Ctp Insurance: Queensland Vehicle Registration

In Queensland, the registration fee includes the premium for Compulsory Third Party (CTP) insurance. Motorists can choose a CTP insurer when they register their vehicle or renew their registration. CTP insurance is mandatory in Queensland and covers the cost of third-party compensation claims in the event of an accident causing injury. It is important to note that CTP insurance does not cover damage to vehicles or property.

Queensland CTP insurance covers third-party compensation claims

Queensland law requires all motor vehicles to have Compulsory Third-Party (CTP) insurance before driving on Queensland roads. CTP insurance is included in the registration fee for vehicles in Queensland.

CTP insurance covers the cost of third-party compensation claims if you or anyone driving your car causes an accident in which someone else is injured. This includes other drivers, passengers, pedestrians, cyclists, and motorcycle riders. It is important to note that CTP insurance does not cover damage to your or anyone else's vehicle or property.

When registering your vehicle in Queensland, you can choose your CTP insurance provider and include the premium in your registration quote. You can also switch CTP insurance providers at any time, but the change will only take effect at the start of your next registration period.

CTP insurance is designed to protect drivers from financial liability if they injure or kill another person in an accident. It covers the cost of compensation payments for people injured or killed and helps to protect the injured person from ongoing medical and hospital costs, general damages, and loss of income. In the case of severe injuries, CTP insurance provides ongoing care for the injured person, which may be for the rest of their life.

CTP insurance is mandatory in Queensland

When registering a vehicle in Queensland, you must nominate a CTP provider. If you purchase a brand new, unregistered car, you must advise your dealer of your choice of CTP insurer. If your CTP insurance is due for renewal, you can choose your CTP insurer as long as the registration is not past the due date shown on the Renewal Notice.

CTP insurance covers the cost of third-party compensation claims if you or anyone driving your car causes an accident in which someone else is injured. This includes other drivers, passengers, pedestrians, cyclists, and motorcycle riders. It is important to note that CTP insurance does not cover damage to cars or property due to an accident.

The Queensland Government legislated in 1936 to make CTP insurance compulsory and protect people injured due to the actions of negligent drivers. CTP coverage aims to protect the injured person from ongoing medical and hospital costs, general damages, and loss of income. In severe cases, CTP insurance covers the ongoing care of the injured person for their lifetime.

You can choose a CTP insurer when registering your car

When registering your car in Queensland, you can choose a Compulsory Third-Party (CTP) insurance provider. CTP insurance is mandatory for all motor vehicles in Queensland, and you will need to nominate a CTP provider when registering your car.

You can purchase CTP insurance from any of Queensland's licensed CTP insurers or when you register your vehicle through the Department of Transport and Main Roads (DTMR). When choosing your insurer, you can consider additional benefits and incentives that may be offered by some insurers. You can also use the Department's unregistered vehicle permit page to organise an unregistered vehicle permit and CTP insurance for unregistered vehicles, motorcycles, trailers, or caravans.

If you are buying a new, unregistered car, you should advise your dealer of your choice of CTP insurer. If your CTP insurance is due for renewal, you can choose your CTP insurer as long as the registration is not past the due date shown on the Renewal Notice. You can switch to a new CTP insurer, such as QBE, by calling them or referring to the back of the Vehicle Registration Notice for payment and selection options.

If your car is currently registered interstate, you can select a new CTP insurer when you register your car in Queensland. If your car is currently unregistered, you can also choose your CTP provider by contacting your chosen insurer.

Remember, all motor vehicles in Queensland must have CTP insurance before driving on Queensland roads.

CTP insurance doesn't cover damage to vehicles or property

In Queensland, CTP insurance is attached to the registration of your vehicle. You can choose to include CTP insurance when registering your vehicle if you do not already have it. All motor vehicles must have CTP insurance before driving on Queensland roads.

CTP insurance, or Compulsory Third Party insurance, is a type of personal injury insurance that provides compensation to people who have been injured or killed in a car accident. It does not cover damage to vehicles or property. This includes damage to your own vehicle, other people's vehicles, or other property.

CTP insurance covers the liability of other people who drive your vehicle for injuries caused to third parties in a motor vehicle accident. It also covers medical treatment and expenses, as well as payment for lost income. If a person dies as a result of the accident, their family members may be able to claim compensation for funeral expenses.

If you want insurance protection to cover vehicle damages, you will need to purchase comprehensive or third-party property insurance in addition to your CTP insurance.

You can switch CTP providers at any time

When registering your vehicle in Queensland, you can choose your Compulsory Third Party (CTP) insurance provider. CTP insurance is mandatory and covers the cost of third-party compensation claims if you or anyone driving your car causes an accident where someone else is injured.

To switch CTP providers, you will need to follow these steps:

• Choose your preferred insurer: When selecting your new insurer, you may want to consider any additional benefits or incentives offered by different insurers. You can use the CTP premium calculator to compare these benefits and contact the insurer for more information on their CTP insurance product.
• Find out the new fee: You can calculate the new fee for changing CTP insurers by using the CTP premium calculator or by contacting your preferred CTP insurer.
• Make the change: You can change your CTP provider at any time of the year, but the process depends on whether you have received your renewal certificate. If you have received your registration renewal notice, you can change your insurer by renewing your registration online or by phone. You will need to provide your identity details, and the change must be received by the Department of Transport and Main Roads (DTMR) on or before the expiry date on the registration renewal notice for it to be effective for that renewal. If you have not yet received your registration renewal notice, you can change your CTP insurer online or by phone, providing your driver's licence number and date of birth for confirmation. Alternatively, you can complete a CTP insurance nomination form or write to your local DTMR branch, providing the relevant information.

It is important to note that CTP insurance only covers claims against you for injuries to third parties in an accident and does not cover damage to cars or property.

Frequently asked questions