CTP Insurance ACT
New CTP scheme
The Australian Capital Territory has a new CTP scheme. Until recently it was a common law, fault-based CTP scheme. Under the new 2020 scheme, even someone at fault can claim benefits if they are injured in a road accident. You can also make a claim if it was nobody’s fault, for example, a kangaroo.
What you receive depends on the type, extent and circumstances of the injury. Those with serious injuries can claim for damages. Meanwhile, the Life Time Care and Support scheme provides lifetime support for people with catastrophic injuries from crashes.
In the ACT, all vehicle owners pay for CTP insurance as part of their registration fee. When you pay for registration, you can also change your CTP provider. Four insurers are licensed to provide CTP in the ACT:
ACT CTP insurance is a compulsory public scheme provided by private insurers, so it is heavily regulated. Motor Accident Injuries Commission is the regulator of the new CTP scheme. The regulator oversees insurer activities and road safety measures and ensures injured people receive speedy treatment.
ACT insurers are responsible for setting their own premiums within certain guidelines. Before an insurer can change prices, it must submit them to the ACT CTP regulator for approval.
You can use Access Canberra Feedback for any questions, comments or feedback about the old or new CTP scheme.