Can I cancel my CTP insurance?

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. In Queensland, the Motor Accident Insurance Commission (MAIC) is the regulatory body for CTP insurance in Queensland. If you cancel your vehicle registration with DTMR, you may receive a refund for the unused portion of your registration and CTP premium.

I have Comprehensive Car Insurance – is this different to CTP?

Yes, the difference between CTP Insurance and other kinds of car insurance, such as Comprehensive Car Insurance, lies in the coverage. CTP Insurance covers death or injury to other people caused by you when you are the at fault driver. CTP Insurance doesn't cover property damage to your car or another person’s car, which means you can’t claim for dents, scratches, or write-offs. If you’re looking to cover your car from damage, find out more about our Comprehensive Car Insurance . For more information, see ASIC's guide to different types of car insurance.

What was Suncorp Insurance Driver Protection Cover?

Where negligence can be established, Compulsory Third Party (CTP) Insurance in Queensland pays compensation to people injured or killed in a motor vehicle accident. It covers third parties including passengers, pedestrians, and drivers of other vehicles, but it does not compensate the driver at-fault. Suncorp Insurance Driver Protection Cover (Driver Protection Cover) provided limited benefits for specified serious injuries to eligible at-fault drivers who were injured, or to the driver’s estate or dependants if the driver at-fault was killed, in a motor vehicle accident.

Did I have Driver Protection Cover?

For Suncorp CTP Insurance customers with a policy in place prior to 02/08/2023 Driver Protection Cover was provided at no extra cost with a class 1 (cars and station wagons) or class 6 (trucks, utilities, and vans with GVM <4.5t) vehicle but was not available to drivers under the age of 25.

Why did Suncorp withdraw Driver Protection Cover?

Suncorp had been providing Driver Protection Cover to Queenslanders for over 20 years. Regrettably, it had become unsustainable to continue providing this cover. Cover for severely injured at-fault drivers may be available through the National Injury Insurance Scheme Queensland (NIISQ). For more information regarding coverage of CTP insurance and NIISQ in Queensland, visit the Motor Accident Insurance Commission website www.maic.qld.gov.au or the NIISQ https://niis.qld.gov.au/ .

Can I still make a Driver Protection Cover Claim?

New Suncorp CTP Insurance policies commencing on or after 02/08/2023 You will not have Driver Protection Cover. Existing Suncorp CTP Insurance policies renewing after 01/10/2023 If you were the driver at-fault in an accident which occurs prior to your next registration renewal, you will still be able to make a Driver Protection Cover claim. Your completed claim form must be received within 6 months of the accident.

What if I am injured after my Driver Protection Cover has ceased?

In the event you are the driver at-fault and seriously injured in a motor vehicle accident you may be able to access compensation for care and rehabilitation expenses through the National Injury Insurance Scheme Queensland (NIISQ). For more information on NIISQ please visit www.niis.qld.gov.au .

Are there alternatives to Driver Protection Cover?

There are several insurance products available which provide compensation for accidents and injuries. The Insurance Council of Australia offer a referral service designed to help you find a list of general insurers who offer these products. For more information, please visit www.findaninsurer.com.au .

Suncorp Qld CTP Insurance

Q: Why do I have to have CTP insurance?

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. 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 individual who caused the accident from having to pay the cost of these claims from their personal assets.

Q: Is Qld CTP different or same as other states?

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.

Q: What if I have a CTP Claims Complaint or need to resolve a dispute?

If you have a complaint about our service or our decisions, please contact your Claims Advisor. If they can’t resolve the issue, they’ll refer the complaint to their Leader or delegate who will respond within 5 business days. If you prefer not to do this, or if you are not satisfied with how we handled your complaint, you may seek a request a review by emailing CTPSchemeCustomerSolutions@suncorp.com.au . Motor Accident Insurance Commission (MAIC) The Commission is the government body that oversees Queensland’s CTP scheme. They can give you general information about the claims process. Phone: 1300 302 568 or visit maic.qld.gov.au .

Q: Why did Suncorp withdraw Driver Protection Cover?

Suncorp had been providing Driver Protection Cover to Queenslanders for over 20 years. Regrettably, it had become unsustainable to continue providing this cover. Cover for severely injured at-fault drivers may be available through the National Injury Insurance Scheme Queensland (NIISQ). For more information regarding coverage of CTP insurance and NIISQ in Queensland, visit the Motor Accident Insurance Commission website www.maic.qld.gov.au or the NIISQ https://niis.qld.gov.au/ .

Q: Can I still make a Driver Protection Cover Claim?

New Suncorp CTP Insurance policies commencing on or after 02/08/2023 You will not have Driver Protection Cover. Existing Suncorp CTP Insurance policies renewing after 01/10/2023 If you were the driver at-fault in an accident which occurs prior to your next registration renewal, you will still be able to make a Driver Protection Cover claim. Your completed claim form must be received within 6 months of the accident.

Q: What if I am injured after my Driver Protection Cover has ceased?

In the event you are the driver at-fault and seriously injured in a motor vehicle accident you may be able to access compensation for care and rehabilitation expenses through the National Injury Insurance Scheme Queensland (NIISQ). For more information on NIISQ please visit www.niis.qld.gov.au .

The CTP Insurance that protects more Queensland families

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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.

Been injured in an accident? 3 things you should know

If you were injured in a motor vehicle accident in Queensland that was the fault of another vehicle owner or driver insured by Suncorp CTP Insurance, you can lodge a CTP claim directly with our Customer Concierge Team. They will explain the claims process and answer any questions you may have. You do not require legal representation to make a CTP claim. However, if you choose to be legally represented on a speculative (‘no win, no fee’) basis, your lawyer is allowed by law to charge up to 50% of your entitlement*, excluding applicable statutory refunds (e.g. to Medicare) and disbursements (e.g. fees for medical reports).

*Your entitlement means your damages plus that part of your legal costs payable by Suncorp.
If your claim is lodged and accepted, we cover treatment and rehabilitation expenses recommended by your registered medical practitioner, to help you recover from the injuries you sustained in the accident.
We aim to support you through your CTP claims journey and ensure you receive reasonable and appropriate compensation for your injuries.

If I'm the at-fault driver, what am I covered for?

CTP Insurance covers your liability for injuring others in an accident while you're behind the wheel. So, if anyone other than you is injured or dies — whether it's other drivers, passengers in your car or in other cars, pedestrians, cyclists or motorcyclists — CTP helps take care of their compensation claims.

If the injured person is unable to work, or needs medical treatment, your CTP insurer pays them out a lump sum. This is designed to help cover their medical and rehabilitation treatment, as well as any loss of income related to the accident.

If you've sustained life-changing, serious injuries in a motor vehicle accident, you may be eligible to receive support through the National Injury Insurance Scheme, Queensland (NIISQ) — regardless of who's at fault.

Important Notice: Suncorp Insurance has withdrawn Driver Protection Cover for eligible CTP policies commencing on or after 2 August 2023.
Find out more.

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Is your vehicle registered in Queensland?

Yes

Vehicle type

You have selected a vehicle type that isn’t included in the above categories. To see Suncorp CTP premiums for all vehicle types please open the relevant document below.

For any enquiries please contact 13 11 60 (9am - 5pm, Mon - Fri)

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But you can still switch to Suncorp and join over 1 million customers who enjoy the value and added benefits that Suncorp offers. If you decide to proceed, the Department of Transport and Main Roads will send you a confirmation of your switch to Suncorp CTP Insurance, effective from your next registration renewal.

for a period of

To establish 3 months vehicle registration contact the Department of Transport on 13 23 80 or visit their website https://www.qld.gov.au/transport/registration.

To establish 1 month vehicle registration contact the Department of Transport on 13 23 80 or visit their website https://www.qld.gov.au/transport/registration.

If your vehicle is not currently registered and you would like to purchase Suncorp CTP Insurance please call 13 11 60. If your vehicle is already registered in Qld please select "Switch to Suncorp".

Switch to Suncorp

For information on how to purchase Suncorp CTP Insurance please click here. Alternatively, you can call our CTP team on 13 11 60 Monday to Friday between 9am – 5pm for assistance over the phone.

Moving to Queensland?

You may need to purchase a CTP Certificate before you can register your vehicle in Queensland.

Find out more

Why choose Suncorp Insurance for your CTP?

Suncorp Insurance cares about Queensland drivers. That’s why we offer you more than just basic cover.

Queensland-based CTP Claims Customer Concierge to guide you through lodging your claim.

Queensland’s largest CTP insurer with over 1 million customers.

A CTP Insurance policy counts towards a multi-policy discount².

We appreciate privacy is important to you and we are committed to protecting your personal information.
For further information, please refer to our CTP Privacy Statement and Suncorp Group Privacy Policy.

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Whether you're at fault or not, we’re here to help.

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You may be eligible for a multi-policy discount

If you've got two other eligible Suncorp Insurance policies and you take out Suncorp CTP Insurance, you can enjoy a multi-policy discount. Your CTP Insurance won’t be discounted, but you can get 15% off the other two policies.²

Comprehensive Car Insurance

Covers your car for accidental loss or damage and your liability for damage to other people’s cars and property, with the added peace of mind of a lifetime guarantee on repairs that we authorise and arrange.

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Home & Contents Insurance

Cover your home and your household stuff inside it in case of damage caused by an insured event, such as fire, flood, storm or theft.

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Insights and stories

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What is CTP and why do Queenslanders have it?

No matter whether you are driving in the CBD or in outback Australia, you need CTP Insurance. But what is it? Read about it here to protect yourself and those around you.

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Whether you have bought a new car and need insurance, or your existing policy has run out, we list the types of insurance available to you and what you will need – Read More

Working from home: How to save on car insurance

Your community’s health is the main reason to stay home during COVID-19, but there may be other silver linings. Find out how isolating can help you save on Suncorp Comprehensive Car Insurance.

What is roadside assistance and why do you need it?

Wondering about roadside assistance, and whether or not it’s something you need? Check out our guide – read more.

Top 5 tips for planning a road trip in Australia

Don’t turn your ignition before getting prepared. Here’s a few things to keep in mind when you plan a road trip!

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.

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.

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

If you have a complaint about our service or our decisions, please contact your Claims Advisor. If they can’t resolve the issue, they’ll refer the complaint to their Leader or delegate who will respond within 5 business days.

If you prefer not to do this, or if you are not satisfied with how we handled your complaint, you may seek a request a review by emailing CTPSchemeCustomerSolutions@suncorp.com.au.

Motor Accident Insurance Commission (MAIC)

The Commission is the government body that oversees Queensland’s CTP scheme. They can give you general information about the claims process. Phone: 1300 302 568 or visit maic.qld.gov.au.

²15% Multi Policy Discount: Combine 3 or more eligible products with us and you could qualify for a 15% Multi-Policy Discount. Eligible policies are Suncorp Home, Contents, Landlord, Car, Motorcycle, Caravan (including trailer), Motorhome and Boat. Suncorp Qld CTP Insurance counts as an eligible policy, but it cannot be discounted due to government regulations. Refer to the relevant motor or home Additional Information Guide for more details. Discounts do not apply to Suncorp Roadside Assist, Suncorp Insurance Home Assist and Excess-free Glass optional covers. View full terms and conditions.