Compulsory Third Party Scheme

Women with neck pain

Compulsory Third Party (CTP) insurance provides owners and drivers of Western Australian registered vehicles with cover for the cost of injuries they cause to others in a motor vehicle crash anywhere in Australia.

CTP insurance covers those injured in a crash for:

  • treatment, care and support;
  • claims management expenses;
  • past and future economic loss; and
  • pain and suffering where the injured person is not at fault.

The Motor Vehicle (Third Party Insurance) Act 1943 sets out the CTP scheme details.