Compulsory third party (CTP) insurance, sometimes called a green slip, covers personal injury to other people if you're at fault in a car accident, and is generally required to register a vehicle in every Australian state. This page is general information only.
What CTP covers
CTP generally covers injury or death to people other than the driver at fault — passengers, other drivers, pedestrians and cyclists — but not damage to vehicles or property, which is covered by third party property or comprehensive insurance instead.
How it's arranged
In some states CTP is bundled automatically with vehicle registration through a single government-run scheme, while in others (such as NSW and Queensland) drivers choose their own CTP insurer from a list of licensed providers, and prices can vary between them for the same cover.
Claims and at-fault accidents
CTP claims processes and at-fault rules vary by state scheme — some are no-fault for certain injuries, while others require establishing fault before a claim proceeds. Check your own state's scheme rules if you're considering a claim.
Key takeaways
Where you have a choice of CTP insurer, it's worth comparing prices at renewal — the cover itself is regulated and similar, so price differences between insurers can be worth checking.