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Car Insurance Victoria (VIC)

Compulsory Car Insurance in VIC

In VIC it is a requirement for the registration of your car that you have Compulsory Third Party (CTP) Car Insurance. CTP car insurance is an insurance policy that provides cover for personal injuries caused due to an accident involving your vehicle. It is the bare minimum requirement of motor insurance and does not protect you against damage to your property or the property of a third party. In Victoria Compulsory third party car insurance premiums are included in the cost of your vehicle registration. This means that drivers in Victoria do not have a choice in CTP insurance providers. The amount of car insurance premium you pay of CTP insurance will depend on your vehicle use, type and storage details.

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Optional Car Insurance

Optional car insurance policies include Third Party Property Damage, Third Party Fire and Theft cover and Comprehensive cover. Most drivers in VIC hold a form of optional car insurance in addition to their CTP to give them that added protection and peace of mind. The type of additional cover you purchase depends on your personal needs and circumstances. You can purchase policies that can range from protecting you against damage to your property, to cover for legal liability. Most insurers today offer a ‘tailored’ approach to creating your policy to let you choose the level of cover you need. Comprehensive car insurance is the most popular policy which provide cover for a large range of damage to you and your property. The car insurance premiums you pay on your optional policies will depend on various risk factors and government charges.


Nothing in this car insurance comparison service should be taken as constituting personal advice. It has been prepared without taking account of your objectives, financial situation or needs. Before you buy a car insurance policy you should consider whether it is right for you. Whilst policy features are listed here, it is only a summary and does not describe all policy details. Be sure to read the insurer's Financial Services Guide and Product Disclosure Statement before deciding to buy. Quotes are estimates of premiums of our participating providers. As with all insurance premiums, these are subject to underwriting and may change. See InfoChoice's Financial Service Guide. InfoChoice Pty Ltd ABN 93 061 105 735 AFSL No. 349445

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