CTP insurance in Cairns follows Queensland rules and is compulsory when you register a vehicle. It covers injuries to people caused by your vehicle in a road accident, including eligible drivers, passengers, pedestrians and cyclists, but it generally does not cover damage to vehicles or property. The premium is included in your registration costs, and you can usually choose from the licensed Queensland CTP insurers available through the registration process. Check the Queensland Government’s Department of Transport and Main Roads website for current insurer options and registration information.