CTP insurance for motorcycles

Get your motorcycle CTP insurance before riding

CTP insurance, sometimes known as a green slip, is mandatory for all road vehicles in Australia. This type of insurance covers other drivers for injuries you might cause in an accident, while their CTP covers you in the event of you being injured by them.

Generally, your CTP cover will be the same no matter which insurer you get it from, although the costs may vary between insurers and depending on what kind of motorbike you have.

It’s important to note that CTP insurance generally does not cover you in any way, and does not include any third party property damage cover. You will also need additional motorcycle insurance to protect yourself from third party property liability, and damage to your bike.

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How to get CTP insurance for motorcycles

Each state and territory has its own CTP procedures.

In South Australia, Victoria, Tasmania, Western Australia and the Northern Territory you get your CTP while registering your motorcycle, and the cost is included. It will always be the same cover, and the same cost.

In New South Wales and the ACT you must take out CTP insurance separately before you can register your vehicle. For cars there are different options, but for motorcycles the cover will generally be the same with price being the only difference. Here you can shop around to find the cheapest by getting quotes from each of the six state CTP insurers.

In Queensland you can either shop around for cheap cover, or get CTP insurance automatically included in vehicle registration.

How much does CTP insurance cost for motorcycles?

For motorcycles, the cost of CTP insurance is directly determined by the bike’s engine capacity, and which of the five groups it lands in.

  • Up to and including 225cc
  • 226cc to 725cc
  • 226cc to 1125cc
  • 1126cc to 1325cc
  • 1325cc and greater

Price can vary significantly between groups, but there is no price difference within these groups. Other factors which affect your CTP insurance prices include:

  • Geographic region. Areas with a statistically higher risk of accidents may cost more.
  • Your age. Younger drivers, especially those under 25, have higher CTP insurance premiums.
  • Your driving history. If you have previous traffic offenses or more demerit points, this can raise the cost of your premiums.
  • Your driving experience. Inexperienced drivers, such as those on learner or provisional licenses may have higher CTP insurance premiums.

Rider experience and engine capacity are generally the two most significant factors affecting your premiums.

In Queensland and NSW, different insurers will consider and weigh these factors in different ways, which can lead to price differences. As such, there’s no single cheapest option and it’s worth getting quotes from them all.

What does CTP insurance do?

The exact way the CTP insurance scheme works varies between states, but in general it pays for injuries, medical costs and appropriate compensation when someone is injured on the roads.

Typically, whoever is deemed to be at fault for the accident will have their CTP insurance pay the injured party.

If you are found to be at fault for an accident, CTP insurance will generally not cover you, except for specific and exceptionally severe injuries, such as those which may be permanently disabling.

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