Compulsory Third Party (CTP) insurance is (as the name suggests) compulsory car insurance in Western Australia, as it protects you from the financial impact of causing injury or death to others as the result of a motor accident where you’re at fault.7 You can pay for your CTP car insurance in Western Australia when you register your vehicle with the Department of Transport.
Youi Comprehensive car insurance is (unsurprisingly) the most comprehensive level of cover we offer, providing protection from things including accidental damage, theft, fire, and most severe weather events like storms, floods, hail and earthquakes.3
Yes, Compulsory Third Party (CTP) insurance is mandatory in Western Australia and can be paid when you register your vehicle with the Department of Transport.8
This is a complicated question and largely depends on your personal circumstances. However, there are a couple of things you might want to consider that could lower the cost of your car insurance in Perth or wider WA.
- Restrict the age of the people driving your car. Drivers under the age of 25 may be subject to an additional excess.3
- Increase your excess. You can reduce your premium by having a higher excess, but this means you’ll pay more when you have to claim.3
Insurance is generally all about assessing risk, and different areas of WA come with different levels of risk when it comes to damage, theft, fire, storms, and other insured events. The higher the risk level of the area you live in, the higher your insurance premium will likely be, as the more likely it is that you’ll be affected by an insured event and need to make a claim.
In Western Australia, CTP insurance premiums are included as part of your registration fee whenever you register a vehicle or pay a renewal notice.8 Other types of cover, such as Comprehensive car insurance, Third Party Fire & Theft insurance, and Third Party Property Only insurance are not included with your registration and need to be paid for separately if you choose to purchase any of them.