CTP Insurance Western Australia

What is CTP Insurance?

CTP Insurance protects you from personal injury claims should you cause a motor vehicle accident.¹ 

In Western Australia, what is commonly referred to as CTP Insurance is actually just one component of the Motor Injury Insurance Policy.² The other part of Motor Injury Insurance Policy in WA is known as Catastrophic Injuries Support (CIS).³ In Western Australia, Motor Injury Insurance Policy is compulsory and is included in your vehicle registration fee.⁴ 

Do I need additional Insurance in WA?

In WA, CTP and CIS will cover you for any injuries or even deaths caused by your car in a car accident but like in other states, it will not cover the damage caused to your car or anyone else's.⁵ These injuries could potentially cost you thousands of dollars.

If you want to be protected from paying for large repair fees, taking out additional Car Insurance on top of your compulsory Motor Injury Insurance Policy in WA could be a great way to give you extra peace of mind.

How does CTP Insurance work in WA?

The WA state government provides CTP Insurance under the Motor Injury Insurance Scheme, which is defined under the Motor Vehicle (Third Party Insurance) Act 1943 and the Motor Vehicle (Catastrophic Injuries) Act 2016.⁶ 

As with most states in Australia, the cost of Motor Injury Insurance Policy cover varies depending on the class of vehicle being registered. The Insurance Commission of WA has a breakdown of the price you can expect to pay for Motor Injury Insurance Policy based on the type of vehicle you're insuring.⁷ 

As an example, insuring a standard car with Motor Injury Insurance Policy in WA costs $479.40. per year.⁸ 

What does CTP Insurance cover in WA?

Motor Injury Insurance Policy is designed to protect you from financial liability arising from personal injury-related expenses should you or someone else driving your vehicle cause an accident. 

It covers and provides compensation for:⁹ 

• The cost of personal injury and death caused to others by any driver of the vehicle, which includes compensation for pain, suffering, economic loss, claims management expenses, medical treatment and rehabilitation.
  
• The cost of care and support for catastrophic injuries incurred by you and others (if no other driver was negligent). 

As a type of 'at-fault' insurance, CTP as part of the Motor Injury Insurance Policy is designed to reimburse victims who can establish that another driver was completely or partially at fault.  

These expenses may include treatment, care and support such as hospital costs, medical treatment, rehabilitation, long-term care and allowances for lost income.¹⁰ 

Is this basic CTP Insurance all that I need in WA?

Some drivers may think that CTP Insurance covers them for car repairs and property damage, but this is not the case.  

To make sure you're not left footing a massive repair bill after a fender bender, you may need to consider purchasing additional Car Insurance. 

Taking out an additional Comprehensive Car Insurance policy may help ensure you're covered for your own vehicle and/or damage to other people’s property, regardless of who’s at fault.

Should I get Comprehensive or Third Party Insurance?

The type of Car Insurance that’s best for you depends on your needs and budget. 

Comprehensive Car Insurance is full-spectrum coverage for total peace of mind. It can help pay for damage to vehicles and property if you cause an accident, as well as losses due to theft, fire, vandalism, acts of nature and more. 

You may also be able to choose from a range of optional benefits, such as: 

• Towing and roadside assistance. 
• Hire car reimbursement. 
• Windscreen protection. 
• Lost key replacement. 
• New vehicle replacement. 

On the other hand, Third Party Property Insurance can cover damage you cause to other people’s vehicles and property only. Since it does not pay for repairs to your own car, you might choose this type of cover if you think your car is not worth insuring. 

Third Party Fire and Theft Insurance can cover repairs to other people’s property, as well as fire damage to and theft of your vehicle (but not repairs to your vehicle). 

Without adequate Comprehensive or Third Party Car Insurance cover, you might be out of pocket for any vehicle repairs. Consider the risk in getting behind the wheel without it. 

Looking for more cover?  

iSelect makes it easy to find a Comprehensive or Third Party policy from their range of providers with the features you need at a price that fits your budget. 

Start comparing* Comprehensive Car Insurance online, or call 13 19 20 and let us try and help you find a policy.

^{Sources:
1 Government of Western Australia, Insurance Commission of Western Australia - Insurance Policy
2 Government of Western Australia, Insurance Commission of Western Australia – Insurance Policy
3 As above.
4 As above.
5 As above.  
6 Government of Western Australia - Motor Injury Insurance
7 Insurance Commission of Western Australia - Schedule of premiums
8 Government of Western Australia, Department of Transport - Motor Injury Insurance Fees, Section 1A.
9 Government of Western Australia, Department of Transport - Motor Injury Insurance Coverage
10 Insurance Commission of Western Australia - Compulsory Third Party}