The information on this page relates to the CTP Scheme that ended on 31 January 2020 and is for persons with a claim under the previous scheme. The CTP Scheme was replaced with the Motor Accident Injuries (MAI) Scheme. For information on the MAI Scheme and how to apply, please visit www.act.gov.au/maic.
More than 285,000 motor vehicles are registered or reregistered in the ACT annually. If you own a motor vehicle, you are required to buy compulsory third-party (CTP) insurance every year as part of the vehicle registration process.
What does CTP Insurance in the ACT cover?
CTP insurance covers other people (including pedestrians, passengers, pillion riders and cyclists) injured in an accident with a motor vehicle where they can prove someone else was at fault. It does not cover accidents where fault cannot be proven. Without CTP insurance, if you were found to be at fault in a car accident and other people were injured, you would personally be responsible for the compensation costs arising from those injuries. This could amount to many thousands, sometimes hundreds of thousands of dollars. If you could not pay, the injured people could be left without a way to recover their loss and manage their injuries. This is why CTP insurance is compulsory in every state and territory in Australia
Want to know more about the ACT CTP Insurance Scheme?
See the CTP information booklet which provides an explanation of who the CTP scheme covers and the benefits it provides; how your premiums are determined; and what happens with your premium dollars when you purchase CTP insurance.Understanding Compulsory Third Party (CTP) Insurance in the ACT [PDF 285kb]
In addition, the CTP diagram compares different types of personal and property motor vehicle insurance.How Does Motor Vehicle Insurance Work in the ACT? [PDF 76kb] HTML version