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Suncorp QLD CTP Insurance

The CTP Insurance that protects more Queensland families

We all worry about protecting our cars, but what about your loved ones inside?

Suncorp CTP Insurance is dedicated to protecting your loved ones by providing compensation to other people injured in an accident, including passengers in your car, where you’re the at-fault driver. Plus with our Driver Protection Cover, if you’re the injured at-fault driver you could be eligible for up to $2 million in benefits for specified serious injuries provided the car is comprehensively insured with Suncorp Insurance.

Switching only takes a few minutes and you don't need to wait until your rego is due. In addition, when you combine any 3 or more eligible policies with Suncorp Insurance, you'll be eligible for our 15% Multi Policy Discount1.

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.

Do you need CTP Insurance?

Yes – CTP insurance is compulsory. It protects people who are injured as a result of a motor vehicle accident by providing compensation to them or their family.

CTP Insurance also protects the individual who caused the accident from having to pay any compensation out of their own pocket.

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

This is just a summary

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

Different state, different CTP Insurance - make sure you're covered

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.

Don't mix up CTP and Comprehensive Car Insurance

The difference between CTP Insurance and other kinds of car insurance, such as Comprehensive Car Insurance, lies in the coverage. See ASIC’s guide to different types of car insurance. CTP Insurance covers death or injury to other people caused by you when you are driving your vehicle. 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.

Make the switch to Suncorp CTP Insurance today in just a few minutes online

Check if you already have Suncorp CTP Insurance

Complete the nomination form online, so we know you have made the switch to Suncorp Insurance

Switch Now Get a Quote

Department of Transport and Main Roads will send you a confirmation of your switch to Suncorp CTP Insurance.

Your Suncorp CTP Insurance will be effective from your next registration renewal.

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.

Frequently Asked Questions