CTP insurance is compulsory with vehicle registration, but how you obtain it depends on your state or territory. In some places, such as NSW and Queensland, you may be able to choose from approved insurers when registering or renewing your vehicle; elsewhere, CTP is provided through a government or designated scheme. Check your state or territory’s official transport or registration website for the correct process and participating providers. CTP generally covers injuries caused to people in a road crash, not damage to your vehicle, so consider separate comprehensive or third-party property insurance if needed.