Get a good deal more with Suncorp CTP
Most of us don’t pay that much attention to our CTP. It is something we think about
once a year when our rego comes up for renewal.
We know we have to have it. But just what is it and what does it do?
CTP covers people
CTP provides compensation to people injured in a motor vehicle accident caused by
a negligent driver. This includes other drivers, passengers (in your car and other
vehicles), pedestrians, cyclists and motorcyclists – basically anybody hurt as a
result of the accident, except for the driver at fault.
Not all CTP insurers protect you the same way. If you or a loved one were injured
in a serious accident, wouldn’t you want the best protection available?
When you choose Suncorp CTP, you get a good deal more cover for your money.
Here’s how you get a good deal more with Suncorp CTP
- Driver Protection Cover, at no extra cost for eligible customers, which
includes:
- up to $2 million in benefits for specified serious injuries to eligible "at-fault"
drivers if the motor vehicle is comprehensively insured with Suncorp;
- up to $1 million in benefits for specific serious injuries to eligible at-fault
drivers, where the vehicle is not comprehensively insured with Suncorp and the driver
is aged 25 years or over; and
- a lump sum of $5,000 which may assist in paying medical or rehabilitation costs,
if in our opinion, following a preliminary assessment of the claim, the "at fault"
driver is eligible or is likely to be eligible for DPC benefits.
- Access to a team of health care and rehabilitation professionals
- An efficient claims process with over 70 years experience
- The knowledge that you’re helping us in our support of Youngcare
The road to recovery after a serious accident can be long. Time away from work,
loss of income and meeting everyday expenses can become an added stress. That’s
why Suncorp CTP is a small price to pay for the additional protection it provides.
FAQ about CTP Insurance
Why do I have to have CTP insurance?
Thousands of people are involved in motor accidents every year. If injured, they'll
need medical attention and often rehabilitation. If someone cannot work as a result
of the accident, they may even need money to live on. CTP insurance was made compulsory
to protect these people who are injured through no fault of their own, and to protect
the individuals from having to pay the cost of these claims from their personal
assets.
Can I change my CTP insurer?
Yes. You can nominate a change of insurer at any time but the change will only come
into effect from the due date for registration renewal.
Are all CTP insurers the same?
Suncorp is Queensland’s favourite CTP insurer. And with good reason.
Suncorp offers more additional cover with our CTP than any other insurer.
Even though CTP Insurance doesn’t cover at-fault drivers, Suncorp recognises that
even good drivers can make mistakes. That’s why we offer Driver Protection Cover
as an additional cover at no extra cost to eligible customers.
Why Youngcare?
We work with injured people and their families every day, trying to find the best
options available for their ongoing rehabilitation and care. That’s why we’re proud
to support Youngcare. This amazing charity is making a real difference to the lives
of young people who need long-term care, many of whom have suffered serious head
injuries as the result of car accidents.
What is Driver Protection Cover?
Our Driver Protection Cover helps to provide peace of mind with additional cover
for eligible at-fault drivers, at no extra cost. The cover includes:
- Up to $2 million in benefits for specific serious injuries to eligible at-fault
drivers, if the vehicle is also comprehensively insured with Suncorp.
- Up to $1 million in benefits for specific serious injuries to eligible at-fault
drivers, where the vehicle is not comprehensively insured with Suncorp and the driver
is aged 25 years or over.
- Access to a lump sum payment of $5,000 which may help pay for upfront costs like
medical and rehabilitation expenses.
To find out more about the terms and conditions that apply to Suncorp Driver Protection
Cover, click
here for a copy of the policy document.
Does CTP insurance cover damage to my vehicle or other property?
No. CTP insurance does not cover damage to any property. To cover yourself for property
damage you will need to arrange separate insurance.
How do I know whether I have CTP insurance?
Your CTP insurance payment is included in the cost of your motor vehicle registration.
If your vehicle is registered in Queensland, you will have CTP insurance. When you
buy any Queensland registered new or used vehicle, the CTP insurance transfers to
you. If it is not registered, you are not covered by CTP insurance.
The "Compulsory Third Party Insurance Information" sheet enclosed with your Registration
Renewal Notice will show your current CTP insurer.
How do I get a new CTP policy?
CTP can be purchased from any of our Queensland branches or our Customer Support
Team on 07 3135 3399. Please note that if the vehicle is unregistered at the time
of purchasing a new CTP policy, the cover to the vehicle will be limited (see below
FAQ "Will purchasing a CTP policy cover me if the vehicle is not registered?).
Can I buy CTP for someone else?
Yes, you can purchase CTP for another person. However, you will need a letter authorising
you to act on their behalf before Queensland Transport will register the vehicle.
Will purchasing a CTP policy cover me if the vehicle is not registered?
Yes, for restricted use only. If you purchase a CTP certificate, you can drive the
vehicle directly to the nearest Safety Certificate Inspection (Roadworthy) station
and directly on to Queensland Transport to register the vehicle. You must carry
the CTP certificate and a completed Application for Registration in the vehicle
with you. No other road use is permitted before the vehicle is registered.
Information
Everything you need to know about Suncorp Driver Protection Cover Policy is included
in the Driver
Protection Cover Policy wording.
Or you can call our CTP hotline 24 hours a day, 7 days a week on 13 11 60.
Looking for CTP Insurance in NSW?
NSW residents can apply for CTP Insurance with GIO (a Suncorp company). Suncorp offers CTP insurance in Qld only.
CTP, Comprehensive Motor Vehicle Insurance and Driver Protection Cover are issued
by Suncorp Metway Insurance Ltd ABN 83 075 695 966.
