Compulsory third party (CTP) insurance covers injuries to people caused by your vehicle in a road accident, including drivers, passengers, pedestrians and cyclists, subject to the rules in your state or territory. It generally does not cover damage to cars or other property, so you may need separate comprehensive or third party property insurance. CTP is compulsory for registered vehicles, but how you buy it differs across Australia: it may be included with registration or purchased from an approved insurer. Check your state or territory transport authority for current requirements and claim procedures.