Car insurance in Perth

Comprehensive car insurance generally offers the most coverage for your vehicle out of the optional car insurance products available in Perth. This insurance may cover damage to your vehicle from collisions, fire and theft, as well as weather events such as thunder and hail storms. It also covers damage you cause to other vehicles and property in car accidents that are your fault.

TPFT generally covers damage you cause to other vehicles and property, as well as damage to your car in cases of fire damage and if it’s stolen. It may also cover your car if an uninsured driver damages it.

TPPD covers accidental damage you cause to other vehicles and property in a motor vehicle accident. Depending on your insurer, it may also cover damage to your own car if an uninsured driver caused it.

MII is mandatory cover for registered vehicles in WA and includes Catastrophic Injuries Support (CIS) cover and Compulsory Third Party (CTP) insurance. CTP insurance covers your legal liability for injuries caused to others in at-fault car accidents. CIS insurance covers your own medical expenses if you have a catastrophic injury (e.g. severe burns or a traumatic brain injury) in a motor vehicle accident.

The type of car insurance policy you might consider purchasing will depend on the level of cover you want. While MII is the only compulsory insurance car owners are required to have in WA, it won’t cover any vehicle or property damage.

If you’re only looking to cover the damage you cause to other vehicles and property in a motor vehicle crash, third party insurance products like TPFT and TPPD could be suitable for your situation. They may also cover damages caused by a third party to your own car in limited instances.

Conversely, comprehensive cover typically provides the most financial protection for damages to your car, as well as other vehicles and property.

Always make sure to read the relevant Product Disclosure Statement (PDS) for more details on inclusions, exclusions and policy limits. The Target Market Determination (TMD) could also help you figure out if the car insurance cover is suitable for your circumstances.

Over the 2023-24 financial year, there were 3,860 motor vehicle thefts across the Metropolitan Region of Western Australia.² Perth, Victoria Park and Fremantle had some of the region’s higher rates of vehicle theft, while suburbs like Crawley, Subiaco and Dalkeith had lower rates.

There were 114,847 motor vehicle accidents reported in Perth from 2018 to 2022.³ During the same period, there were 20,352 crashes recorded in regional WA.⁴