Suncorp QLD CTP Insurance

The CTP Insurance that protects more Queensland families

Switch and get a $30 eftpos gift card

Enjoy great deals and savings at over 100 retailers with Suncorp Benefits

What is CTP Insurance?

Compulsory Third Party (CTP) Insurance is attached to the registration of your vehicle and provides protection to the at-fault driver against compensation claims from people injured in a motor vehicle accident.

So, if you’re the at-fault driver in a motor accident, CTP Insurance covers you against compensation claims made by people you have injured. These people include anybody injured as a result of the accident (except you if you’re the at-fault driver) who could be other drivers, passengers in your car and other vehicles, pedestrians, cyclists, and motorcyclists. If the person you have injured is unable to work, or needs medical treatment, your CTP insurer pays them out a lump sum that can cover their medical and rehabilitation treatment and/or loss of income related to the accident.

View conditions & disclaimers

What does CTP Insurance cover?

When you choose Suncorp CTP Insurance, you get a good deal more for your money.

Driver Protection Cover (DPC) that comes with:

Up to $2 million in benefits for specified serious injuries to eligible at-fault drivers if the car is also comprehensively insured with Suncorp Insurance (or up to $1 million in benefits where the car is not comprehensively insured with Suncorp Insurance)

Access to an advisory team of health care and rehabilitation professionals.

A $5,000 lump sum 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.

An efficient claims process with over 70 years experience.

The knowledge that you're helping us in our support of Youngcare

Get a Quote

Product Disclosure Statement

It's essential that you read the General Insurance Transfer Queensland CTP insert and Driver Protection Cover Policy wording for more details

Insights and stories

Showing 3 of 5 articles Showing 2 of 5 articles Showing 1 of 5 articles

Buying a new car? Petrol or Diesel: which is best for you?

You’ll generally find that to buy a diesel-powered car attracts a higher sale price than petrol-powered cars. But are diesel cars still better value in the long run?

VIDEO: Scratches And Dents - Simple Car Repair Options

There’s nothing more annoying than minor damage to your car. In this video we look at a range of solutions that can provide a quick and cost effective repair to your vehicle.

Considering a new car? Read this before you walk into the dealership

The car dealership: home of the sharply-suited salesman trying to sell you a car before you can walk out the door. Is it really like this?

How to negotiate buying a car

Learn how to negotiate a better price when buying a car - get your car for a better price so you have money left over in your budget.

5 Driving Tips to Remember When You’re Behind the Wheel

Whether you have been driving for decades or days, it’s important to reflect on how you are driving and consider what you can do better.

Frequently Asked Questions

Thousands of people are involved in motor vehicle accidents every year. If injured, they'll need medical attention and often rehabilitation. CTP Insurance covers you by providing compensation to other people injured in a motor vehicle accident caused by a negligent driver. Those 'other people' could be other drivers, passengers (in your car and other vehicles), pedestrians, cyclists and motorcyclists - basically anybody hurt as a result of the accident, except you, if you're the at fault driver.

CTP insurance is compulsory and is included with your vehicle registration. Therefore, if you cancel the registration of your vehicle with the Department of Transport and Main Roads (DTMR), your CTP insurance is cancelled at the same time.

Despite what a lot of people think, it's actually quite easy to switch your CTP insurer. For Queensland CTP, you can switch to Suncorp CTP today – it’s easy and takes only a couple of minutes.

Our Driver Protection Cover provides you with some cover for eligible at-fault drivers injured in a car accident, 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 Insurance.
Up to $1 million in benefits for specific serious injuries to eligible at-fault drivers, where the vehicle is not comprehensively insured with Suncorp Insurance.
Access to a lump sum payment of $5,000 which may help pay for upfront costs like medical and rehabilitation expenses.

In QLD, your CTP Insurance is included in your rego, and covers the same period of time your rego does. This means every time you renew, you remain covered. When you complete your rego, you also have the option to select a different CTP insurer from your last, such as a provider like Suncorp Insurance. In other states of Australia, CTP Insurance is purchased in different ways. Check with your relevant state or territory department of transport for more information.

Most CTP Insurance is the same, however Suncorp Insurance offers additional Driver Protection Cover with our CTP Insurance at no extra cost to eligible customers.

Yes, the difference between CTP Insurance and other kinds of car insurance, such as Comprehensive Car Insurance, lies in the coverage.

The National Injury Insurance Scheme Queensland

The National Injury Insurance Scheme Queensland (NIISQ) was introduced by the state government on 1 July 2016. The scheme provides financial support for the treatment and care to people who sustain life-changing, serious injuries in a motor vehicle accident, regardless of who’s at fault. NIISQ does not, however, provide compensation for emotional trauma or loss of income experienced as a result of an accident.

As Queensland's largest CTP insurer, Suncorp Insurance understands that even good drivers make mistakes, that's why we will continue to offer Driver Protection Cover (DPC) alongside the introduction of NIISQ. For eligible customers, DPC provides compensation for specific serious injuries caused to the eligible at-fault driver* of a motor vehicle accident when they have Suncorp Insurance CTP. These payments can help ease those financial burdens that aren't covered by NIISQ. For further information please refer to the National Injury Insurance Scheme Queensland.