Third party insurance
What is the Compulsory Third Party Insurance on my vehicle licence?
Third Party Insurance is a compulsory part of your vehicle registration. Third Party Insurance is issued under the Motor Vehicle (Third Party Insurance ) Act (1943) and agrees to insure the driver of the vehicle against personal injury to other parties.
In Western Australia, the Insurance Commission of Western Australia is the only provider of Compulsory Third Party Insurance. Policy details are on the back of your vehicle licence.
What does it cover?
The Compulsory Third Party Insurance policy gives you unlimited protection in the event that a claim for personal injury or death is made against you as a result of your negligent driving. It does not however cover you for damage to any vehicles or property.
Your Compulsory Third Party Insurance policy gives you another benefit too. If you are injured due to the negligence of another driver, and can prove that negligence, your medical and associated expenses will be met under the terms of the policy.
There are conditions that apply to Third Party Insurance. You will find the conditions and warranties written on the back of your vehicle registration papers.
The Third Party Insurance coverage on all vehicle registrations lapses fifteen days after the registration expiry date, payment must be made within this period. You will not be insured after this time and the vehicle cannot be driven.
The account for certain types of vehicles requires the owner to choose between Private And Standard Rate options. If the wrong rate is paid and the vehicle is at default in an accident, then you, as the owner described in the vehicle licence issued may be in breach of the policy of insurance. This may then result in a recovery action by the Insurance Commission of Western Australia, against you, for the costs of settling that personal injury claim, in accordance with the Motor Vehicle (Third Party Insurance) Act 1943.
Third party insurance premiums fees
