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CTP insurance for EVs

Compulsory Third Party (CTP) insurance is mandatory for all vehicles and is regulated at the state level in Australia. CTP insurance is the base level of insurance you are required to hold, and generally protects other people (not their car or property) in the event you cause an accident. CTP is the same policy for EVs and non-electric vehicles. In some states CTP is ‘community rated’ which means the price and coverage is generally the same for all vehicles and vehicle owners, so it often doesn’t really pay to shop around for CTP beyond visiting the official sites.

You generally can’t register your vehicle without CTP insurance in place. Each state has its own format; some have price comparison sites and some state governments provide the insurance themselves, as part of your vehicle registration.

Australian Capital Territory: price comparison site https://www.treasury.act.gov.au/maic/your-mai-insurance/how-mai-insurance-premiums-are-set

New South Wales: price comparison site https://www.greenslips.nsw.gov.au/price-check

Northern Territory: CTP is provided by the government and included in your registration https://nt.gov.au/driving/rego/visitors/visiting-interstate-and-overseas-visitors/compulsory-third-party-insurance

Queensland: price comparison site https://maic.qld.gov.au/for-drivers/ctp-premium-calculator/

South Australia: premium calculator https://www.ctp.sa.gov.au/for-vehicle-owners/ctp-premium/ctp-premium-calculator

Tasmania: CTP is provided by the government and included in your registration. https://www.service.tas.gov.au/services/transport/safety-on-the-road/maib-services-and-enquiries

Victoria: CTP is provided by the government and included in your registration. https://www.tac.vic.gov.au

Western Australia: CTP is provided by the government and included in your registration. https://www.icwa.wa.gov.au/motor-injury-insurance/insurance-policy