Compulsory Third Party (CTP) insurance covers injuries to people caused by your vehicle in a road accident, including drivers, passengers, pedestrians and cyclists. It generally does not cover damage to vehicles or other property, which may require comprehensive or third-party property insurance. CTP is compulsory, but how it is arranged differs between states and territories: it may be included with registration or purchased separately from an approved insurer. Check your state or territory’s transport authority for the current rules and claims process.