CTP insurance in Townsville operates under Queensland’s statewide scheme and is compulsory for every registered vehicle. It covers injuries caused to people in a motor vehicle crash, including drivers, passengers, pedestrians and cyclists, but generally does not cover damage to cars or other property. The CTP premium is included in your Queensland vehicle registration, and you can usually choose an approved insurer when renewing. For current insurer options and claims information, check the Queensland Government’s official website or speak with your insurer.