CTP insurance in Victoria

How CTP insurance and the TAC work

Victoria’s compulsory third party (CTP) insurance scheme is administered by the Transport Accident Commission (TAC).

CTP is the type of car insurance that pays for injuries on the roads. It’s mandatory all over Australia, but works differently in each state.

CTP is an insurance policy that’s paid for when you register a car in Australia.

How it works in VIC

If you’ve been in a road accident, you can contact TAC. It’s a no fault scheme, designed to compensate injured parties regardless of who is found to be responsible for an accident.

It can pay for necessary:

  • Ambulance, hospital and nursing services
  • Treatment and support for severely injured or disabled people
  • Rehabilitation services
  • Medical services
  • Therapy services
  • Household and community support services
  • Medical and equipment
  • Travel expenses for the purposes of receiving necessary treatments
  • Compensation for loss of income
  • Lump sum compensation

Generally, the idea to make sure that anyone who’s injured in a road accident is able to access the full range of medical treatments, compensation and support services they need, for anything that’s related to injuries they sustained in their accidents.

A portion of your car registration fees go towards paying for this, while a significant portion also go towards road safety campaigns. After all, the prevention’s better than the cure.

What does CTP insurance no cover?

It does not cover anything not related to injuries suffered in a road accident, or anything that will not help you.

But within those strict boundaries, it can pay for a wide range of things.

Do I need any other cover?

CTP insurance is mandatory, and automatically gotten with vehicle registration.

But it does not cover any kind of damage to your vehicle, or your liability for damage to another person’s property.

For that, you will need comprehensive car insurance, or third party property damage car insurance.

See what other kinds of car insurance you can get in Victoria, and how much it costs.

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

Name Product New Car Replacement Pay monthly at no extra cost Choice of repairer Roadside Assistance Hire car after theft Personal effects
Optional - If your car is written off in the first 3 years
No
No
No
Optional - Up to $50 a day until your claim is settled
$0
Save 24% on your policy if you've been claim free for 3 years.
Yes - If your car is written off in the first 2 years
Yes
No
No
Yes - Up to $70 per day (Max 14 days)
$500
Transforms your driving so it's 100% carbon neutral.
Yes - If your car is written off or stolen in the first 2 years
No
Yes
Yes
Yes - Reasonable costs (Max 14 days)
$750
Emergency roadside assistance included in Comprehensive policies.
Yes - If your car is written off in the first 2 years
No
No
Optional
Yes - Up to $70 per day (Max 14 days)
$500
Save up to 10% when you buy online.
Yes - If your car is written off in the first 2 years or is under 40,000 km
No
Yes
Optional
Yes - Up to $1,000 (Max 14 days)
$250
Buy online and save 15%.
Yes - If your car is written off in the first 2 years or is under 40,000 km
No
Yes
Optional
Yes - Up to $1,000 (Max 14 days)
$500
Save 15% when purchasing online. Eligible customers can earn up to 20,000 Velocity Frequent Flyer Points when purchasing a new policy by 31 Oct 2018. Excludes NT. Min 6mths policy & T&CS apply.
Yes - If your car is written off in the first year or is under 20,000 km
No
No
Optional
Optional - Up to $60 per day (Max 14 days)
$500
Save up to 20% on car insurance when you purchase cover online.

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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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