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Do I need CTP insurance for my motorcycle?
10 July 2024
You’ve got the chic leather jacket, the protective helmet and goggles, and of course, the shiny new motorcycle. But you’ll need to ensure your motorcycle is registered and covered by CTP insurance before you take it out on the road.
What is CTP insurance?
Compulsory Third Party (CTP) Insurance is attached to the registration of your vehicle; it provides protection to the at-fault driver against compensation claims from people injured in a motor vehicle accident.
In Queensland, every motorcycle must have CTP insurance. When registering a vehicle or renewing your vehicle registration in Queensland, you’ll have the option to select one of three CTP insurers.
If you’re buying a new motorcycle, your motorcycle dealer can usually arrange rego and CTP insurance for you. But remember, you have the right to choose your preferred CTP provider.
Suncorp Insurance is Queensland's largest CTP insurer. We offer a multi-policy discount when you hold three or more eligible policies with us. CTP insurance policies count as an eligible policy, but the CTP policy itself cannot be discounted due to government legislation.
Who does CTP cover?
In Queensland, CTP insurance covers your liability for injuring others in an accident while you're riding your motorcycle. So, if anyone other than you, is injured or dies, CTP will help take care of their compensation claims. This includes other drivers or motorcyclists, your pillion passenger or passengers in other cars, as well as pedestrians or cyclists. CTP insurance also covers anyone who rides your motorcycle for the same.
Do I need other insurance policies too?
It’s important to note that CTP doesn’t cover the cost of damaged vehicles and property, or damage to — or loss of — your own motorcycle following an accident.
To get cover for your motorcycle, you may want to consider one of our levels of Motorcycle Insurance cover. These are:
- Comprehensive;
- Fire, Theft and Third Party Property Damage; and
- Third Party Property Damage
Sidenote: Fire, Theft & TPPD cover your motorcycle for loss or damage from fire or theft, up to your amount covered on your certificate of insurance.
How much does CTP insurance cost?
It varies from person to person. The cost of your premium depends on your vehicle type, the date your CTP insurance is due, and whether you’ll be using your vehicle for private or commercial purposes.
The fastest way to find out how much it’ll cost is to get a quote.
Penalties for riding a motorcycle without CTP insurance
Driving a vehicle – which includes a motorcycle – without CTP insurance is illegal in Australia. Doing so puts you at risk of hefty fines/penalty units and demerit points. Though, specific penalties would depend on your state or territory. You may also become personally liable for the cost of any injury you cause to another person.
Do I need conditional registration for my motorcycle?
You may require conditional registration, depending on what you use your motorcycle for.
In Queensland, conditional registration is for vehicles that don’t comply with standard regulations for registration, and need limited access to roads. This can include off-road motorcycles and trike/quad bikes for agricultural and recreational purposes. You can find out more about Conditional Registration on the Queensland Government website.
For more motorcycle insurance topics, make sure to have a look at the frequently asked questions about motorcycle insurance.
How to get CTP insurance in:
Queensland
Queensland residents can choose from three licensed insurers. You can select Suncorp as your insurer of choice when you register your motorcycle through the Department of Transport and Main Roads (DTMR).
You can also choose to change your CTP insurer at any given time. It will come into effect at your next registration renewal.
Consider switching to Suncorp CTP Insurance
New South Wales
NSW residents can choose from six licensed insurers. CTP greenslip insurance needs to be purchased before you register your vehicle.
Victoria
CTP is bundled together with your registration, so it’s automatically included in the registration fee. You won’t get to pick your insurer because the Victorian government is the only CTP provider in the state.
South Australia
South Australians can choose from five licensed insurers. You can select your preferred insurer when you renew your registration.
Tasmania
CTP is covered by your registration fee. You can’t opt for an insurer, as the Motor Accidents Insurance Board provides CTP insurance in the state.
Western Australia
CTP comes with your vehicle registration under the Motor Injury Insurance scheme.
Northern Territory
CTP is included in your registration fee under the Motor Accidents Compensation (MAC) scheme.
ACT
CTP is referred to as Motor Accident Insurance (MAI) in the ACT. You can choose from one of four insurers when registering your vehicle or renewing your registration with Access Canberra.
- Who makes the most motorcycle insurance claims?
- What you need to know when registering your vehicle in QLD, NSW, SA or the ACT
- What to do when you’re in a not at fault accident that’s caused by someone else
*15% 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.
Insurance is issued by AAI Limited ABN 48 005 297 807 trading as Suncorp Insurance. Read the relevant Product Disclosure Statement before buying any insurance products. Target Market Determination is also available. This advice has been prepared without taking into account your particular objectives, financial situations or needs, so you should consider whether it is appropriate for you before acting on it.
The information is intended to be of a general nature only. We do not accept any legal responsibility for any loss incurred as a result of reliance upon it – please make your own enquiries.
