What is CTP?
Every car used on a public road must have valid Compulsory Third Party (CTP) insurance that provides coverage for your liability for causing the death of, or injury to any other person, including passengers.
CTP provides cover for bodily injuries only. CTP does not protect you against any claim for property damage, i.e. damage to your own car or other people's property.
What can I claim?
The amount of compensation payable under the CTP scheme depends on the type and extent of your injuries and your particular circumstances. Typically, your claim could include the cost of medical treatment, rehabilitation, loss of income, cost of care and support services.
What if I'm at-fault?
Where you are totally at-fault, you are not eligible for any benefit under the scheme. Where you are partially at-fault, you may claim for compensation but the compensation may be reduced.
What if I'm not at-fault?
If you are injured in an accident that is caused by the driver of another car, then you may claim for the benefits as allowed under the CTP scheme. Your compensation may be reduced if you are partially at-fault.
Do I need to buy more insurance if I drive for Uber?
The CTP scheme does not pay for any property damage such as damage to your car or another car. Uber requires all Driver Partners to have at least third party property insurance to cover liability that you may incur for damage caused to another person's property. You are also encouraged to purchase comprehensive insurance cover, so that you will be protected for your own car's damage if an accident occurs.