CTP insurance is compulsory in Queensland and is included in your vehicle registration, including on the Gold Coast. When renewing, you can generally choose from Queensland-licensed CTP insurers, with premiums and available options set through the registration process. CTP covers injuries or death caused by the use of a registered vehicle, but it does not cover damage to vehicles, property or theft. For current insurer and claims information, check Queensland Government or Motor Accident Insurance Commission guidance, and seek professional advice about your circumstances.