In Geelong, compulsory third party (CTP) cover is provided through Victoria’s Transport Accident Commission (TAC) scheme and is linked to vehicle registration. It generally covers eligible injuries from transport accidents, including injuries to drivers, passengers, pedestrians and cyclists, but it does not cover damage to your car or other property. The TAC charge forms part of Victorian registration costs, so you usually do not buy a separate CTP policy from an insurer. Check the TAC and VicRoads websites for current rules, or speak with a qualified adviser about how the scheme may apply to your circumstances.