If you’re driving in Queensland, legally you need to have Compulsory Third Party (CTP) insurance. It comes with your car registration and covers injuries to other people if there’s an accident. But CTP doesn’t cover damage to cars or property – for that, you might explore other cover types like Third Party Fire & Theft or Comprehensive.
If you're after more cover – say, if your car’s stolen, involved in a crash, or causes damage to someone else’s vehicle or property – we’ve got options that could work for your lifestyle and budget.
Take a closer look at Youi’s Third Party Property Only, Third Party Fire & Theft and Comprehensive car insurance policies to see what’s included for QLD drivers. For more details, read our car insurance PDS.
One difference when it comes to car insurance in QLD is how Compulsory Third Party (CTP) insurance is set up. In Queensland, CTP is included in your vehicle registration, but you have the option to choose your provider – which isn’t the case in every state.
When it comes to Third Party Property Only, Third Party Fire & Theft, and Comprehensive insurance, coverage works the same nationwide – give or take. But some local factors might influence your premium, including your exposure to severe weather events, your claims history and where your car is parked.
The cost of car insurance in QLD will depend on a few key factors, such as:
- Your age – if you’re under 25, your risk may be higher, which could mean a higher premium
- The type of car you drive – its age, market value and condition colour might impact the cost
- Your personal driving record – how long you’ve held your licence and any incurred demerit points could influence your premium
- Your location – where you live and where your car is usually parked (on the street, in a garage, or a driveway) can make a difference
- The cover you choose – from Third Party Property Only to Comprehensive, the level of cover affects the cost
- How you use your car – whether it’s for business or pleasure, it matters.
In Queensland, CTP – that’s Compulsory Third Party – car insurance is mandatory and included with your car registration. It covers injuries to others, but not vehicle or property damage.
Third Party Property Only car insurance covers damage your car causes to other people’s vehicles or property – but not your own car.
Third Party Fire & Theft includes all the cover from Third Party Property Only, plus it covers your car if it’s stolen or damaged by fire. However, it does not cover for accidental damage to your own car.
Comprehensive insurance offers the broadest cover, including damage to other people’s property and damage to your own car, whether it’s from an accident, theft1, fire2, or even insured weather events8. With Youi, it also includes 24/7 Roadside Assist4 and a range of optional covers.
Getting a car insurance quote in Queensland with Youi is simple. We’ll ask about your car, how you use it, and your driving experience – so we can help you find the right fit for your budget and lifestyle.
You can get started online – and we’ll guide you through the rest.