Compulsory Third Party (CTP) Insurance – What You Should Know!

Robert Durrant
Sep 2
2 min read

Many drivers are surprised to learn that Compulsory Third Party (CTP) Insurance does NOT cover damage to vehicles or property.

Much to the misinformation, some people assume that CTP provides full accident cover, but in reality, it only protects against injury or death to other people.

At Dingle Smash Repairs, we see too many motorists shocked when they discover that repairing their vehicle or covering property damage isn’t part of their CTP insurance.

Let’s break it down clearly so you know where you stand.

What Does CTP Insurance Actually Cover?

In Queensland, CTP insurance is designed to cover the injury or death of third parties in a motor vehicle accident. This includes:

Personal Injury to Third Parties – Covers injuries or death to other people (drivers, passengers, pedestrians, or cyclists) caused by your vehicle.
Medical Treatment – Pays for necessary medical expenses for the injured party.
Lost Income – Supports those unable to work due to their accident-related injuries.
Ongoing Care & Rehabilitation – Covers the cost of long-term treatment and rehabilitation for serious injuries.
Compensation for Dependants – Provides financial support for relatives if an accident results in a fatality.

What CTP Insurance Does Not Cover

Here’s where many Queensland drivers get caught out:

❌ Damage to Your Vehicle – CTP does not pay to repair or replace your car after an accident.

❌ Damage to Other People’s Vehicles or Property – Any property or vehicle damage costs fall outside your CTP coverage.

If you want protection for your own car or other people’s property, you’ll need comprehensive car insurance or third-party property damage insurance.

Why CTP Insurance is Compulsory

Car accident injury costs can be enormous, running into hundreds of thousands of dollars. CTP insurance is mandatory in Queensland because it ensures that:

Injured parties receive medical care and rehabilitation.
Drivers aren’t left personally liable for massive medical costs.
Every registered vehicle on Queensland roads contributes to protecting the community.

Protecting Your Vehicle After an Accident

While CTP is essential, it doesn’t help when your vehicle is damaged. That’s where Dingle Smash Repairs steps in.

As a trusted local repairer, we:

Work directly with insurance companies to simplify your repair process.
Offer high-quality panel beating and smash repair services.
Ensure your vehicle is returned to its pre-accident condition with expert craftsmanship.

Don’t Get Caught Out - Get the Right Insurance Advice

Choosing the right insurance cover can be confusing, especially with so many different policies available. That’s why it’s important to seek advice from a trusted insurance professional.

We recommend speaking with a reputable broker like Northern Insurance Solutions, who can guide you on the best cover to protect both your vehicle and your financial security.