In Melbourne and throughout Victoria, compulsory third party (CTP) cover is provided through the Transport Accident Commission (TAC), with the cost generally included in your vehicle registration. It can cover eligible injuries or deaths resulting from transport accidents, subject to the scheme’s rules and individual circumstances. TAC cover does not pay for damage to your car or another person’s vehicle, so you may need third party property damage or comprehensive insurance for that risk. Check the current details with the TAC or VicRoads, especially if you are registering an interstate vehicle.