CTP insurance is compulsory and covers injury or death caused by a vehicle crash, but it generally does not cover damage to cars or other property. How you compare policies depends on your state or territory: some areas let you choose from several licensed insurers, while others use a government or appointed scheme. Compare the available premium, payment options and claims process, while checking what is already included by law. For current prices and providers, use your state’s official transport or CTP authority website, as eligibility and costs depend on your circumstances.