ARTICLE
21 July 2025

Australian CTP Insurance Schemes: A national overview and cross-jurisdictional guide

B
Barry Nilsson

Contributor

For 60 years, Barry Nilsson has been shaping a better legal experience, putting our clients first - where they belong. We have grown to become an award-winning national law firm of more than 400 staff, working alongside our clients and evolving our services to meet their changing needs.
Comprehensive guide which offers an in-depth analysis of each state's CTP insurance scheme.
Australia New South Wales Transport

Navigating the complexities of Compulsory Third Party (CTP) insurance across Australian states and territories can be challenging. While the market for CTP insurance is national, the schemes and statutory regimes vary significantly from state to state. Some are governed by a single statutory body, while others are managed by various licensed insurers.

As Australia prepares for the national implementation of autonomous vehicle laws in 2026, understanding these differences and the interplay between jurisdictions is becoming increasingly critical.

Prepared by BN's national team of CTP experts, this comprehensive guide offers an in-depth analysis of each state's CTP insurance scheme, including:

  • state-specific approaches to indemnity, liability, and compensation
  • cross-jurisdictional interplay and impacts
  • key similarities and differences between schemes
  • unique features of each state's insurance framework.

Additionally, the guide includes a comparison matrix that provides a concise, 'at-a-glance' summary of the key highlights from each state.

The content of this article is intended to provide a general guide to the subject matter. Specialist advice should be sought about your specific circumstances.

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