In Melbourne, compulsory third party (CTP) cover is provided through the Transport Accident Commission (TAC) and is generally included in your Victorian vehicle registration costs, rather than purchased as a separate policy. It can help cover eligible injuries from transport accidents, but it does not cover damage to your car or other vehicles. For property damage, you may need third party property damage or comprehensive car insurance. The TAC assesses claims and entitlements based on the accident and your circumstances, so check the official TAC website for current rules.