Your CTP Policy provides you with unlimited cover (subject to compliance with conditions and warranties) against claims for personal or fatal injury caused to another person, as a result of your negligent (failure to take reasonable care) driving of a WA licensed vehicle anywhere in Australia.
This means that if you or the person driving your vehicle is partly or fully responsible for causing personal or fatal injuries to another person, you or the person driving the vehicle will not be held liable for the financial cost of any claims made against you. Your CTP Policy protects you from the financial costs of any such claims. Your CTP Policy however, does not provide cover for damage to vehicles or property or injuries to the driver, where that driver is at fault.
Your CTP Policy does not give you any entitlement to claim damages for your own injuries. If, as a driver, you are injured and wish to make a claim, you must establish negligence against another driver/owner of a Western Australian licenced vehicle and claim against their CTP Policy.
The Insurance Commission is obliged by law to meet the claims of injured third parties even though the driver or owner whose negligent driving caused the injuries may have breached the warranties and/or conditions of their CTP Policy, or the vehicle does not have current licence (i.e. is unlicensed and therefore uninsured).
If the vehicle is unlicensed or there are breaches of the CTP Policy, the Insurance Commission may seek to recover from the uninsured/negligent owner and or driver the money it has paid to the injured party.
The insurance cover is valid for the period stated on your motor vehicle Licence and Third Party Insurance Policy. The cover is extended for a grace period of 15 days provided payment is made within the 15 days grace period.