CTP insurance is compulsory, but the scheme and available choices vary between Australian states and territories. When comparing policies, check the premium, insurer’s claims process, payment options and how personal injury benefits are handled, rather than looking at price alone. CTP generally covers injuries caused to people in a road accident, but it does not cover damage to your vehicle or property, which may require comprehensive or third-party property insurance. Check your state or territory’s official transport or insurance website, and contact licensed insurers for current quotes and policy details.