Do I need CTP for my motorcycle?

The primary focus of Compulsory Third Party (CTP) Insurance is to help protect motorists from the financial impact of a road accident that causes injury or death. CTP can help cover the cost of things like:

• medical care and ongoing treatment
• loss of income as a result of being injured in a motor accident; and
• compensation to a deceased person’s relatives.

CTP is mandatory for all registered vehicles across Australia, including motorcycles.

In Queensland, Tasmania, Victoria and Western Australia, and the Northern Territory, CTP insurance is attached to the registration of your motorcycle. In the Australian Capital Territory (MAI), New South Wales (Green Slip), and South Australia, CTP insurance needs to be purchased separately. 

Find out more about how the CTP scheme differs across the nation in our article How CTP works in Australia. 

Third Party Property Damage Insurance provides a basic level of cover in the event of a motorcycle collision. With this policy, you could be covered for damage you cause to someone else’s vehicle or property in an accident. It may also cover damage to your motorcycle (up to a certain limit), where an uninsured driver is at-fault.