	Finder's summary: Our best-rated Car Insurer for Customer Satisfaction in 2021/2022 and Green Insurer for the last 3 years. ⭐ Current offer: Save $75 when you purchase a new comprehensive policy online. T&Cs apply. Who it might be good for: Those who want a trustworthy insurer and more cover than other brands, such as 3-year new car replacement (e.g. they'll give you money for a new car for up to 3 years if yours is written off).	Get QuoteView details Compare	loading Fetching your data...

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Written by

Andrew Munro

Editor

Andrew Munro was the global cryptocurrency editor at Finder. During his time he covered all aspects of cryptocurrency and the blockchain. Before he became cryptocurrency editor, he was a content writer for Finder covering various topics over his nearly 5 years in the role. Prior to joining Finder he was a web copywriter. Andrew has a Bachelor of Arts from the University of New South Wales. See full bio