CTP (compulsory third party) insurance is required for registered vehicles in Australia and generally covers injuries caused to people in a road crash, rather than damage to vehicles or property. The scheme, insurer options and renewal process vary between states and territories, so the rules applying in 2026 depend on where your vehicle is registered. CTP is commonly purchased with registration, although arrangements differ, including in states where a driver chooses an approved insurer. Check your state or territory transport authority for current details and ask the insurer or a licensed adviser about cover, premiums and any claim requirements.