Car owners in driver’s seat with third party insurance

Queensland will continue to have the lowest compulsory third party (CTP) insurance for sedans and station wagons in mainland Australia, following updated rates starting 1 October 2025.

Class 1 vehicle (cars and station wagons) CTP will increase $4-19 across the state’s three insurers, while Class 6 vehicles (small trucks, vans and utes) will increase $5-23.

The total levies and administration fee to apply to CTP insurance premiums this financial year for a Class 1 vehicle (private use car/sedan) and Class 6 (trucks, utilities and vans weighing 4.5 tonnes or less) is $157.80.

This will support funding for necessary and reasonable treatment, care and support to people seriously injured in motor vehicle accidents, hospitals, emergency services and transport and scheme administration.

What is CTP insurance?

CTP protects motor vehicle owners, drivers and passengers from financial liability for serious injuries caused to others in road accidents.

Injured parties can claim compensation and access medical treatment and rehabilitation.

The insurance is paid when Queenslanders renew their motor vehicle registration.

The Motor Accident Insurance Commission (MAIC) regulates Queensland’s CTP insurance scheme to ensure it remains affordable for motorists while providing genuine support to those injured on our roads.

What does third party mean?

There are three parties to CTP — the owner/driver of the vehicle ‘at fault’, the CTP insurer of the vehicle ‘at fault’ and the injured person.

Can I change my insurer?

In Queensland, CTP insurance is provided by three licensed insurers – Suncorp (AAI), Allianz and QBE.

Licensed insurers determine premium rates every quarter within an upper and lower limit set by MAIC.

You can compare insurers by using MAIC’s CTP premium calculator and change your CTP insurer for free online.

What does CTP cover?

Compensation paid to the injured party can include the cost of ambulance, hospital and medical treatment, rehabilitation, loss of income and long-term care.

The insurance is for personal injury only and does not include damage to property or vehicles.

Queensland CTP insurance also covers you for motor vehicle accidents elsewhere in Australia.

What are these levies in my insurance premium?

The CTP levies and administration fee help provide an important safety net for Queenslanders injured in motor vehicle accidents.

They are collected as part of the insurance premium when registering your vehicle and include:

• • the National Injury Insurance Scheme
  • Queensland (NIISQ) levy
  • Hospital and Emergency Services (HES) levy
  • Statutory Insurance Scheme (SIS) levy
  • Nominal Defendant (ND) levy
  • administration fee.

What if I don’t have CTP insurance?

If an accident occurs involving an unregistered and uninsured vehicle, the driver and owner may be financially liable for the damages paid to the injured person. In addition, owners and drivers of unregistered and uninsured vehicles face hefty fines.

What about trailers and caravans?

For Queensland-registered vehicles, the CTP insurance policy of your vehicle covers the trailer or caravan you are towing. This also applies if you are travelling interstate. However, heavy vehicle trailers need their own insurance policy.