Frequently asked questions about QLD Compulsory Third Party (CTP)
Yes, the difference between CTP Insurance and other kinds of car insurance, such as Comprehensive Car Insurance, lies in the coverage.
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.
Your CTP insurance payment is included in the cost of your motor vehicle registration.
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.
If you experience a problem, are not satisfied with our products or services or a decision we have made, please visit our Customer Relations & Complaints page to access more information.
If your CTP Insurance is with Suncorp Insurance, and you caused the accident, you will need to complete a Notice of Accident Form.
If you have sustained a serious injury, you may be eligible to claim for Driver Protection Cover benefits. For full details of the cover that is available and the conditions that apply read the Driver Protection Cover Policy wording.
Please call to talk to a friendly CTP claims specialist on 13 11 60.
Reporting the accident to the police is part of the process for lodging a CTP claim. Please complete a Report of Traffic Incident to Police Form and take it to your local police station or a police station near where the accident happened.
A serious personal injury is a life-changing injury suffered as a result of a motor accident that leaves a person with a permanent disability, requiring assistance in their everyday life. The NIISQ - National Injury Insurance Scheme Queensland - helps support victims of such injuries.
The physical, emotional, and financial strains of a serious personal injury on an individual and their family can be devastating, and the cost of care for a seriously injured person over their lifetime can be in the millions of dollars.
Serious personal injuries include:
- permanent spinal cord injuries
- severe burns
- traumatic brain injuries
- permanent blindness, and
- multiple amputations.
If you’re the relative or dependant of a person who lost their life due to a motor vehicle accident in which they weren’t at fault, notify us via the Notice of Accident Claim Form (Fatal). This will enable us to help support you through this difficult time.