Compare Car Insurance Western Australia

That’s up to you! While it’s illegal to drive without CTP in Western Australia, you get to decide how much additional coverage to purchase. Just keep in mind that even a super-safe driver can get into an accident and bust up someone else’s vehicle or property, which is why so many people opt for additional Car Insurance. 

Have a think about whether you’d be able to repair your car if it was damaged in an accident? If you think you might need some help footing the bill, then it might be worth looking at Comprehensive Car Insurance. You’ll find more information about what is and isn’t covered on a specific policy in the insurer’s Product Disclosure Statement (PDS). 

During the 2020–21 financial year, there were 5,635 car thefts in WA, which comes out to about 2.38 vehicle thefts for every 1,000 registered cars on the road.^{4National Motor Vehicle Theft Reduction Council – Dashboard} Other than Broome, which had 263 thefts, these were all spread around Greater Perth.^{5As above} If you’re a Perthian, you could look at this as bad news or as good news: whether you’re north or south of the Narrows, there’s no need to cross it; your chances of getting your car stolen are fairly similar either way.

Source: National Motor Vehicle Theft Reduction Council – Dashboard

This comes down to the terms of your policy. That being said, you’re most likely to find this as an optional extra in Comprehensive Car Insurance. It might cost you a bit more on your premium, but it could be worthwhile if more choice is important to you.

Some insurers cover off-road driving. However, there could be a lot of conditions attached to this concession: they might only allow it if the vehicle is specifically designed for off-road driving, and they might require that the car is only driven in conditions that follow the manufacturer’s guidelines.

As always, it’s a good idea to check the Product Disclosure Statement (PDS) to check the terms of your policy. If the PDS doesn’t mention this information, you might need to speak to the insurer directly.

It’s also worth thinking about where you’ll be driving off-road and making sure it’s a legal off-road area. WA laws are pretty specific about where off-road driving is allowed, and if you drive outside those areas you’re unlikely to be covered by insurance.^{6Stella – Comprehensive Car Insurance Product Disclosure Statement, p21}

No, not based on the premiums our customers pay. For Comprehensive Car Insurance, iSelect customers in Western Australia appear to pay less than any other state or territory. From August 2021 to July 2022, this figure came to an average of $632 a year.^{7Average Comprehensive Car Insurance premiums for iSelect customers, August 2021 – July 2022}

There are a few ways you might be able to reduce how much you pay for Car Insurance. These include: 

• Increasing your Excess: An Excess is how much you agree to pay out of pocket when you make a claim. The more you agree to pay, the lower your premiums will usually be.
  
• Parking your car in a safe area: Some insurers may offer a lower premium if you park your car in a garage instead of on the side of the road.^{8pd.com.au – How Much Does Car Insurance Cost for a New Driver}
• Maintaining a good record: Some insurers offer a no-claims discount on Comprehensive Car Insurance. Generally, it means you’ll get a discount that increases each year you don’t make an at-fault claim. The discount can also max out after a certain point (such as five years).^{9Virgin Money – Car Insurance Premium, Excess and Discount Guide, p2}
• Installing security features: Some insurers will reduce your premium if your car has security features installed, such as alarms.^{10Budget Direct – How Much Does Car Insurance Cost?}
• Accepting driver restrictions: Depending on your policy, you might be able to restrict your policy to drivers over a certain age in exchange for lower premiums.^{11As above}
• Driving less: Certain insurers offer policies with lower premiums for people who don’t drive all that much. For example, this could include policies for people who drive less than 10,000 kilometres a year.^{12Budget Direct – How to Save on Car Insurance}

It depends on your level of cover as well as the specific terms of your policy. However, many Comprehensive Car Insurance Policies will pay for your repairs in the event of a bushfire or flood.^{13Moneysmart.gov.au – Choosing car insurance} Just bear in mind that some providers might apply a waiting period before your cover kicks in for natural disasters, so check your Product Disclosure Statement (PDS) to see how long this waiting period lasts – or whether it applies at all.