CTP insurance in Tasmania

How does CTP insurance work in Tasmania?

Compulsory third party car insurance (CTP) is mandatory in Australia, but it works different in each state.

This type of cover is designed to pay out for injuries sustained in motor vehicle accidents. It covers:

  • Motorists
  • Pedestrians
  • Passengers
  • Cyclists
  • Other road users

Benefits payable include:

  • Medical costs
  • Ambulance transport
  • Hospital treatments
  • Loss of income
  • Disability benefits and care expenses
  • Funeral expenses and death benefits

The cost of this insurance is part of the vehicle registration, and registration renewal, fees.

How the scheme works

The scheme is administered by the Motor Accidents Insurance Board (MAIB). It’s a combined common law/no fault scheme.

This means that people who are injured in a motor vehicle accident are entitled to medical and loss of income benefits, regardless of who’s at fault for an accident.

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 CTP insurance not cover?

CTP insurance does not cover property damage or vehicle theft. Generally, it doesn’t cover anything not specified above under “benefits payable.”

For these, you will need one of the optional car insurance types.

The cheapest extra cover is third party property damage car insurance. This can cover you if you are liable for damage to another person’s property.

To cover your own vehicle against damage, you will need to look at comprehensive car insurance.

Learn more about additional car insurance in Tasmania, and compare cover

Need more cover? Try one of these policies...

Details Features
Comprehensive
Comprehensive
Save 24% on your policy if you've been claim free for 3 years.
  • Discounts: No
  • Pay monthly at an extra cost
  • Hire car after theft: Yes - up to $50 a day
  • Choice of repairer: No
  • Roadside assistance: No
Get Quote More info
Comprehensive
Comprehensive
Save up to 15% when you buy online.
  • Discounts: Buy online and save 15%
  • Pay monthly at an extra cost
  • Hire car after theft: Yes - up to $1,000 (limit 14 days)
  • Choice of repairer: Yes
  • Roadside assistance: Optional
Get Quote More info
Comprehensive
Comprehensive
Buy online and save up to 10%. Price-beat guarantee for drivers aged over 25.
  • Discounts: Buy online and save up to 10%
  • Pay monthly at no extra cost
  • Hire car after theft: Yes - up to $70 a day for up to 14 days
  • Choice of repairer: No
  • Roadside assistance: Optional
Get Quote More info
Comprehensive
Comprehensive
Complete a quote but don't end up switching? You'll still get 100 YouiDollars.
  • Discounts: Chance for 100 YouiDollars
  • Pay monthly at an extra cost
  • Hire car after theft: Yes - Reasonable costs for 14 days
  • Choice of repairer: Yes
  • Roadside assistance: Yes
Get Quote More info
Comprehensive
Comprehensive
Buy online and save up to 10% on your policy.
  • Discounts: Save up to 10% when you buy online
  • Pay monthly at no extra cost
  • Hire car after theft: Yes - up to $70 a day for 14 days
  • Choice of repairer: No
  • Roadside assistance: Optional
Get Quote More info
Price Saver (Comprehensive)
Price Saver (Comprehensive)
New customers can receive up to 10,000 Velocity Frequent Flyer points. Ends 28 Feb 2018.
  • Discounts: Buy online and save 15%
  • Pay monthly at an extra cost
  • Hire car after theft: Yes - up to $1,000 (limit 14 days)
  • Choice of repairer: Yes
  • Roadside assistance: Optional
Get Quote More info
Comprehensive
Comprehensive
Transforms your driving so it's 100% carbon neutral.
  • Discounts: No
  • Pay monthly at no extra cost
  • Hire car after theft: Yes - up to $70 a day for up to 14 days
  • Choice of repairer: No
  • Roadside assistance: No
Get Quote More info
Comprehensive
Comprehensive
Save up to 10% when you buy online.
  • Discounts: Buy online and save up to 10%
  • Pay monthly at no extra cost
  • Hire car after theft: Yes - up to $100 a day for up to 30 days
  • Choice of repairer: Yes
  • Roadside assistance: No
Get Quote More info
Comprehensive - Elegant Cover
Comprehensive - Elegant Cover
Save up to 20% when you purchase online.
  • Discounts: Save up to 20% when you purchase online
  • Pay monthly at an extra cost
  • Hire car after theft: Yes - up to $60 a day for up to 14 days
  • Choice of repairer: No
  • Roadside assistance: Optional
Get Quote More info

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Andrew Munro

Andrew writes for finder.com, comparing products, writing guides and looking for new ways to help people make smart decisions. He's a fan of insurance, business news and cryptocurrency.

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