Motor and CTP
Three levels of cover for damage, and a plain explanation of the compulsory scheme that sits underneath all of them and covers none of it.
Three levels, and the floor is not zero
Every level below comprehensive is a decision to carry your own vehicle damage. That can be the right call on an old car. It is rarely the right call on a financed one.
Comprehensive
Damage to your car and to other people property, plus theft, fire, storm, hail and flood. Choice of your own repairer or ours.
- Your vehicle
- Other people property
- Theft and fire
- Storm, hail and flood
Third party fire and theft
Damage you do to other people property, plus your own vehicle if it is stolen or burns. Nothing for a collision you cause.
- Other people property
- Theft and fire
- Limited own damage
Third party property
Damage you do to other people property and vehicles. Your own car is on you. The floor most people should not go below.
- Other people property
CTP covers people. It does not cover cars.
This is the single most common misunderstanding we hear on the phone. Compulsory Third Party insurance pays for injury. It will not put a panel on your car or on anybody else's.
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New South Wales
Green SlipCTP is called a Green Slip in NSW and you buy it separately from an approved insurer before you can register. It covers injury to people, including yourself in many circumstances. It does not cover any vehicle damage at all.
Cover in New South Wales -
Queensland
Included with registrationCTP is bundled into your registration payment, and you nominate one of the licensed CTP insurers when you register or renew. It covers injury to other people where you are at fault. Again, no vehicle damage.
Cover in Queensland -
Victoria
TAC chargeVictoria runs a single scheme. The TAC charge is collected with your registration, and it covers treatment and income support for people injured in a transport accident, no matter who was at fault. It does not touch vehicle damage.
Cover in Victoria
Wattle does not issue CTP or Green Slips. We write the damage cover that sits on top of them, and we will tell you plainly when the compulsory scheme in your state already does the thing you are asking us to price.
What comprehensive does, and where it stops
Comprehensive cover
Covered
- Collision and accidental damage, whoever was at fault
- Theft of the vehicle, and attempted theft damage
- Fire, including bushfire, and malicious damage
- Storm, hail and flood damage to the vehicle
- Damage to other people vehicles and property, to $20 million
- Emergency transport and accommodation if you cannot drive away
- Child seats, capped baby capsules and personal items in the car, to a sub-limit
- A new vehicle of the same series if it is written off in the first two years
Not covered
- Wear and tear, mechanical failure, and tyre damage from ordinary use
- Driving while over the legal alcohol limit or affected by drugs
- Driving without a current licence for that class of vehicle
- Use for hire and reward, including rideshare, unless declared and rated
- Racing, track days, and off-road competition
- Loss of value after a repair
Excesses that can stack
Covered
- One basic excess per claim, printed in figures on your certificate
- No excess at all when a not-at-fault claim names the other driver and their insurer
- Windscreen option that removes the excess on one glass claim a year
Not covered
- An age excess applies to drivers under 25 in addition to the basic excess
- An unlisted driver excess applies to anyone not named on the policy
- An imposed excess applies where we have told you in writing that it does
Hail is the claim nobody plans for
A single supercell can total more vehicles in twenty minutes than a whole year of collisions. Comprehensive covers it. The two levels below it do not.
- One excess when the same storm damages your home and your car, because it is one event.
- Paintless dent repair where the panel can be saved, replacement where it cannot.
- Hire car cover keeps running through a catastrophe queue, not just the first fourteen days.
Motor, asked and answered
What is an excess, and when do I pay it?
An excess is the amount you contribute to a claim. On most Wattle policies you pay it once per claim, and if we are settling by payment we simply subtract it. Some events carry an additional excess, for example an earthquake excess, or a young driver excess on motor. Every excess that applies to you is printed on your certificate of insurance in figures, not buried in a schedule.
What is the difference between comprehensive, third party property, and CTP?
CTP, called a Green Slip in New South Wales, covers injury to people. It is compulsory and in most states it is attached to your registration. Third party property covers damage your vehicle does to someone else property. Comprehensive covers that plus damage to your own vehicle, theft, fire and storm. CTP does not cover any vehicle damage at all, which is the single most common misunderstanding we hear on the phone.
Can I choose my own repairer?
On motor, yes. You can nominate your own repairer and we will work with them on price and parts, or you can use one of our authorised repairers and take the lifetime workmanship guarantee that comes with it. On property, we will normally appoint a builder from our panel because that is how we control both the price and the timeline, but you may put forward your own and we will assess their quote.
Cover by state: Queensland, New South Wales, Victoria. Or ring 1300 928 853.
Price a car in four minutes
Comprehensive, third party fire and theft, or third party property. The figure includes GST and your state stamp duty.