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CTP insurance in WA

Do I need CTP insurance in Western Australia?


Fact checked

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...

Name Product Roadside Assistance Accidental Damage Storm Choice of Repairer Agreed or Market Value
Budget Direct Comprehensive
Agreed or Market
Our 2019 Finder Award winner for Best Value Car Insurance.
Qantas Comprehensive
Agreed or Market
Earn up to 20,000 Qantas Points when you sign up. Points awarded will be based on your premium. T&Cs apply.
Youi Comprehensive
Agreed or Market
Emergency roadside assistance included in Comprehensive policies.
Stella Comprehensive
Bingle Comprehensive
Simple and affordable car insurance.
Coles Comprehensive
Agreed or Market
Save 10% when you buy online + collect double flybuys points at Coles Supermarkets. T&Cs apply.
Virgin Comprehensive
Grab a $100 e-Gift card when you purchase a new eligible Virgin Car Insurance policy by 30 September 2020. You’ll also save 15%. T&C's Apply.
Poncho Comprehensive
Temporary 30% reduction in your premium to help ease COVID pressure.
Real Comprehensive
Save up to 10% when you buy online.
Kogan Comprehensive
Save up to 10% when you buy online + $50 Credit.

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