Can I drive a new car without insurance?

It is illegal to drive any car in Australia, new or used, without compulsory third party insurance.

The only time you can possibly legally drive an uninsured car is when you have to get the vehicle registered. 

You should drive straight to an inspection station or your state's nearest vehicle registry office. You must ensure that you take the most direct or convenient route possible. In most states, you’re required to have your CTP insurance completed and paid for before you drive the car off the dealership’s lot.

What is compulsory third party car insurance?

Compulsory third party (CTP) insurance is mandatory for anyone who wants to register a vehicle in Australia.

If you’re responsible for a car accident, your CTP insurance will be used to pay any compensation if anyone is injured or killed. If another party causes the accident, their CTP insurance will compensate any victims.

It’s important to note that CTP insurance does not cover vehicle damage or theft - that requires separate  insurance.

Although CTP insurance is compulsory throughout Australia, conditions vary from state to state. Follow the links below to find out more information regarding your state’s CTP scheme:

• New South Wales
• Victoria
• Queensland
• Western Australia
• South Australia
• Tasmania
• ACT
• Northern Territory

Your compulsory third party insurance (CTP or green slip) isn’t valid until your car is registered.

Driving an unregistered or uninsured vehicle can have severe legal repercussions. If you are involved in an accident, and are driving an unregistered or uninsured vehicle, you will be personally liable to pay compensation to anyone hurt, as well as damages. 

If you are caught driving a vehicle without insurance you may be fined, have your licence revoked for a set period of time, or potentially have your vehicle seized.

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