The TAC in Victoria

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Top 3 things to know about the TAC in Victoria


Compulsory insurance for Victorians

The TAC is compulsory for all vehicles registered in Victoria and is regulated by the Transport Accident Commission, an organisation owned by the Victorian Government.

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No-fault scheme

The TAC is there to cover car accident injuries regardless of fault, which means you could claim even if you were the at-fault driver.


The expenses it might cover

If you’re injured in a car accident, the TAC may cover your medical expenses, lost income and compensation for permanent injuries.

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A guide to the TAC in Victoria

Updated 30 April 2024
Written by Kenneth Young
Reviewed by Adrian Taylor

What is the TAC in Victoria?

A car driving along the Great Ocean Road.The Transport Accident Commission (TAC) charge, also known as the Transport Accident Charge, is Victoria’s Compulsory Third Party (CTP) insurance scheme. All Victorian registered vehicles must be insured by the TAC, as it covers the at-fault driver’s liability for car accident injuries and deaths on both Victorian and interstate roads.

The TAC scheme works on a no-fault basis, which means people injured in road accidents can make a TAC claim whether they’re at fault or not.1 The TAC charge is generally included in your vehicle registration fees through VicRoads.2

The Transport Accident Commission is owned by the Victorian State Government.

What does the TAC charge in Victoria cover?

The TAC may provide the following benefits if you’re injured in a motor vehicle accident.1

Medical expenses

Income support


What does the TAC charge in Victoria not cover?

Two drivers exchanging insurance information after a car accident.Like other CTP schemes around Australia, the TAC is not there to cover vehicle or property damage resulting from an accident.

To be covered for these instances, you may need to purchase comprehensive or third party car insurance. Just keep in mind that products like Third Party Fire and Theft and Third Party Property Damage will only cover your car in limited instances, but all types of car insurance can cover your liability for damages you cause to other people’s cars.

How much does the TAC charge cost in Victoria?

A van driving in the Melbourne CBD.The TAC charge you pay on your car registration may depend on the following:2

  • The type of vehicle you drive. This includes the class of vehicle you drive (e.g. passenger car, motorcycle). Vehicles with more seats generally get charged more as well.
  • Your location. The Transport Accident Commission categorises Victorian suburbs as low, medium or high risk zones. If you live in a high risk zone, you’re likely to pay more for TAC cover than someone living in a medium or low risk zone.
  • Your discount eligibility. Pensioners and trade apprentices could receive discounts on their TAC charges.

The TAC charge also includes GST and a duty.7

Meet our car insurance expert, Adrian Taylor

Adrian Taylor
Executive General Manager – General Insurance

As the Executive General Manager of General Insurance at Compare the Market, Adrian Taylor has over 13 years’ experience in the financial services industry. Adrian specialises in customer experience and is dedicated to helping customers better understand insurance products so they can save money on their household bills.

  1. Transport Accident Commission – What is a TAC claim?. Accessed 16 April 2024.
  2. Transport Accident Commission – Transport Accident Charge. Accessed 16 April 2024.
  3. Transport Accident Commission – Medical expenses and supports. Accessed 16 April 2024.
  4. Transport Accident Commission – Income support for employees. Accessed 16 April 2024.
  5. Transport Accident Commission – Common law compensation. Accessed 16 April 2024.
  6. Transport Accident Commission – Impairment benefits. Accessed 16 April 2024.
  7. Transport Accident Commission – Transport accident charges including GST and duty. Accessed 16 April 2024.