CTP insurance is compulsory when you register a vehicle in Australia and generally covers injury or death caused to people in a road crash, not damage to vehicles or other property. Rules, insurers, prices and benefits differ between states and territories, and some schemes let you choose a CTP insurer while others do not. For 2026, check your state or territory’s transport authority or CTP regulator for current requirements and renewal arrangements. Consider comprehensive or third-party property insurance if you also want cover for vehicle or property damage.