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.
Insights and stories
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)
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.