CTP insurance is linked to a registered vehicle, not your property or first home buyer status, so it is generally separate from home insurance. It helps cover injuries caused by a vehicle in a road accident, but it does not cover damage to cars or other property. Depending on your state or territory, CTP may be arranged through registration or purchased from an approved insurer, and the rules differ across Australia. Check your registration details and the relevant state or territory transport authority to confirm what applies to you.