Insurance policy

When you pay your car registration (vehicle licence), you also pay for motor injury insurance for:

  • Compulsory Third Party
  • Catastrophic Injuries Support Scheme.

Your car registration and motor injury insurance must be renewed each year and be current when you or anyone else drives your car.

You can find out what insurance you are required to pay in the premium schedule 2024-25.

Here is where you will find your Motor Injury Insurance details on your Car Rego renewal.

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Compulsory Third Party

Your insurance policy protects you against liability for the cost of personal injury and death caused to others in Australia by any driver of your registered vehicle, which includes compensation for:

  • pain and suffering
  • past and economic loss
  • claims management expenses
  • care and support (including medical treatment and rehabilitation).

An injured person can claim against the policy if you or someone else driving your motor vehicle was completely or partially at fault in a crash. Having this insurance ensures they can get treatment and compensation to help them recover.

Catastrophic Injuries Support Scheme

Your insurance policy covers the cost of necessary and reasonable care and support (including medical treatment and rehabilitation) for catastrophic injuries sustained in a motor vehicle crash in Western Australia.

It covers you when you were driving, and you are catastrophically injured if no other driver in the crash is negligent. If they were at fault, you would be covered under their Compulsory Third Party policy.

Your insurance policy also covers someone else catastrophically injured if no driver in the crash is negligent.

Learn how the scheme is supporting Western Australians with catastrophic injuries.

What is not included in your policy

The cost of damage caused to vehicles or other property from a motor vehicle crash.

The cost of non-catastrophic injuries where no other driver is negligent in the crash.

Your obligations

For the policy to be valid:

  1. your registration must be paid
  2. you must report all motor vehicle crashes causing injury or death to us and the WA Police via crashreport.wa.gov.au
  3. you or any driver of your vehicle must not:
    1. use the vehicle for any other purpose not stated in your vehicle licence application
    2. drive the vehicle in an unsafe or damaged condition
    3. drive under the influence of alcohol or illicit drugs
    4. drive the vehicle without the appropriate driver's licence.

Full details of the policy can be found in the Motor Vehicle (Third Party Insurance) Act 1943.

To pay or renew your registration and insurance, visit Department of Transport.