Victoria is the state where people are most often surprised to learn there is no CTP policy to buy. Injury cover arrives as the TAC charge inside your VicRoads registration, administered by the Transport Accident Commission, and there is no insurer to choose.
That removes one decision entirely and leaves the whole of your actual choice sitting with optional cover — which is where every dollar of vehicle damage is decided.
The TAC pays medical treatment and income support to people injured in transport accidents largely without first establishing who was at fault. That is a materially different design from the fault-based schemes elsewhere, and it means an injured Victorian driver can be supported even where they caused the crash. It also means there is nothing to compare and nothing to switch.
Because the TAC charge is bundled invisibly into registration, it is easy to believe registration has covered the car. It has not. The TAC pays nothing towards a damaged vehicle — not yours, not the one you hit. Every repair dollar comes from optional cover you buy separately.
Melbourne's density and theft rates set the baseline, but Victoria periodically sees severe hail events that write off large numbers of cars in a single afternoon. Hail is covered only by comprehensive — third party fire and theft will not respond — which makes the step down to a cheaper level a bigger gamble here than the premium difference suggests.
You are already covered for injury through the TAC charge collected with your registration, so there is no separate CTP policy to buy and no insurer to choose.
No. The TAC covers injury to people. Damage to any vehicle needs separate cover, starting with third party property damage.
Largely, yes. Medical and income support is available to people injured in transport accidents without needing to establish fault first, though fault can still matter for some common law claims.
Medicare Levy Surcharge thresholds and government rebate percentages are reviewed regularly, so this page does not quote them. For the current figures see the ATO and the government's privatehealth.gov.au.
