CTP Insurance (and why it pays to shop around).


If you have a car and want to drive it, there are a couple of realities you need to face.

The first of those is that the car needs petrol – or some kind of other power source to start the engine and keep the wheels turning.

The second fact is that your car needs to have CTP (Compulsory Third Party) Insurance to be legally allowed on the road.

Just as an FYI, this is an advertorial for Suncorp Insurance.

CTP Insurance is the stuff that covers you as a driver for legal liability in case you cause an accident that results in injury or death to another person.

The laws for CTP Insurance vary from state to state. But it’s important to note that if your car is registered in Queensland or New South Wales, you have the option of choosing your CTP Insurance provider.

It’s always tempting to go straight for the cheapest alternative, but there are a number of other factors you should also consider when shopping around for this type of insurance because the one you choose could end up saving you a fortune.

So what should you look out for?

1. Consider the level (dollar amount) of protection you get in the event of an accident.

Okay, let’s say that you’ve caused an accident and you and your passenger have both been injured. It’s not a pleasant thought, but if it were to happen, it’s important to make sure you’re going to have enough money to get by if you’re seriously injured.

So, do you know how much your insurance provider would pay you?


In Queensland, Suncorp Insurance is a major CTP Insurance provider. Suncorp’s Driver Protection Cover for those with a standard car, station wagon or ute and who are 25 years or older provides at fault drivers with up to $1 million for those who have Suncorp CTP Insurance, and up to $2 million for those who also have Comprehensive Insurance with Suncorp Insurance.

2. Will your insurer take good care of the other people who were injured in the accident?

So back to our car accident … It’s a couple of months after the accident, the cars have been repaired, and you’re moving on with your life. However, your passenger (let’s call her Alex) needs ongoing therapy or rehabilitation.

Do you know how far your insurer will go to provide Alex with the support she needs?

Should any party (besides the driver at fault) need after accident care or rehabilitation, Suncorp Insurance provides a service of injury management advisors.

In the case of Alex, Suncorp Insurance would provide a dedicated injury management advisor to ensure she is fully supported and recovers from the accident.

Causing a car accident is a bad enough situation to deal with, but knowing that people like Alex will be taken care of will allow you some peace of mind.

Suncorp CTP Insurance is dedicated to protecting your loved ones by providing compensation to other people injured in an accident, where you’re the at-fault driver. To find out more, visit

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What do you look for in a CTP Insurance provider?