Why choose Allianz CTP Insurance?
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CTP insurance in your state
What is CTP insurance?
What’s covered under CTP insurance
Cover can vary from state to state, but as a general guide, a CTP policy covers the driver of a vehicle for their liability in a motor vehicle accident including:
- Injuries caused to passengers in the vehicle
- Injuries caused to drivers and passengers of other vehicles, pedestrians, cyclists, motorcyclists and pillion passengers
- Injuries caused by a trailer when attached to the vehicle
In some states, CTP insurance also gives some cover to the driver if injured but at fault in a motor vehicle accident.
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Frequently asked questions
The cost to someone who’s injured in a motor vehicle accident can be huge. Just think of the medical care and treatment costs that can be involved, as well as potential loss of income during recovery. In extreme cases, those who are injured can need expensive treatment for the rest of their lives.
To make sure innocent injured parties of motor vehicle accidents are compensated irrespective of the financial position of the driver who caused the accident, it’s mandatory for all vehicle owners to take out CTP insurance before they’re able to register their vehicle.
Customers who use their vehicle as part of a GST registered business can claim back the GST portion of their CTP premium from the Australian Taxation Office when lodging their business activity statements. This is an Input Tax Credit (ITC).
Due to different tax treatments, the cost to the insurer of claims made by customers entitled to ITCs is higher than that for customers who aren’t. For this reason, CTP insurers charge a higher premium to customers registered for GST who are entitled to an ITC.
If you’re registered for GST purposes and can claim the ITC on the premium, you must advise us of this when taking out your policy even if you don't intend to claim the ITC. For more information, contact the or speak to your taxation advisor.
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Any advice here does not take into account your individual objectives, financial situation or needs. Terms, conditions, limits and exclusions apply.
Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 is the insurer of any general insurance products offered on this website.
Allianz Australia Life Insurance Limited ABN 27 076 033 782 AFS Licence No. 296559 is the insurer of any life insurance products offered on this website.