Many people incorrectly think that the Compulsory Third Party insurance included with their state registration covers damage to other vehicles, when in fact this is not the case. CTP insurance is designed only to cover injury to any person and not the vehicle they’re in.

Here is a helpful summary that explains the different levels of cover for most on-road vehicles, from highest to lowest:

Comprehensive cover provides protection from all the risks you’d commonly expect when owning & driving a vehicle. It covers both the damage to your vehicle and any damage to another vehicle that you are liable for, as well as other events like fire & theft.

Fire, Theft & Third-Party cover is a mid-range product that does not cover any damage to your own vehicle in the event of an accident that you are liable for. Even for an inexpensive vehicle, not having comprehensive insurance is extremely risky and leaves you exposed.

Compulsory Third-Party (CTP) cover is a requirement under every Australian State & Territory and is generally packaged together with vehicle registration costs. Operating a vehicle with only this cover in place is even riskier since it does not cover any damage to your vehicle or any damage to other property. It exists purely to cover any injury to other persons that you may be responsible for.

Our service to all our clients includes the management of any insurance claims from start to finish. We advocate for you and ensure your claim is handled effectively and efficiently, advising you at every step of the way.

Most families have more than one vehicle, and keeping track of multiple insurance policies across homes and businesses is difficult enough. We manage all your policies and allow you a single point of contact, regardless of whether your insurer is different across multiple policies.