The Answer
Competitive
CTP in QLD: Competitive — included in registration, can choose insurer
CTP in QLD
| Detail | QLD |
|---|---|
| System | Competitive — included in registration, can choose insurer |
| What it covers | Injuries to other people in a car accident |
| What it doesn't cover | Damage to your car, damage to other property, theft |
What You Also Need
CTP only covers personal injuries. For property damage and your own car, you need separate insurance:
- Third Party Property: Covers damage to other people's property ($200–$400/year)
- Comprehensive: Covers everything including your own car ($800–$2,000+/year)
Ambulance in QLD
Free for Queensland residents. Funded through electricity bills.
Frequently Asked Questions
Is CTP included in rego in QLD?
Competitive — included in registration, can choose insurer
What does CTP cover?
Injuries to other people in a car accident — medical expenses, lost income, rehabilitation. It does not cover damage to your car or other property.
What Changed
Apr 2026
Content verified