Motor injury insurance

Motor injury insurance is the minimum and compulsory level of cover in Western Australia.

You automatically get motor injury insurance when you pay your registration. Since 2016, there are two components to motor injury insurance: the compulsory third party (CTP) insurance scheme, which covers the cost of personal injury and death caused to others by any driver of a licenced vehicle found to be at fault; and the catastrophic injury support (CIS) insurance scheme, which covers the cost of necessary and reasonable treatment, care and support for any person catastrophically injured in a motor vehicle crash where another driver is not found to be at fault.

This means that you’re covered if you’re held responsible for any injuries or fatalities to third parties caused in an accident. Motor injury insurance does not cover damage to cars, vehicles or property. So if you’re responsible for an accident, you could be liable for tens of thousands of dollars of damage to other cars or property if you only have motor injury insurance. It’s always worth considering additional insurance to give you extra cover, just in case.

For more information, visit the Department of Transport's Motor Insurance Injury page and FAQs.

Third party car insurance

Third party car insurance covers you for damage, legal costs and repairs to other (third party) vehicles or property in an accident.

Unless otherwise stated, third party car insurance doesn’t cover you for the cost of repairs or replacement for your own car, or the cost of replacing your car if it gets stolen.

Third party insurance may include uninsured driver cover, so if you’re in an accident with an uninsured driver who is at fault, repairs to your car could be covered up to a limit.

Third party with fire and theft

Third party fire and theft is a step up from third party car insurance, this level of insurance will cover damage to your car caused by fire or theft.

Some insurers may include uninsured driver cover, which means if you’re involved in an accident with an uninsured driver and the uninsured driver is at fault, repairs to your car could be covered up to a limit.

Comprehensive car insurance

Comprehensive car insurance is the highest level of car insurance cover. It usually covers:
  • Repair and replacement of your car due to fire, theft, malicious damage, accidental damage and weather-related damage.
  • Repair and replacement of any other vehicles or property that are damaged by your car in an accident.

Comprehensive car insurance covers you for the cost of repairs regardless of who is responsible for the damage. It costs more than other types of insurance, but gives you the most protection. Some car finance loans require comprehensive car insurance as a condition of the loan.

RAC Insurance Pty Limited issues these products. Check the PDS and TMD to see if the policy is right for you.