Live chat Online Chat now

What is CTP insurance?

Compulsory Third Party insurance (CTP) comes with your vehicle registration and provides protection to the at-fault driver against any compensation claims from individuals who are injured as a result of a motor vehicle accident.

Why choose RACQ CTP Insurance?

You can choose your preferred CTP insurer and make the switch at any time. So, when you switch your CTP to RACQ you’ll be automatically covered from your next registration renewal date.

Plus, you’ll have access to our Queensland-based team who specialise in managing personal injury claims arising from motor vehicle accidents.

Get a quote Switch now

Insurance for yourself and your car

While CTP protects individuals injured in a motor vehicle accident, it doesn’t cover the damage caused to or by your vehicle. To make sure your vehicle is covered, view our range of car insurance options and get a quote today.

A change to RACQ CTP Insurance policies (effective 29 July 2021)

Since 2004, we have offered an At Fault Driver benefit, which provided a one-off lump sum payment to seriously injured people who are considered at fault in a motor vehicle accident. In 2016, the Queensland state government introduced the National Injury Insurance Scheme Queensland (NIIS), which provides rehabilitation and care expenses to anyone who sustains serious personal injury due to a motor vehicle accident, regardless of who is at fault.

With the NIIS providing compensation for those seriously injured, we’ve determined that our At Fault Driver benefit no longer offers the intended value to our members. And so, from 29 July 2021 we will be removing the At Fault Driver inclusion as part of our CTP policy.

What does this mean for me?

The NIIS offers the same benefit as our At Fault Driver inclusion, so in the event of serious injury from a motor vehicle accident, you will still be able to access compensation for care and rehabilitation expenses. If you currently hold CTP insurance with us, the At Fault Driver benefit will remain in effect until your next registration renewal date.

You might also be interested in...

Comprehensive Car Insurance

Coverage wherever you are, whoever is driving and whatever the weather. Get a $50** discount when you buy comprehensive ...

Learn more

Roadside Assistance

RACQ is here to help 24-hours a day, 7 days a week. We’ll get you back on the road fast.

Learn more

Pet Insurance

Buy online now and save $50***. Whether you’re looking for pet cover for your dog or cat, RACQ Pet Insurance ensures the...

Learn more

Insurance products (excluding Travel Insurance and the Life and Income Protection Insurance suite of products) are issued by RACQ Insurance Limited ABN 50 009 704 152 (RACQ). Conditions, limits and exclusions apply. This is general advice only and may not be right for you. This information does not take your personal objectives, circumstances or needs into account. Read the PDS, and any applicable Supplementary PDS before making a purchase decision on this product. You can also access our Target Market Determinations on this website.

CTP Insurance underwritten by RACQ Insurance Limited ABN 50 009 704 152. Visit for details. Conditions apply.

** Excludes pay later option.

*** Excludes pay later option. Pet Insurance discount is per pet, maximum four pets.