Frequently asked questions about 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.

Despite what a lot of people think, it's actually quite easy to switch your CTP insurer.

So if you make the switch to us now, Suncorp will appear as your nominated CTP Insurer when you receive your next rego renewal notice. And you'll have the peace of mind that comes from being with Queensland's favourite CTP insurer.

Suncorp is Queensland's largest CTP insurer.

Suncorp Insurance offers more additional Driver Protection Cover with our CTP Insurance than any other insurer at no extra cost to eligible customers.

We work with injured people and their families every day, trying to find the best options available for their ongoing rehabilitation and care. That's why we're proud to support Youngcare. This amazing charity is making a real difference to the lives of young people who need long-term care, many of whom have suffered serious head injuries as the result of car accidents.

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.

Your CTP insurance payment is included in the cost of your motor vehicle registration. If your vehicle is registered in Queensland, you will have CTP insurance. When you buy any Queensland registered new or used vehicle, the CTP insurance transfers to you. If your vehicle is not registered, you are not covered by CTP 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.

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.

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.