Frequently asked questions about
Qld Compulsory Third Party (CTP)

Yes, the difference between CTP Insurance and other kinds of car insurance, such as Comprehensive Car Insurance, lies in the coverage.

Your CTP insurance payment is included in the cost of your motor vehicle registration.

The Qld CTP scheme is a an ‘at-fault’ scheme, which means if you are the driver who causes a motor vehicle accident, the injured third party will make an insurance claim against your CTP policy. A person injured in a motor vehicle accident in Qld will not be entitled to compensation under the Qld CTP scheme if they are wholly at fault.

For more information please call our friendly CTP claims specialist on 13 11 60.

A serious personal injury is a life-changing injury resulting from a motor accident, that leaves a person with a permanent disability, requiring assistance in their everyday life. The National Injury Insurance Scheme Queensland (NIISQ) helps support victims of such injuries.

The physical, emotional and financial strains of a serious personal injury on an individual and their family can be devastating, and the cost of care for a seriously injured person over their lifetime can be in the millions of dollars.

Serious personal injuries include:

• permanent spinal cord injuries
• severe burns
• traumatic brain injuries
• permanent blindness, and
• multiple amputations.

For more information visit NIISQ or speak to one of our friendly CTP claims specialist on 13 11 60.

We’re here to help. If you’re the relative or dependant of a person who lost their life due to a motor vehicle accident in which they weren’t at fault, please call us on 13 11 60 and we’ll support you through this difficult time.

No, you don’t need a lawyer to lodge an injury claim in Queensland.

A no win no fee lawyer can charge up to 50% of your compensation* by law. Dealing directly with Suncorp Insurance, 100% of your compensation* is paid to you.

As Queensland’s largest CTP insurer, we offer a dedicated service and our team of personal injury claims specialists make it easy to manage your claim without a lawyer. We understand injury and work directly with your healthcare providers to ensure the care you receive is tailored to your needs.

We’ll help you to gather all relevant information to support your claim such as medical reports, police reports and information from your employer. Our team can help identify the insurer of the vehicle at fault even if it’s not insured by us.

Call us on 13 11 60 and we’ll help you lodge your claim quickly and easily.

* Your ‘compensation’ means your damages plus that part of your legal costs payable by the Insurer less the total of the applicable statutory refunds (e.g. to Medicare) and disbursements (e.g. fees for medical reports). If you deal directly with the insurer, you are not likely to have legal costs that may or may not be reimbursed by the insurer.

Making a claim can seem daunting. Thankfully, our local CTP Claims Customer Concierge is here to provide guidance and support. We can help identify the insurer of the vehicle at fault, assist you in completing the claim form, and immediately lodge the claim with you.

Once you’ve lodged your claim, we will:

• allocate your claim to an experienced Claims Specialist.
• call you within 1 business day.
• investigate the accident to understand exactly what happened.
• determine who is liable as soon as possible.
• support your rehabilitation and treatment needs and make arrangements to cover reasonable and appropriate expenses.
• be in touch regularly throughout your recovery to provide updates and check that you’re doing okay.
• provide you with an assessment of your claim and work with you to resolve your claim as quickly as possible.

For more information, download the Personal Injury Claim Information Guide.

All injuries and circumstances are different. The amount of compensation paid depends on a range of factors, such as the severity of the injury, functional impairments, and if you were wholly or partially at fault for the accident. We’ll help you to understand what compensation you’re entitled to.

You may be entitled to claim:

• treatment and rehabilitation expenses related to the accident that are considered reasonable and appropriate.
• loss of income (payable at settlement and finalisation of your claim).
• future treatment expenses.
• general damages (pain and suffering, if your injury is severe enough).
• the cost of care and support services (thresholds apply if applicable).

You may also be able to claim other expenses depending on your circumstances. Once we’ve helped you to lodge your claim, your Claims Advisor will be able to discuss this with you in more detail.

You might need treatment or rehabilitation after your accident to return to pre-accident levels of activity and work. While most people can self-manage certain symptoms (such as whiplash), others might require physiotherapy. If your healthcare practitioner recommends treatment to optimise your recovery and it’s reasonable, appropriate, and related to your injuries from the accident, we can fund your treatment and rehabilitation. It’s best to get approval from us first though so you aren’t left out of pocket.

We’ll work with you to resolve your claim as soon as possible. This could be weeks after you lodge your claim or, maybe a little longer depending on your injuries. Your Claims Advisor will keep you informed of the process and timeframes the whole way through your claim.

Your claim should be lodged within nine months after the motor vehicle crash, but you should lodge your claim as soon as possible to begin treatment and rehabilitation if required.

Please call us on 13 11 60 and we’ll help you lodge your claim as quickly as possible.

When it comes time to renew your Suncorp CTP policy, you can make a payment through the Queensland government website. Your CTP policy is part of your vehicle registration in Qld.

To change your address on your Qld CTP, you must do this with the Department of Transport and Main Roads (DTMR).

Your CTP insurance stays with the registered vehicle, so once you transfer the registration into the new owner’s name on the certificate of insurance, the CTP will be transferred as well.

CTP insurance is compulsory and is included with your vehicle registration. Therefore, if you cancel the registration of your vehicle with the Department of Transport and Main Roads (DTMR), your CTP insurance is cancelled at the same time.

If you experience a problem, are not satisfied with our products or services or a decision we have made, please visit our Customer Relations & Complaints page to access more information.