Types of Car Insurance in WA
Compulsory Third Party (CTP): Included in your WA registration. Covers injury to other people in an accident you cause. Does not cover property damage or your own vehicle.
Third Party Property: Covers damage you cause to other people's property (vehicles, buildings). The most affordable voluntary option.
Third Party, Fire & Theft: Adds fire and theft coverage to third party property. A good middle-ground for older vehicles.
Comprehensive: Covers your vehicle, other vehicles, property damage, fire, theft, and often includes windscreen cover, hire car, and roadside assistance. Recommended for vehicles worth over $10,000.
Factors Affecting Premiums in Perth
Your age, driving history, suburb (Armadale and Rockingham attract higher premiums), vehicle value, security features, and annual kilometres all impact your premium.
Tips to Reduce Premiums
Increase your excess, install a tracking device, park in a garage, limit named drivers, and compare quotes from at least 4 providers. Combining car and home insurance can save 10-15%.