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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.
Why choose Suncorp for your CTP?
Suncorp Insurance cares about Queensland drivers. That's why we offer you more than just basic cover.
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.
With Driver Protection Cover, you’re covered for up to $2 million in benefits for specified serious injuries if your car is also comprehensively insured with Suncorp Insurance (or up to $1 million if it isn't).
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.
Get a quote in less than a minute
You should read the Driver Protection Cover Policy wording for more info.
Moving to Queensland?
You may need to purchase a CTP Certificate before you can register your vehicle in Queensland.
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.
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.
Insights and stories
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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.
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
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.
Wondering about roadside assistance, and whether or not it’s something you need? Check out our guide – read more.
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.
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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.
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 handle 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.
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.
*The $40 gift card offer is only valid for QLD registered vehicles currently not with Suncorp CTP Insurance. The vehicle must be either a Class 1 (cars and station wagons) or Class 6 (trucks, utilities and vans, including panel vans with a GVM of 4.5t or less).
^DPC is available on Class 1 & 6 vehicles only. DPC is not available to drivers under the age of 25. Other conditions apply. Read the DPC policy wording for full details.
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.
10% discount can only be applied at New Business or at Renewal when the rated driver is under the age of 25 years. Does not apply to the Roadside Assist portion of your premium.
