Compulsory Third Party insurance is mandatory in every Australian state and territory. Compare CTP providers in NSW and QLD, or learn how your state's scheme works. Green Slips, TAC, MAIC and more - all explained.
Understanding Australia's only compulsory motor vehicle insurance and how it works in your state.
Compulsory Third Party (CTP) insurance covers personal injury to other road users if you are at fault in a motor vehicle accident. It is the only form of motor vehicle insurance that is mandatory in Australia - every registered vehicle must have CTP cover.
CTP goes by different names depending on your state:
Important: CTP insurance covers personal injury only. It does not cover damage to vehicles, property, or theft. For vehicle and property damage, you need separate voluntary insurance such as comprehensive, third party property, or third party fire and theft cover.
Note: CTP is separate from all other forms of motor insurance. Even with CTP in place, you are not covered for damage to your own vehicle or anyone else's property. CTP exists solely to ensure that people injured in motor vehicle accidents have access to medical treatment, rehabilitation, and financial support.
CTP insurance operates under three different models in Australia. The scheme in your state determines whether you can choose your provider.
In New South Wales and Queensland, CTP operates as a competitive market. You can choose from multiple licensed insurers and compare prices before purchasing.
In NSW, you buy a Green Slip from providers such as AAMI, Allianz, GIO, NRMA, QBE, or Youi. In QLD, you purchase CTP through the MAIC-regulated market from Suncorp, RACQ, Allianz, QBE, or AAMI.
Because you have a choice of provider, it is worth comparing prices and checking what at-fault driver protections are included.
In most states and territories, CTP is a government-run monopoly included in your vehicle registration fee. You have no choice of provider.
VIC: The TAC operates a no-fault scheme covering all road users. SA: The MAC/CTP Fund manages CTP. WA: ICWA administers motor injury insurance. TAS: MAIB runs the scheme. NT: MACA manages CTP through TIO.
In these states, CTP is automatically included when you pay your vehicle registration - no separate purchase is required.
The Australian Capital Territory sits between the two models. The MAI Commission regulates CTP (known as MAI insurance), and there is limited provider choice available when registering your vehicle.
The ACT moved to a defined benefits scheme in 2019, which provides set benefits for common injuries regardless of fault.
In NSW and QLD, you can shop around for CTP. Here are the key factors worth considering when comparing providers.
CTP premiums can vary by $100 or more between providers in the same state for the same vehicle and driver profile. In NSW, use the Green Slip Price Check calculator maintained by SIRA. In QLD, compare via the MAIC CTP premium calculator.
Some CTP providers offer optional at-fault driver protection that covers your own injuries if you cause the accident. This is not included in basic CTP and may be worth considering if you want broader personal injury cover. Check whether your provider offers this as an add-on.
Consider the insurer's claims handling reputation. Read reviews about how providers manage injury claims, response times, and support services. A CTP claim can be a lengthy process, so the quality of claims support matters.
Look at customer satisfaction ratings and complaint data. The Australian Financial Complaints Authority (AFCA) publishes complaint statistics by insurer. You can also check insurer financial strength through APRA.
A state-by-state breakdown of how CTP insurance works across Australia.
| State | Scheme Name | Type | Regulator | Providers / Choice? | Indicative Cost Range |
|---|---|---|---|---|---|
| NSW | Green Slip | Competitive | SIRA | Multiple providers (AAMI, Allianz, GIO, NRMA, QBE, Youi) | ~$400 - $800/yr |
| VIC | TAC | Government monopoly | TAC | No choice (included in rego) | ~$500 - $600/yr |
| QLD | CTP | Competitive | MAIC | Multiple providers (Suncorp, RACQ, Allianz, QBE, AAMI) | ~$300 - $600/yr |
| SA | CTP Fund | Government | ReturnToWorkSA / MAC | No choice (included in rego) | ~$350 - $500/yr |
| WA | Motor Injury Insurance | Government | ICWA | No choice (included in rego) | ~$300 - $450/yr |
| TAS | Motor Accidents Insurance | Government | MAIB | No choice (included in rego) | ~$300 - $400/yr |
| ACT | CTP / MAI | Competitive (limited) | MAI Commission | Limited choice | ~$400 - $600/yr |
| NT | MACA | Government | TIO / MACA | No choice | ~$350 - $500/yr |
Note: All costs shown are indicative only and based on publicly available schedule data as of early 2026. Actual CTP premiums depend on vehicle type, driver age, location, and other factors. In government-run schemes, the CTP component is bundled into vehicle registration fees. Always check with your state regulator for current pricing.
These providers operate in competitive CTP markets (NSW and QLD), where you can choose your insurer and compare prices. In other states and territories, CTP is included in vehicle registration with no provider choice.
NRMA is one of NSW's largest Green Slip providers, backed by IAG. Known for straightforward online purchasing and competitive pricing for standard vehicles and drivers.
AAMI offers CTP insurance in both NSW (Green Slips) and QLD. Owned by Suncorp Group, AAMI is one of Australia's most recognised insurance brands with a strong online presence.
Suncorp is a major QLD-based CTP provider. As one of Queensland's largest insurers, Suncorp offers competitive CTP pricing and strong local claims support.
RACQ is Queensland's member-owned motoring club and a major CTP provider in the state. Commonly chosen by QLD motorists who are already RACQ members for roadside assist and other services.
Allianz is a global insurer operating in both the NSW Green Slip and QLD CTP markets. Backed by one of the world's largest insurance groups, Allianz offers CTP as part of a broader motor insurance offering.
QBE is an Australian-headquartered global insurer offering CTP in both NSW and QLD. QBE is commonly chosen by fleet operators and business vehicle owners alongside personal CTP.
CTP covers personal injury to other road users. Here is a breakdown of the typical benefits available under CTP schemes across Australia.
| Cover Component | What It Includes | Notes |
|---|---|---|
| Medical Expenses | Hospital, surgery, GP visits, specialist consultations, medication, and allied health (physio, psychology, etc.) | Covers reasonable and necessary treatment related to the motor accident. Some states have defined benefit limits for minor injuries. |
| Rehabilitation | Physiotherapy, occupational therapy, vocational rehabilitation, and return-to-work programs | All states prioritise rehabilitation and early return to function. Treatment must be related to the accident injury. |
| Lost Income | Weekly income replacement while unable to work due to accident injuries | Typically a percentage of pre-accident earnings (e.g. 80-95%). Duration and caps vary by state and injury severity. |
| Death Benefits | Lump sum payment and/or ongoing support to dependants of a person who dies from accident injuries | Benefits vary by state. May include funeral expenses and ongoing dependency payments. |
| Ambulance Transport | Emergency ambulance and medical transport costs | Covered in most CTP schemes. Some states (e.g. QLD) provide ambulance cover through a separate levy. |
| Attendant Care | Personal care and domestic assistance for people with serious injuries | For injuries requiring ongoing assistance with daily living. Assessment and approval required. |
| Funeral Expenses | Reasonable funeral and burial or cremation costs | Covered as part of death benefits. Amount varies by state scheme. |
Note: The specific benefits, caps, and eligibility criteria vary between states. Some states (e.g. VIC under TAC) operate no-fault schemes where all injured road users can access benefits regardless of who caused the accident. Others (e.g. QLD) are primarily at-fault schemes where you claim against the at-fault driver's CTP insurer.
Understanding what is not covered by CTP is essential. CTP is a narrow form of cover focused solely on personal injury.
CTP does not cover damage to any vehicle - not yours, not the other driver's. For vehicle damage, you need comprehensive or third party property insurance. This is the most common misconception about CTP.
Damage to fences, buildings, poles, or any other property is not covered by CTP. Third party property insurance or comprehensive cover is needed for property damage caused by your vehicle.
CTP does not cover theft of your vehicle or any belongings inside it. Comprehensive or third party fire and theft insurance covers vehicle theft.
In most states, basic CTP does not cover the at-fault driver's own injuries. This varies by state - Victoria's TAC no-fault scheme covers all road users, while NSW and QLD have more limited at-fault driver cover. Some providers offer optional at-fault driver protection.
If you drive an unregistered vehicle (without CTP) or drive without a valid licence, your CTP cover may not apply. You could be personally liable for any injuries caused. Injured parties may still claim through the state's nominal defendant scheme.
Driving under the influence of alcohol or drugs may affect your CTP benefits. While the injured third party's claim is usually still paid, the insurer or state authority may seek to recover costs from the intoxicated driver.
CTP premiums are influenced by several factors, though the level of variation depends on your state's scheme.
The type and class of vehicle significantly affects CTP cost. Motorcycles, taxis, and heavy vehicles typically pay higher premiums than standard passenger cars due to higher injury risk profiles.
Younger drivers (under 25) generally pay higher CTP premiums due to higher accident rates. In competitive markets, the age of the vehicle owner or principal driver is a key pricing factor.
Where your vehicle is garaged affects CTP cost. Urban areas with higher traffic density and accident rates tend to attract higher premiums than rural areas. In NSW, postcode is a significant pricing factor.
How the vehicle is used matters. Private use typically costs less than business use. Vehicles used for rideshare, delivery, or commercial purposes may attract higher CTP premiums.
In some states and with some providers, demerit points or traffic offences on your record can increase your CTP premium. This is more relevant in competitive markets like NSW and QLD.
The biggest factor in CTP cost is which state you are in. Government monopoly schemes set fixed prices based on vehicle class. Competitive markets (NSW, QLD) allow price variation between providers.
Indicative annual CTP costs for a standard passenger vehicle. Actual costs vary by vehicle type, driver profile, and specific state pricing schedules.
What affects CTP pricing? Vehicle type is the single biggest factor within each state. Motorcycles, taxis, hire cars, and heavy vehicles pay significantly more than standard passenger cars. In competitive markets (NSW, QLD), your age, postcode, and driving history also affect your premium. Use your state's official calculator for an accurate estimate.
Disclaimer: All costs shown are estimates based on publicly available data and typical standard passenger vehicle profiles. Actual CTP premiums vary. In government-run schemes, CTP is bundled into registration fees and may not be separately itemised. These figures are not quotes.
In states with competitive CTP markets, there are practical steps that may help reduce your CTP costs.
In NSW, use the SIRA Green Slip Price Check to compare all licensed providers for your vehicle. In QLD, use the MAIC CTP calculator. Prices can vary by $100 or more between providers for the same vehicle.
Some CTP providers offer optional at-fault driver protection that covers your own injuries if you cause an accident. Consider whether this add-on is worth the extra cost for your situation, or whether your existing health insurance and income protection cover the gap.
CTP premiums are based on vehicle class. Make sure your vehicle is correctly classified - if your vehicle class changes (e.g. from business to private use), your CTP premium may decrease. Contact your state regulator if you believe your vehicle is incorrectly classified.
In NSW and QLD, CTP renewal is tied to your vehicle registration. Compare prices before your renewal date rather than auto-renewing with the same provider. Some providers may offer slightly different pricing at different times.
If you are injured in a motor vehicle accident, here is the general process for making a CTP claim.
Report the accident to police, especially if there are injuries. In most states, you are legally required to report accidents involving injury. Obtain a police event number or report reference.
Get medical treatment as soon as possible, even if injuries seem minor. Medical records from immediately after the accident are important for your CTP claim. Keep all receipts and records of treatment.
You need to lodge your claim with the CTP insurer of the at-fault vehicle. In NSW, check the SIRA register. In VIC, all claims go to the TAC regardless of fault. In QLD, contact the at-fault vehicle's CTP insurer or MAIC for guidance.
Complete the CTP claim form for your state. You will need to provide details of the accident, your injuries, medical evidence, and information about lost income. There are time limits for lodging claims - typically 6 months in most states, though this can be extended in some circumstances.
The CTP insurer or authority will assess your claim and determine your entitlements. This may include statutory benefits (set benefits for defined injuries) and, in some states, common law damages for more serious injuries. You may wish to seek legal advice, particularly for serious injuries. AFCA can assist with complaints about the claims process.
Important context about CTP insurance, recent reforms, and how the Australian system works.
CTP schemes have undergone significant reforms across Australia. NSW moved to a hybrid no-fault/at-fault system in 2017 under the Motor Accident Injuries Act 2017, replacing the previous fully at-fault scheme. This introduced statutory benefits for all injured people (regardless of fault) for the first 26 weeks, with ongoing benefits available through common law for those with more serious injuries. QLD has largely retained its common law-based system regulated by MAIC.
No-fault schemes (e.g. VIC's TAC) provide benefits to all injured road users regardless of who caused the accident. At-fault schemes (e.g. traditional QLD) require the injured person to prove another driver was at fault before receiving compensation. Hybrid schemes (e.g. NSW since 2017) provide basic statutory benefits regardless of fault, with additional common law rights for serious injuries where fault can be established.
SIRA (State Insurance Regulatory Authority) regulates NSW Green Slips and sets pricing guidelines. MAIC (Motor Accident Insurance Commission) regulates QLD CTP and manages the nominal defendant fund. The TAC (Transport Accident Commission) is both the regulator and sole provider in Victoria, operating a no-fault scheme that covers all road users.
One of the most common misunderstandings in Australian motor insurance is the difference between CTP and comprehensive cover. CTP covers personal injury only - it has nothing to do with vehicle or property damage. Comprehensive insurance covers vehicle and property damage. Many drivers incorrectly believe their CTP (or registration) covers their car in an accident. It does not. You need separate voluntary insurance for vehicle damage cover.
Key recent changes include NSW's 2017 CTP reform introducing defined benefits, the ACT's 2019 move to a Motor Accident Injuries (MAI) scheme with defined benefits, and ongoing premium adjustments across government-run schemes. All state regulators publish annual reports on scheme performance. For the latest updates, check your state regulator's website or visit Moneysmart's car insurance guide from ASIC.
What to look for in your CTP certificate and policy documentation.
When you purchase CTP (in NSW or QLD), you receive a certificate of insurance confirming your cover. This document shows the vehicle covered, the policy period, the insurer, and the type of cover. Keep this certificate with your vehicle registration documents.
Your CTP policy or certificate will outline what personal injury benefits are available under your state's scheme. In competitive markets, review the ASIC-compliant Product Disclosure Statement (PDS) if one is provided. Government schemes publish their benefit schedules on their websites.
Each state defines the statutory benefits available under CTP. These are set amounts or formulas for calculating compensation for different injury types. In NSW, SIRA publishes the benefits schedule. In QLD, MAIC sets out the claims framework.
As a vehicle owner, you must maintain current CTP insurance (either by purchasing it separately or keeping your registration current). You must also report accidents where injuries occur, cooperate with investigations, and notify your CTP insurer of any claims. Failure to meet these obligations can affect coverage.
Common questions about Compulsory Third Party insurance in Australia.
Key terms used in Compulsory Third Party insurance across Australia.
Find CTP insurance information specific to each provider. Available in NSW and QLD where you can choose your CTP insurer.
In NSW and QLD, you can compare CTP providers and get estimates. In other states, CTP is included in your vehicle registration.