CTP insurance in WA

Do I need CTP insurance in Western Australia?

Yes! It’s compulsory third party insurance, and it’s mandatory.

This is type type of car insurance that covers injuries sustained on the road in motor vehicle accidents.

How CTP insurance work in WA

The scheme is centrally managed by the Insurance Commissioner of Western Australia (ICWA). Whenever you register a road vehicle, or renew registration, a portion of the fees go towards paying for your CTP insurance.

It’s a fault based system, which means claiming your compensation, such as medical fees, rehabilitation costs, compensation for pain and suffering and loss of income as a result of the accident, is all about finding another party to be responsible.

The faulted party might be another motorist, a cyclist or a passenger who was in the car at the time.

The at-fault party will generally be on their own, and will not be able to claim compensation for injuries under this scheme.

The exception is catastrophic injuries which will typically require a lifetime of care, or have resulted in severe and permanent disability.

As of 1 July 2016, at-fault parties can now claim expenses for catastrophic injuries under this scheme.

Do I need any other cover

CTP insurance is the only mandatory type of car insurance, but it will not cover property damage, or damage to your own vehicle.

To cover liability for damage to other people’s property, you will need third party property car insurance.

To cover damage to your own vehicle, you will typically need comprehensive car insurance.

Learn more about your additional cover options here

Need more cover? Try one of these policies...

Details Features
Comprehensive
Comprehensive
Save 24% on your policy if you've been claim free for 3 years.
  • Discounts: No
  • Pay monthly at an extra cost
  • Hire car after theft: Yes - up to $50 a day
  • Choice of repairer: No
  • Roadside assistance: No
Get Quote More info
Comprehensive
Comprehensive
Save up to 15% when you buy online.
  • Discounts: Buy online and save 15%
  • Pay monthly at an extra cost
  • Hire car after theft: Yes - up to $1,000 (limit 14 days)
  • Choice of repairer: Yes
  • Roadside assistance: Optional
Get Quote More info
Comprehensive
Comprehensive
Buy online and save up to 10%. Price-beat guarantee for drivers aged over 25.
  • Discounts: Buy online and save up to 10%
  • Pay monthly at no extra cost
  • Hire car after theft: Yes - up to $70 a day for up to 14 days
  • Choice of repairer: No
  • Roadside assistance: Optional
Get Quote More info
Comprehensive
Comprehensive
Complete a quote but don't end up switching? You'll still get 100 YouiDollars.
  • Discounts: Chance for 100 YouiDollars
  • Pay monthly at an extra cost
  • Hire car after theft: Yes - Reasonable costs for 14 days
  • Choice of repairer: Yes
  • Roadside assistance: Yes
Get Quote More info
Comprehensive
Comprehensive
Buy online and save up to 10% on your policy.
  • Discounts: Save up to 10% when you buy online
  • Pay monthly at no extra cost
  • Hire car after theft: Yes - up to $70 a day for 14 days
  • Choice of repairer: No
  • Roadside assistance: Optional
Get Quote More info
Price Saver (Comprehensive)
Price Saver (Comprehensive)
New customers can receive up to 10,000 Velocity Frequent Flyer points. Ends 31 March 2018. T&CS apply.
  • Discounts: Buy online and save 15%
  • Pay monthly at an extra cost
  • Hire car after theft: Yes - up to $1,000 (limit 14 days)
  • Choice of repairer: Yes
  • Roadside assistance: Optional
Get Quote More info
Comprehensive
Comprehensive
Transforms your driving so it's 100% carbon neutral.
  • Discounts: No
  • Pay monthly at no extra cost
  • Hire car after theft: Yes - up to $70 a day for up to 14 days
  • Choice of repairer: No
  • Roadside assistance: No
Get Quote More info
Comprehensive
Comprehensive
Save up to 10% when you buy online.
  • Discounts: Buy online and save up to 10%
  • Pay monthly at no extra cost
  • Hire car after theft: Yes - up to $100 a day for up to 30 days
  • Choice of repairer: Yes
  • Roadside assistance: No
Get Quote More info
Comprehensive - Elegant Cover
Comprehensive - Elegant Cover
Save up to 20% when you purchase online.
  • Discounts: Save up to 20% when you purchase online
  • Pay monthly at an extra cost
  • Hire car after theft: Yes - up to $60 a day for up to 14 days
  • Choice of repairer: No
  • Roadside assistance: Optional
Get Quote More info

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Andrew Munro

Andrew writes for finder.com, comparing products, writing guides and looking for new ways to help people make smart decisions. He's a fan of insurance, business news and cryptocurrency.

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