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Basics of CTP insurance in QLD

What is CTP insurance in QLD?

Compulsory Third Party insurance (CTP) is a statutory requirement when registering your vehicle in Australia. It covers your legal liability when you’re found to be at fault for a motor vehicle accident where other people are injured or killed.

CTP insurance is included in car registration fees in most Australian states and territories. However, while other states and territories have just one CTP provider, you have the option of choosing your insurer when you register your car in Queensland. You can also change CTP providers when renewing your vehicle registration.

In Queensland, the CTP scheme is regulated by the Motor Accident Insurance Commission (MAIC). The three providers of QLD CTP insurance are Suncorp, Allianz and QBE, with RACQ no longer offering CTP insurance as of 1 October 2023.¹

What does CTP insurance cover in QLD?

CTP insurance covers the legal liability of the at-fault driver of a motor vehicle accident – that is, your liability for the costs of injuries or deaths of other people (known as third parties). Third parties may include other drivers, motorcyclists, passengers, pedestrians and cyclists. If you’re one of these third parties, costs you may be able to claim through CTP insurance can include:

• Medical and rehabilitation costs
• Loss of income
• Services for injuries that require ongoing treatment.²

These costs can be expensive, and CTP is the only type of insurance that covers your liability for third party injuries or deaths. This is why it’s compulsory to have CTP insurance, even if you have comprehensive cover.

What does CTP insurance not cover in QLD?

Your CTP insurance policy doesn’t cover damages to vehicles and property resulting from an accident. You’ll typically need comprehensive car insurance for these instances, while Third Party Fire and Theft and Third Party Property Damage policies may also provide cover in limited situations.

CTP insurance in Queensland also won’t cover the at-fault driver, but their injuries might be covered under the National Injury Insurance Scheme, Queensland (NIISQ). The NIISQ provides funding for treatment and care for people injured in serious motor accidents. It’s a no-fault scheme, meaning they may cover your medical expenses regardless of whether you were at fault or not.³

How much is CTP insurance in QLD?

In Queensland, CTP insurance premiums are based on the vehicle class, not the driver.⁴ This is another point of difference between CTP in Queensland and other car insurance products, where premiums are typically calculated based on the driver’s circumstances such as age, driving history and location.

As well as the vehicle class, the MAIC will take the following into consideration when calculating your CTP insurance premiums:

• When your registration is up for renewal
• Input Tax Credit Entitlement (ITCE)
• The period of cover (e.g. six months or one year).⁵

There are also several fees and levies that will be included in your CTP premiums, which help cover the costs of benefits when Queenslanders need to claim. Fees and levies for CTP in Queensland include:⁶

• Statutory Insurance Scheme Levy. Covers the costs of applying the Motor Accident Insurance Act 1994, as well as funding accident and injury prevention research.
• Administration Fee. This fee is paid to the Department of Transport and Main Roads for providing administrative support.
• Hospital and Emergency Services Levy. This goes towards providing cost effective public hospital and emergency services to people injured in motor vehicle accidents.
• Nominal Defendant Levy. This levy allocates funds to the Nominal Defendant scheme, which supports claims against uninsured vehicles.
• National Injury Insurance Scheme Queensland (NIISQ) Levy. The NIISQ helps cover the costs of people who sustain serious injuries from motor vehicle accidents and require lifetime support.

These fees and levies can vary depending on your vehicle class. For example, the table below is a guide for fees and levies for a Class 1, non-ITCE vehicle, which consists of cars and station wagons.

Does vehicle registration in QLD include CTP insurance?

When registering a car in Queensland, CTP insurance is typically included in your registration fee, and you’ll have a choice of CTP insurers.

However, if you purchase a used car that’s already registered, the remaining period of registration and CTP insurance on that car will typically transfer over to you from the previous vehicle owner.