The cost of your Compulsory Third Party (CTP) insurance in Queensland depends on things like the type of vehicle you have and how you use it (e.g. for work or personal use).
To help with this, vehicles are grouped into different categories called “vehicle classes.” These classes are listed in Schedule 1 of the Motor Accident Insurance Regulation 2018. You can check the list below.
You can also find details about your vehicle’s CTP insurance on your registration renewal notice, which is sent to you by the Department of Transport and Main Roads, either by mail or email. It’s also on your registration certificate.
If you are unsure of which vehicle class to register your vehicle under, you may consider contacting the Department of Transport and Main Roads, your CTP insurer, or in some situations seeking legal advice.
Motor vehicle class descriptions
| Vehicle class | Description |
|---|---|
| 1 | Cars and station wagons |
| 2 | Motorised homes, but not if the part of the motor vehicle designed for residence is detachable from the part that provides the motive power |
| 3 | Taxis (cars and station wagons only) |
| 4 | Hire vehicles that would otherwise fall into Class 1, 2 or 6 and are not in class 26 |
| 5 | Motor vehicles, including cycles, for use only as vintage, veteran, historic or street rod motor vehicles |
| 6 | Trucks, utilities and vans, including panel vans, with a gross vehicle mass of 4.5t or less |
| 7 | Trucks, prime movers and vans with a gross vehicle mass of more than 4.5t |
| 8 | Buses that are – (a) exempt or partially exempt from payment of vehicle registration fees on the basis of use for charitable or community service; or (b) used only for driver tuition; or (c) not used for or in connection with a business or commercial purposes |
| 9 | Buses used substantially for transporting – (a) children, mature age students, teachers, other school employees and parents to or from school or school events; or (b) persons of any age to or from centres for therapy, rehabilitation, or remedial or other special education; (but a bus is not taken to be used substantially for transporting passengers of these classes if it carries a number of passengers of some other class or classes that is more than 10% of its adult passenger seating capacity) |
| 10A | Buses that are – (a) used within 350km of their principle base of operations; and (b) not in class 8, 9, or 10B |
| 10B | Buses operating under an integrated mass transit service contract, other than buses used only for a school service or a restricted school service |
| 11 | Buses that are not in class 8, 9, 10A or 10B |
| 12 | Motorcycles with 2 wheels or 3 wheels, including motorcycles for hire, with seating only for the driver |
| 13 | Motorcycles with 2 or 3 wheels, including motorcycles for hire, with either or both of the following – (a) seating for a pillion passenger; (b) a sidecar |
| 14 | Tractors, with or without attachment, that are conditionally registered with unrestricted access registration |
| 15 | (a) Self-propelled machinery, other than a vehicle of class 14, 19, 20 or 21; and (b) Fire engines, bush fire brigade vehicles, and other emergency vehicles other than ambulances |
| 16 | Ambulances |
| 17 | Motor vehicles used only for primary production, other than motor vehicles for which a lower premium is prescribed |
| 19 | Motor vehicles that are conditionally registered with limited access registration |
| 20 | Motor vehicles that are conditionally registered with zone access registration |
| 21 | Self-propelled machinery other than a vehicle of class 14, 15, 19 or 20, that is conditionally registered with unrestricted access registration |
| 22 | Motor vehicles, other than trailers, for which unregistered vehicle permits have been or are to be issued (base rate for the first day plus $1.10 per day for every additional day) |
| 23 | Motor vehicles, other than trailers, to be driven with a dealer’s plate attached in the course of a business for which the dealer’s plate is issued |
| 24 | Trailers with a GVM of more than 4.5 t for which a supplementary policy within the meaning of s31(5) of the Act is sought |
| 26 | Booked hire vehicles (cars, station wagons and utilities) and limousines (cars and station wagons) that are not also motor vehicles made available, at any time, for hire without a driver |