Insurance policy

Insurance Policy

Your Motor Injury Insurance Policy is printed on the back of your vehicle registration (“rego”). Two insurance products make up the motor injury insurance policy: Compulsory Third Party (CTP) and Catastrophic Injuries Support (CIS).

A policy is paid for when a vehicle is registered with the Department of Transport. The CTP policy covers the driver or owner of a vehicle for injuries they cause to others in a motor vehicle crash anywhere in Australia. The CIS policy covers a person for a catastrophic injury caused in a motor vehicle crash.

The motor injury insurance policy does not cover the cost of damage caused to vehicles or property from a motor vehicle crash. If you have your own motor vehicle insurance, these costs may be covered.

Unless you were catastrophically injured in a crash, in order to make a claim you must be able to establish that the driver or owner of a motor vehicle was at fault, whether completely or in part. To determine who is at fault for the crash, we gather information from a range of sources including:

  • Crash reports;
  • Witness statements; and
  • Police reports
Cars in heavy traffic.

You can still claim if you were partly at fault for the crash, or partly responsible for your injuries, but the amount you can claim may be reduced depending on the circumstances, and may include crashes where you:

  • were not wearing a seatbelt;
  • were not wearing a helmet while riding a motorbike, scooter or bicycle;
  • were riding unrestrained in an open-top vehicle;
  • were driving at an unsafe speed or not keeping a proper lookout;
  • were driving under the influence of alcohol or drugs;
  • were travelling in a vehicle where you knew, or should have known, the driver is under the influence of alcohol or drugs; or
  • were involved in criminal or other illegal activity at the time of the crash.

If the driver at fault has a vehicle registered in another state or territory, you will need to contact the relevant motor injury insurer in that State to make a claim.

You may still be able to claim if the vehicle at fault is unidentified or unregistered, such as in a ‘hit and run’ situation.

If you are the driver or owner of a vehicle that is found to be at fault for that crash and either:

  • That vehicle is unregistered; and/or
  • you breach the terms of the motor vehicle insurance policy

you may be requested to repay all monies paid by the insurance commission for the treatment, care and compensation of an injured party’s claim.

See an example vehicle registration including the policy.

See the terms and conditions of the policy.

*You may be considered to be ‘under the influence of alcohol’ even if you’re not driving in excess of the legal limit for alcohol.