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What's the difference between Third Party and CTP Insurance?
Third Party Property Damage Insurance — often shortened to Third Party — is mainly intended to help you cover costs for which you might be liable if you cause damage to other people's vehicles or property while you're driving. Apia's Third Party coverage includes up to $20 million of liability coverage for such damage, as well as up to $5,000 of cover for your own vehicle if it's damaged by a collision with another vehicle driven by an uninsured driver.
Compulsory Third Party (CTP) Insurance — often called Green Slip in NSW — helps drivers cover costs related to injuries sustained by other road users after an incident on the road. So if you, say, collide with a pedestrian or cyclist, your Green Slip will help to cover things like their medical bills and lost income.