Generally, CTP insurance covers your liability and the liability of anyone who drives your vehicle for injuries and death caused to other parties in a motor vehicle accident anywhere in Australia.
For accidents on or after 1 December 2017, your CTP can also give certain limited statutory benefits to you as the driver of your vehicle, or another person who drives your vehicle, if injured and the at fault driver in a motor vehicle accident.
The extent of the CTP insurance cover is defined by law. In some circumstances, cover may be excluded. For instance, if the accident was the result of a serious driving offence.