Motor Vehicle means any vehicle propelled by gas, oil, electricity or any other motive power, not being animal power required to be licensed, and complying with the requirements necessary for licensing under the Road Traffic Act 1974, and includes a caravan trailer or semi-trailer drawn or hauled by a motor vehicle.
Payable under the Motor Vehicle (Third Party Insurance) Act 1943. In respect of Third Party Insurance Policies commencing on or after 1 July 2008 until further notice.
| Class No. |
Class of Vehicle | Annual Premium Rate excluding 10% GST |
Annual Premium Rate including 10% GST |
|
|---|---|---|---|---|
| 1X | Motor Car - Any motor car used for private
purposes and constructed principally for the conveyance
of persons not included in Classes 2 to 8, inclusive. This class
includes Station Wagons which have a designed seating capacity
for four (4) or more persons. (Any motor car licensed under regulation 21D of the Road Traffic (Licensing) Regulations and issued with registration plates in accordance with regulation 24 (1) of those Regulations as a farm vehicle shall be entitled to a rebate of 50 per cent of this premium). |
$214.17 | $235.59 | |
| 1Z | Motor Car - Any motor car used for business
purposes and constructed principally for the conveyance
of persons not included in Classes 2 to 8, inclusive. This class
includes Station Wagons which have a designed seating capacity
for four (4) or more persons. (Any motor car licensed under regulation 21D of the Road Traffic (Licensing) Regulations and issued with registration plates in accordance with regulation 24 (1) of those Regulations as a farm vehicle shall be entitled to a rebate of 50 per cent of this premium). |
$227.35 | $250.09 | |
| 1B | Ambulance Vehicle, Fire & Emergency Services Vehicle, Undertakers Vehicle, Motor Vehicle owned and used by the Australian Red Cross Society, or a vehicle owned and used by the Cerebral Palsy Association of WA Ltd - "Ambulance Vehicle": Any motor vehicle constructed and used for the conveyance of sick or injured persons. "Fire & Emergency Services Vehicle": Any motor vehicle owned by or under the control of the Fire & Emergency Services Authority of Western Australia. 'Undertakers' Vehicles': Any motor vehicle used solely as an undertakers' hearse or mourning coach. | $104.49 | $114.95 | |
| 2X | Goods Vehicle - Any motor vehicle not included
in Classes 3 to 8, both inclusive, constructed principally for
the conveyance of goods and used for private purposes.
This class includes a wagon, utility, tractor (prime mover type). (Any wagon licensed under regulation 21D of the Road Traffic (Licensing) Regulations and issued with registration plates in accordance with regulation 24 (1) of those Regulations as a farm vehicle shall be entitled to a rebate of 50 per cent of this premium on the understanding that such vehicle will not be entitled to a further rebate under Class 2(f) and vice versa). (f) Effective for policies commencing from 1 January 2004, any vehicle within this class with tare weight of 2,500 kilos or more owned by a farmer and used solely or principally for carrying the products of, or requisites for, the owners' farming business, shall be entitled to a rebate of 50 percent of this premium. |
$197.69 | $217.46 | |
| 2Z | Goods Vehicle - Any motor vehicle not included
in Classes 3 to 8, both inclusive, constructed principally for
the conveyance of goods and used for business purposes.
This class includes a wagon, utility, tractor (prime mover type). (Any wagon licensed under regulation 21D of the Road Traffic (Licensing) Regulations and issued with registration plates in accordance with regulation 24 (1) of those Regulations as a farm vehicle shall be entitled to a rebate of 50 per cent of this premium on the understanding that such vehicle will not be entitled to a further rebate under Class 2(f) and vice versa). (f) Effective for policies commencing from 1 January 2004, any vehicle within this class with tare weight of 2,500 kilos or more owned by a farmer and used solely or principally for carrying the products of, or requisites for, the owners' farming business, shall be entitled to a rebate of 50 percent of this premium. |
$209.93 | $230.92 | |
| 3 | Hire Vehicle - (excludes any vehicle used on a not for profit basis, i.e. where only a contribution towards ordinary running costs is received by the owner/and or driver) | |||
| (a) | Any motor vehicle, other than a taxi-cab and "Hire-and-Drive-Yourself" vehicle licensed under the Road Traffic Act to carry eight or more persons principally operating on routes, the major portion of which is within the 40-kilometre radius of the GPO Perth. | $934.80 | $1028.28 | |
| (b) | Any motor vehicle, other than a taxi-cab and "Hire-and-Drive-Yourself" vehicle licensed under the Road Traffic Act to carry eight or more persons principally operating on routes, the major portion of which is outside the 40-kilometre radius of the GPO Perth. | $439.32 | $483.25 | |
| (c) | Taxi-cab (other than Peak Period Taxi-cab) principally operating within a 40-kilometre radius of the GPO Perth. | $982.35 | $1080.59 | |
| (d) | Taxi-cab principally operating outside a 40-kilometre radius of the GPO Perth. | $270.18 | $297.20 | |
| (e) | School buses, ie vehicles used primarily for the carriage of children to and from school and any other vehicle constructed similarly to an omnibus privately owned and used for conveyance of non-paying passengers | $172.75 | $190.03 | |
| (f) | Any motor vehicle used for carriage of passengers, for hire, fare or reward, not included in Classes 3 (a) to 3 (e) inclusive | $305.37 | $346.90 | |
| (g) | Hire-and-Drive-Yourself vehicle (other than motor cycles included in Class 7 (a) | $270.18 | $297.20 | |
| 4X | Motor Cycle used for private purposes Other than motor cycle included in Classes 5 (b) and 7 (a) (Any motor cycle licensed under regulation 21D of the Road Traffic (Licensing) Regulations and issued with registration plates in accordance with regulation 24 (1) of those Regulations as a farm vehicle shall be entitled to a rebate of 50 per cent of this premium.) |
$121.44 | $133.58 | |
| 4Z | Motor Cycle used for business
purposes Other than motor cycle included in Classes 5 (b) and 7 (a) …………………… (Any motor cycle licensed under regulation 21D of the Road Traffic (Licensing) Regulations and issued with registration plates in accordance with regulation 24 (1) of those Regulations as a farm vehicle shall be entitled to a rebate of 50 per cent of this premium.) |
$128.97 | $141.87 | |
| 5 | Motor Trade Vehicle (ie motor car manufacturing, garage proprietor, vendor of and/or dealer in motor cars); | |||
| (a) | Motor Vehicle not included in Classes 5 (b) and 5 (c) used by the above with identification plate attached issued under the Road Traffic Act - rate per identification plate issued | $51.78 | $56.95 | |
| (b) | Motor cycle used by the above, with identification plate attached issued under Road Traffic Act - rate per identification plate issued | $79.08 | $86.98 | |
| (c) | Tow Truck (as defined in First Schedule of Road Traffic Act); or testing plate whilst being used in accordance with section 27 of the Motor Vehicle Dealers Act 1973 | $310.80 | $341.88 | |
| 6 | Trailer, Caravan, Invalid Wheel Chair- (This class includes all vehicles issued with trailer plates, but does not include tractor (prime mover type), which is issued separately under Class 2) | $5.18 | $5.70 | |
| 7 | Miscellaneous - | |||
| (a) | Veteran Cars, Wagons and Motor Cycles - Vehicles
which are the subject of a limited Traffic Licence as a veteran
vehicle and only whilst being used in accordance with the provisions
of such licence. Farm Fire Fighting Vehicles - Any vehicle that is owned by a person engaged in the business of farming or grazing and that is fitted or adapted for the purpose of fire fighting, licensed under a limited licence, limiting it exclusively to use on a road for fire fighting purposes. Motor Cycles - Not exceeding 75 cc including such Motor Cycles that are used as a HIRE VEHICLE. Any other vehicles being a motor vehicle within the meaning of the Motor Vehicle (Third Party Insurance) Act not otherwise classified |
$15.06 | $16.57 | |
| (b) | Forklift, Tow Motor, Self-propelled Headers, Tractor (other than prime mover type but including farm type) and Tractor Plant as defined in First Schedule of Road Traffic Act and licensed as Class A or B licence under Regulations to Road Traffic Act . | $31.07 | $34.17 | |
| 8 | (a) | Tractor Plant which is licensed as Class C licence under Regulations to Road Traffic Act | $126.60 | $139.26 |
| (b) | Motor Cranes, as defined in First Schedule of Road Traffic Act | $538.95 | $592.85 | |
Vehicles insured under Vehicle Class 1X, 1Z, 2X, 2Z or 4X or 4 Z and licensed under Regulation 21D (1) of the Road Traffic Act (Licensing) Regulations and issued with registration plates in accordance with Sub regulation 1 of Regulation 24 of the Road Traffic (Licensing) Regulations as farm vehicle shall be entitled to a rebate of 50 per cent of the premium applicable to that vehicle class. Such vehicles insured under Vehicle Class 2(f) shall not be entitled to a further premium rebate and vice versa.
For Short Period Rates - the premium for any period less than 12 months shall be calculated as follows:-
NOTE:
GOODS AND SERVICES TAX (GST) - GST rate of 10% is charged on all premiums
for policies with a commencement date of 1 July 2000 onwards. GST
applies to short term fees but does not apply to stamp duty.
STAMP DUTY - Stamp duty is payable in accordance with the Stamp Act 1921 as amended.
SHORT TERM FEES (ie. any period of less than 12 months) - In addition to the premium a short term fee of 10 cents is payable except in the case of an initial licence or permit where such licence or permit is effected for the maximum period permitted by the Licensing Authority.
PERMITS - Any motor vehicle issued with a permit pursuant to Section 26 of the Road Traffic Act 1974 (or the Road Traffic (Licensing) Regulations 1975) which has a duration in excess of 48 hours, shall be entitled to a 50 per cent rebate of the insurance premium listed in this Schedule of Premiums, applicable to that class of vehicle and for the period of the permit.
PERMIT NOT EXCEEDING 48 HOURS - The fee for permits, the duration of which does not exceed 48 hours, shall be $5.00 Third Party Insurance Premium.
The table below shows a State by State comparison of compulsory third party insurance premiums for private motor cars (exc. GST).
| State | As at July 2008 |
|---|---|
| Northern Territory | $437 |
| Australian Capital Territory | $352 |
| Victoria | $378 |
| South Australia | $373 |
| Tasmania | $302 |
| New South Wales | $317* |
| Queensland | $276* |
| Western Australia | $214 |
* For Queensland and New South Wales, lowest premium on offer amongst private insurers is shown.