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?
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.
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.
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.
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.
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 PED 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.