CTP Insurance QLD

Queensland CTP insurance is compulsory insurance privately underwritten by licensed insurers. It compensates third parties for injuries caused by at-fault drivers. Cover includes other drivers, passengers, motorcyclists, cyclists and pedestrians.

Find out more in our article CTP and Green Slips explained: a state by state guide.

Compulsory Third Party (CTP) insurance pays for the cost of injuries caused by at-fault drivers in Queensland. If you injure someone in an accident, your CTP insurer will compensate the third party for losses. Likewise, if an at-fault driver injures you in an accident, their CTP insurer will cover you.

Third parties can include other drivers, passengers, riders, cyclists and pedestrians.

Your CTP insurance in QLD only covers claims against you for injuries to third parties in an accident. It doesn’t cover damage to cars or property due to an accident.

There are differences in service levels and premiums. There are also differences in the DriverProtect cover. It’s important to decide which best meets your needs, as the maximum claim per policy currently ranges from $250,000 to $2 million.

Some Queensland CTP insurance companies provide DriverProtect insurance to cover an at-fault driver injured or killed in an accident. DriverProtect is a CTP insurance QLD add-on and is not compulsory under QLD State Legislation. DriverProtect policies cover the at-fault driver for serious permanent injuries such as quadriplegia, paraplegia, permanent total disablement, loss of limb use and death. DriverProtect doesn’t provide full Queensland CTP insurance coverage such as loss of income, medical and rehabilitation costs and ongoing care for the seriously injured.

It depends on the registration status of your car.

If you’re buying a brand new, unregistered car, advise your dealer of your choice of CTP insurer.

If your QLD 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. Call 133 723 to switch to QBE or refer to the back of the Vehicle Registration Notice for the payment and selection of CTP insurer options.

If your car is currently registered interstate, you can select your new CTP insurer when you register your car in Queensland.

If your car is currently unregistered, you can choose your CTP provider. Call us on 133 723 for more information.

If you purchase CTP insurance in QLD but don’t register your car with the Department of Transport and Main Roads within 30 days, return the original certificate to your CTP insurer for a full refund on your premium. If you’re mid-term through your registration period, you must cancel your QLD CTP insurance policy with the Department of Transport and Main Roads. You may receive a registration refund cheque from the Department when you hand in your registration plates.

If your car is registered when you sell it, your CTP insurance in QLD automatically transfers to the new owner. If you sell an unregistered car, you may receive a refund from the Department of Transport and Main Roads when you hand in your registration plates.

The Queensland Government’s Motor Accident Insurance Commission (MAIC) sets CTP costs quarterly. Rates take into account:

• The frequency of accidents
• The average claims costs for the car’s class
• Whether or not the car owner has a right to claim a GST Input Tax Credit
• An amount for the CTP insurer’s administration and claims handling costs.

As long as you’ve registered your car through the Department of Transport and Main Roads, your CTP insurer will compensate injuries to third parties. Your QLD CTP insurance company will manage claims against you on your behalf.

If an at-fault driver injures you in an accident, their CTP insurer must pay CTP insurance QLD benefits. If you’re at fault in the accident, you’ll have no cover under the Queensland CTP Insurance Scheme.

However, you may receive support through the National Injury Insurance Scheme Queensland (NIISQ) if you’ve sustained a serious personal injury through a motor vehicle accident.

As the title suggests, a third party is everyone else involved in the accident, which includes the drivers and passengers of all cars involved, pedestrians, cyclists and motorcycle riders.

The Queensland Government legislated in 1936 for CTP insurance to be made compulsory and to protect people injured due to the actions of other negligent drivers. CTP coverage intends to protect the injured person from ongoing medical and hospital costs, general damages and loss of income. In the case of severe injuries, QLD CTP insurance covers the ongoing care of the injured person, which may be for the rest of their life.

Yes. The Department of Transport and Main Roads has introduced a one-month registration renewal option. To find out more, visit the Queensland Government website.

There are two premiums for each class of car under the Queensland Scheme. ‘Private’ premiums (no Input Tax Credit entitlement) won’t provide you with a tax invoice, and the ATO won’t let you claim GST. ‘Business’ premiums (which have an Input Tax entitlement) will provide you with a tax invoice, and you can claim the GST. Your Vehicle Registration Notice will show either (NO ITCE) for a ‘private’ premium or (YES ITCE) for a ‘business’ premium. If you believe your tax status is incorrect, contact the Department of Transport and Main Roads on 13 23 80 (select Option 1 and then Option 3). They’ll issue a new Vehicle Registration Renewal Notice, which can take up to 14 days. Please note – if your vehicle registration expires during this change process, the Department of Transport and Main Roads will charge you loading for the late payment.

If an at-fault driver injures you in an accident in Queensland, you can make a CTP claim against them. QBE will compensate you if a QBE insurance policyholder is at fault.

Call us on 133 723 to make a claim, or send a completed MAIC Notice of Accident Claim Form to:

The Queensland Government’s Motor Accident Insurance Commission (MAIC) offers free CTP checks online. Using your registration, or the registration of an at-fault vehicle, you can find a vehicle’s CTP insurer.

Drivers may change their Queensland CTP insurance at any time while their vehicle is registered. Purchase your policy online or by phone with QBE or your chosen insurer. The change will only apply at the start of your next registration period.