The Answer
Government monopoly (TAC)
CTP in VIC: Government monopoly (TAC) — included in registration, no choice of insurer
CTP in VIC
| Detail | VIC |
|---|---|
| System | Government monopoly (TAC) — included in registration, no choice of 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 VIC
$1,264+ for emergency. Get Ambulance Victoria membership: ~$50/yr individual, ~$97/yr family.
Frequently Asked Questions
Is CTP included in rego in VIC?
Government monopoly (TAC) — included in registration, no choice of 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