Compulsory Third Party (CTP) insurance covers personal injuries caused by a vehicle in a road accident, including injuries to drivers, passengers, pedestrians and cyclists, subject to the rules of the relevant state or territory scheme. It is generally linked to vehicle registration and is required before a vehicle can legally be driven. CTP does not cover damage to cars, homes or other property, so you may need separate comprehensive, third party property or third party fire and theft cover. Claims and benefits vary across Australia, so check your registration authority or the relevant government CTP scheme for details.