Compulsory Third Party Insurance

CTP Insurance

How much do you know about your CTP insurance?

More than 300,000 motor vehicles are registered or reregistered in the ACT annually. If you own a motor vehicle, you are required to buy compulsory third-party (CTP) insurance every year as part of the vehicle registration process. 

CTP insurance covers other people (including pedestrians and passengers) injured in a car accident that is found to be your fault or the fault of someone else driving your car.

Without CTP insurance, if you were found to be at fault in a car accident and other people were injured, you would personally be responsible for the compensation costs arising from those injuries, which could amount to many thousands, sometimes hundreds of thousands of dollars. If you could not pay, the injured people could be left without a way to recover their loss and manage their injuries. This is why CTP insurance is compulsory in every state and territory in Australia.

To find out more about how the ACT CTP Insurance Scheme works and what this means for you, please navigate through the pages in the left-hand menu.