Frequently asked questions

What is CTP insurance?

CTP insurance indemnifies vehicle owners and drivers who are legally liable for personal injury to any other party in the event of a motor vehicle accident. Your CTP insurance will cover you for personal injury caused by, through or in connection with the use of the insured vehicle in incidents to which the Motor Accident Insurance Act 1994 applies. It will cover you for claims made against you by other road users such as drivers, passengers, pedestrians, cyclists, motorcyclists and pillion passengers.

What does third party mean?

There are three parties to CTP. The first party is the owner/driver of the vehicle ‘at fault’. The second party is the CTP insurer of the vehicle ‘at fault’. The third party is the injured person.

Who can claim CTP compensation?

Any person injured in a motor vehicle accident in Queensland due to the fault (total or partial) of the driver, owner or another person insured by the at-fault vehicle’s CTP insurer.

See Who can make a claim for more information.

Does CTP insurance cover damage to property or other vehicles?

No. CTP insurance only covers personal injury resulting from a motor vehicle accident.

What if I don’t have CTP insurance?

CTP insurance is compulsory and a condition of motor vehicle registration. If an accident occurs involving a vehicle without registration and CTP insurance, the driver and owner may be financially liable for the damages paid to the injured person. In addition, owners and drivers of unregistered vehicles face hefty fines.

Do I need to purchase a separate CTP insurance policy for my trailer?

No. See Trailers for more information.

Is CTP insurance good value?

Yes. Unlike many other types of insurance, CTP provides unlimited indemnity to the insured. Benefits paid to the injured party depend on the extent of the injuries and can include the cost of ambulance, hospital and medical treatment, rehabilitation, loss of income and long-term care. Limits may apply with respect to loss of income (the upper limit being three times average weekly earnings per week) and limits may apply in certain circumstances regarding the payment of legal costs.

Who sets the CTP premiums?

As from 1 October 2000, licensed CTP insurers determine premium rates every quarter within an upper and lower limit set by the Motor Accident Insurance Commission.

See CTP insurance premiums for more information.

Can I change my CTP insurer?

Yes. See Changing Insurer for more information.

Do GST credits apply to CTP?

See GST for more information.

What should I do if I’m injured in an accident?

See the overview of the CTP claim process.

Last modified 3 December 2020


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Hello, I'm Andi. I'm here to help you with your CTP related enquiries.