Looking for top quality comprehensive car insurance cover in WA that doesn’t cost an arm and a leg? Mozo compares a range of comprehensive car insurance policies available - start now!
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Last updated 25 December 2024Important disclosures
Important information on terms, conditions and sub-limits.
Disclaimer
Important information on terms, conditions and sub-limits
Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
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Comprehensive Car Insurance
Youi like to get to know you from the very first conversation, which provides you with the opportunity to find comprehensive car insurance cover that could better suit your lifestyle and your needs. Because we’re all individuals, so we all use our cars differently from day-to-day. Youi is car insurance that’s a bit more you-shaped. Mozo People's Choice Excellent Customer Service Car Insurance award winner in 2024.
Youi like to get to know you from the very first conversation, which provides you with the opportunity to find comprehensive car insurance cover that could better suit your lifestyle and your needs. Because we’re all individuals, so we all use our cars differently from day-to-day. Youi is car insurance that’s a bit more you-shaped. Mozo People's Choice Excellent Customer Service Car Insurance award winner in 2024.
New car if written off
Yes - within 2 years and a listed driver is the first registered owner
Rental car after theft
Yes - Up to 14 days.
Rental car after accident
Not at fault - Yes. At fault - Optional Extra. Up to 14 days.
Windscreen cover
Yes - standard excess. Option to reduce windscreen excess to $50 for an additional premium.
Modifications
Covered only if agreed in writing.
Young driver excess imposed
Unlisted and aged 25 and over: $700, Unlisted and aged under 25: $2,000, Listed and aged under 25: $600
Roadside assistance
Yes
Other benefits
-
Other restrictions
-
States where offered
SA VIC TAS NSW ACT QLD WA
Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
QBE’s Comprehensive Car Insurance covers you for things like accident damage, fire and theft. Enjoy three year new car replacement. Get a hire car if you’re not at fault. Repair guarantee. Save $75 when you apply online.
QBE’s Comprehensive Car Insurance covers you for things like accident damage, fire and theft. Enjoy three year new car replacement. Get a hire car if you’re not at fault. Repair guarantee. Save $75 when you apply online.
New car if written off
Yes - within 3 years and 60,000 km of original registration
Rental car after theft
Yes - Up to 14 days.
Rental car after accident
Not at fault - yes. At fault - Optional Extra. Up to 14 days.
Windscreen cover
Yes - standard excess ($0 excess for repair only). Option to reduce windscreen replacement excess to $0 for an additional premium.
Modifications
Automatically covered.
Young driver excess imposed
$700 for listed drivers under 25, $2,000 for unlisted drivers under 25.
Roadside assistance
No
Other benefits
-
Other restrictions
-
States where offered
SA VIC NT TAS NSW ACT QLD WA
Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
Get award winning Car Insurance. Save 15% ^ on your first year’s premium when you purchase a new policy online. Budget Direct offers tailor-made cover, new-for-old replacement, 24/7 claims, a highly-rated claims service, and get a hire car following a theft.
Get award winning Car Insurance. Save 15% ^ on your first year’s premium when you purchase a new policy online. Budget Direct offers tailor-made cover, new-for-old replacement, 24/7 claims, a highly-rated claims service, and get a hire car following a theft.
New car if written off
Yes - within 2 years or 40,000 kilometres of original registration, whichever comes first
Rental car after theft
Yes - Up to 14 days, max $1,000 total.
Rental car after accident
Not at fault - Yes. At fault - Optional Extra. Up to 14 days for at fault accidents.
Windscreen cover
Yes - standard excess. Option to reduce windscreen excess to $40 on every windscreen claim for an additional premium.
Modifications
Covered only if agreed in writing.
Young driver excess imposed
$600 for drivers under 21, $500 for drivers under 24, $600 for unlisted drivers, $500 for inexperienced drivers.
Roadside assistance
Optional Extra
Other benefits
-
Other restrictions
-
States where offered
SA VIC TAS NSW ACT QLD WA
Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
ROLLiN’ offers affordable monthly comprehensive car insurance with its favourite extras included. No additional excess for young drivers, lodge a claim 24/7 and zero cancellation fees. Hire car is included up to $80 per day for up to 21 days; cover for one tow to our nearest authorised repairer, following a covered incident. No excess on your first covered windscreen, sunroof, and window glass damage once per insurance period. List multiple cars and drivers under the one policy as long as they fit the underwriting criteria (excludes Safe ’n Save policies).
Monthly premiums
Yes
Choice of repairer
No
Choice of excess
$800 Flat Excess Fee
Agreed or market value
Agreed
Available discounts
Get 10% Off The Base Premium For The First 2 Consecutive Monthly Policies And Up To A 15% Potential Monthly Discount From Your 3rd Month For Being A Safer Driver. Minimum Premiums May Apply. T&Cs Apply.
ROLLiN’ offers affordable monthly comprehensive car insurance with its favourite extras included. No additional excess for young drivers, lodge a claim 24/7 and zero cancellation fees. Hire car is included up to $80 per day for up to 21 days; cover for one tow to our nearest authorised repairer, following a covered incident. No excess on your first covered windscreen, sunroof, and window glass damage once per insurance period. List multiple cars and drivers under the one policy as long as they fit the underwriting criteria (excludes Safe ’n Save policies).
New car if written off
Yes - within 15,000km of original registration
Rental car after theft
Yes - Up to 21 days, max $80 per day after a covered event
Rental car after accident
Yes - Up to 21 days, max $80 per day after a covered event
Windscreen cover
Yes - one claim can be made per Insurance Period, with $0 windscreen excess
Modifications
Covered only if agreed in writing.
Young driver excess imposed
No additional excess for young drivers. $3,000 for unlisted drivers
Roadside assistance
No
Other benefits
Optional benefit to boost the Single Car Value by 15%, it will be shown on your Insurance Certificate
Other restrictions
-
States where offered
SA VIC NT TAS NSW ACT QLD WA
Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
*Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
Car insurance resources
Reviews, news, tips and guides to help find the best car insurance for you.
Finding your perfect car insurance policy in Western Australia
Whether you regularly take in the stunning Indian Ocean Drive views, head outback on dirt roads, or prefer Perth’s smoother CBD, you’re going to want a comprehensive car insurance policy to cover your ride.
At Mozo we make it easy for you to get the most appropriate comprehensive car insurance policy for your circumstances via our comparison tables and tools. For example, in Western Australia the number of unsealed roads mean you might value glass cover to protect your windscreen a little more than your compatriots in the eastern states.
It's always wise to do a little homework before you start comparing car insurance policies to brush up on some of the technical terms you might come across while shopping around. So, we’ve compiled a list of frequently asked questions from road users in Australia’s most western state.
What kind of insurance do you need to legally drive in Western Australia?
As is the case in all Aussie states and territories, you'll need Compulsory Third Party (CTP) insurance to legally drive on Western Australian roads. You might know it as a 'greenslip'. Providers offering this kind of compulsory insurance and the details of the policy varies depending on which state or territory you register your car in.
In Western Australia, CTP is a type of ‘at fault’ insurance, meaning it only provides compensation to you, passengers in your car and anyone else like pedestrians who are injured if you are not the driver at fault. If you are, you'll only be able to make a CTP claim if you sustain catastrophic injuries.
The sole provider of CTP in WA is the Insurance Commission of Western Australia (ICWA). It's included in your registration costs when you take out a WA motor vehicle licence. Remember: CTP doesn't cover any damages to your car or others.
What are the other levels of car insurance available in WA?
There are different types of policies and levels of cover available which you'll need to consider when shopping around:
Comprehensive: Comprehensive car insurance provides the highest level of cover, protecting your vehicle in a range of circumstances and providing additional benefits. Once you pay the excess on an insurable claim, the cost of replacing or repairing your car as well as any damage you’ve caused to another person’s car or property can be covered.
Third party property damage: Third party insurance is a basic level of cover which only deals with other people's cars or property when you cause an accident. A third party policy won’t cover repairs to your own car – this is the main difference between comprehensive and third party insurance.
Third party fire and theft: This is like the next level of third party insurance, and as the name suggests, it also covers repairs or losses in case your car is damaged by fire or stolen. Car owners parking in the street overnight or driving in areas with higher crime rates might consider this option.
How can I save on my comprehensive car insurance in WA?
One of the easiest ways to save on your comprehensive car insurance premium in Western Australia is through a no claims bonus. The system is pretty simple: the longer you go without making a claim against your car insurance policy, the more money you save. These bonuses are transferable between WA car insurance providers.
While this is a popular way to save, it isn’t the only option for motorists. Check out a range of discounts that could potentially be applied to your premium below.
Multi-policy discount
Consider taking out a car insurance policy with the same insurance provider you use for your home insurance and you could be rewarded with discounts for having more than one policy with them.
Online discount
Since it saves them time and manpower, many providers will put money back in your wallet for taking out a policy via the world wide web.
Restricted driver discount
The more drivers listed on your policy, the pricier your premium. Conversely, some insurance companies in Western Australia will give you the chance to save simply by restricting the amount of people who will get behind the wheel of your car.
Family discount
You may be able to nab a discount on your own policy if your parents have a car insurance policy with the same provider. So this is a good one for first-time car owners.
Loyalty discount
If you’ve kept your comprehensive car insurance policy with the same company for a few years you could be entitled to a loyalty discount.
Fuel efficient discount
If you took the environment into account when buying your new car, look out for policies that will reward your socially-conscious ways. A fuel efficient or a green electric car could help you save on insurance
What car insurance features should WA drivers look for?
Each car insurance policy may have a slightly different range of benefits and coverage covers. Under a comprehensive car insurance policy, you’ll often be covered for:
Damage to another driver’s car when you are at fault in an accident
Damage to your car in an accident
Accidental damage
Fire damage
Theft and attempted theft of your car
Vandalism and malicious damage to your car
Emergency repairs
Towing costs in an emergency
Damage to your personal property in your car
Are there any car insurance optional extras to consider in WA?
Some common optional extras you might want to look out for as a Western Australian driver are:
Excess-free windscreen cover (great if you live in rural WA and might need semi-regular windscreen repairs from driving on unsealed roads)
Rental car after accident
Modifications
24-hour roadside assist
No claims bonus protection (this is a veil of protection added onto your clean driving record, keeping it intact if you ever make a claim)
How can crime and car accidents in WA affect car insurance?
Like most car insurance policies, your Western Australian cover can be affected by where you live (and where you park your car) as different areas have different levels of crime and road incidents, and therefore come with higher risk.
Fatalities on WA roads
In 2020, 155 people died on WA roads (down from 164 deaths in 2019), according to the Western Australia Road Safety Commission .* Of these fatalities 62 occurred in metropolitan areas and 93 were on regional roads. When driving in rural or regional areas of WA, wildlife, wandering cattle, unsealed roads and low lighting can increase crash risk, so drivers must remain vigilant.
The 2019 summary of road deaths in WA shows the 2020 figure is the lowest number of lives lost while driving in the state since 1961, and reveals an overarching downward trend in road fatalities since 2008.**
This data also shows the majority (53%) of fatalities involved motorcycles, almost a third of deaths were related to speeding, 20% involved alcohol consumption, and 12% were the result of fatigue.
Car thefts in WA
Across the 2019/2020 calendar year, there were 6,057 motor vehicle thefts in Western Australia, which accounted for 11.5% of car theft across the country.^
These statistics are tracked by the National Motor Vehicle Theft Reduction Council and show a 22% decrease in theft compared to the previous year. Stirling, Swan and Wanneroo were the top three theft hotspots in this period, but still saw significant theft reductions.^^
If you're considering living in these areas (or anywhere with a higher crime rate of other types), insuring your car for theft, fire and malicious damage is advisable. This is generally covered in a comprehensive car insurance policy. Also consider parking your car on your property or in a garage, as this can potentially reduce the likelihood of theft or damage (and even reduce your car insurance premium).
How do I find the best car insurance in WA?
When looking for Australia’s best car insurance, you want to look for the one that suits you the best. A good place to start is by checking out the winners in the Exceptional Value and Exceptional Quality categories in the latest Mozo Experts Choice Car Insurance Awards for 2023.
Our experts analysed over 10,000 car insurance quotes to find the best value for the widest range of customers.
However, as mentioned above, not everyone is looking for the same thing, so it's important to look for the features that suit you when comparing car insurance policies in Western Australia.
External sources
* Government of Western Australia Road Safety Commission (Jan 2021), 'Annual road statistics 2020' - accessed 13 Jan 2021
** Government of Western Australia Road Safety Commission (Apr 2020), '2019 Preliminary summary of fatalities on Western Australian roads' - accessed 13 Jan 2021
^ National Motor Vehicle Theft Reduction Council (Sep 2020), 'National context' - accessed 13 Jan 2021
^^ National Motor Vehicle Theft Reduction Council (Sep 2020), 'Where were they stolen?' - accessed 13 Jan 2021
As a personal finance writer at Mozo, Olivia investigates insurance, banking and property. After completing a double degree in journalism and media and communications, Olivia became a lifestyle editor at Time Out Sydney and freelanced for notable publications such as Guardian Australia and SBS News. Now she is Mozo’s resident car insurance enthusiast, and is certified (ASIC RG146 Tier 2) to provide general advice in general insurance. She also creates audible finance adventures as co-host of Mozo’s podcast, The Finance Burrito.
If you’re looking to find Australia’s best car insurance, a great place to begin is by checking out the winners in the Exceptional Value and Exceptional Quality categories in the Mozo Experts Choice Awards for Car Insurance. Our experts analysed the pricing and product data and determined these as the insurance policies offering the best range of features for competitive premiums.
Not all customers are looking for the same thing when it comes to car insurance, so it’s important to bear this in mind when comparing policies.
There are a few things you can expect to be excluded from your car insurance cover. Some of these general exclusions are:
Depreciation of your car's value: The more you drive your car, the more it depreciates in value. As this is a normal and expected part of driving, it isn’t covered under your policy.
Mechanical or structural faults: This applies if damage is caused without an accident – for example if your window gets stuck – and usually won’t be covered.
Wear and tear: You will need to check this with your provider as each provider has a different definition, but general wear and tear on a vehicle isn’t covered, as it’s simply part of owning a car.
The car insurance premium you’re going to pay each year is dependent on a range of factors. These essentially outline how much of a risk it is to provide you with comprehensive car insurance. Each insurance provider is a little different which is why the price of your premium may differ from one quote to the next. Generally, these are some of the things that are considered when you take out a quote:
Your age and gender: Younger male drivers are generally considered to be more of a risk to insure than older women, for example.
The age and colour of the vehicle: Newer, more expensive cars cost cost more to cover than older ones because they’re more valuable.
Where you live: Your Western Australian postcode has an impact on your premium, and so does your car park. You'll have to pay more if your car is kept on the street rather than parked in a secure garage.
Projected mileage: Some providers offer cheaper premiums for Aussies who don’t use their cars often.
Your car insurance premium might be calculated as an annual sum, but it doesn’t necessarily mean that you’ll have to pay it every twelve months. You'll sometimes have the option to pay your premium weekly, fortnightly or monthly at no extra cost (others may slap an additional fee on).
If you’re involved in an accident and need to pay for repairs, you’ll have to pay an agreed-upon sum before your comprehensive car insurance policy kicks in to cover the remaining costs. Your excess could depend on who was driving at the time, with younger or inexperienced drivers expected to pay more. Excesses may also be applied to things like windscreen cover, which is a pretty big factor for those of you in Western Australia frequently travelling on unsealed roads.
Nowadays, you'll often have the choice of excess, which means you can choose exactly how much you’re due to pay to unlock your policy. While it might seem like a great idea to set this amount super low, it is important to remember that a lower excess will likely result in a higher annual premium and vice versa.
If your car is written off, how much you’re paid depends on whether you opted for an agreed or market value. As standard on most comprehensive policies, ‘market value’ will deliver the amount a car of a similar make and model (with similar distance travelled) would fetch on the open market at the time of the accident.
You might have the opportunity to set an ‘agreed value’, which means you’ll be paid out a fixed fee for your car if it is written off. This is a good idea if your wheels are more valuable or if you've poured more money into the car with mods and extra features after driving it off the lot.
If you’ve got your comprehensive car insurance policy sorted, you’re going to want to know what is involved in making a claim.
It's a good idea to have the following details written down at the time of the incident to back up your claim :
The date, time and location of the incident
The other driver’s details (including the phone and licence numbers)
Any statements from witnesses or other involved road-users.
Any photo evidence
A police report (if applicable)
When it comes to actually starting the claims process, the easiest option is to lodge and keep track of your claim online. If you prefer a human touch, you also have the option of picking up the phone to contact your provider. It is worth remembering you’ll have to pay an excess to get the wheels rolling on your claim, and by doing so your future premiums could rise.
Most car insurance companies operate Australia-wide, but you can choose a WA-centric provider for more tailored cover. If you are looking to compare car insurance policies in a specific state or territory, Mozo has the details on localised providers outside the sunshine state, including those in:
Specific car insurance isn't required for certain car brands, but there could be policies which may be better suit to you and your car.
To better understand the insurance costs associated with some popular cars, read up on annual premiums across various models, as well as insurance trends around:
I have made a few claims with Youi and have been more than satisfied with their customer service and the claims process. They have been so helpful, prompt in sorting out issues and flexible with who I use for repairs as I am in a rural location. Youi is a little more expensive for my vehicle but I think it is worth the money. I highly recommend them to all my friends.
I have made a few claims with Youi and have been more than satisfied with their customer service and the claims process. They have been so helpful, prompt in sorting out issues and flexible with who I use for repairs as I am in a rural location. Youi is a little more expensive for my vehicle but I think it is worth the money. I highly recommend them to all my friends.
Very easy to deal with when making a claim. Very fair and easy. I always appreciated the ease of claiming and the helpful customer service always experienced when interacting with this company…
Very easy to deal with when making a claim. Very fair and easy. I always appreciated the ease of claiming and the helpful customer service always experienced when interacting with this company…
Do not be misled by the 5-star reviews. These reviews clearly haven’t been written by anyone who has actually had to make a claim. My experience with Stella Car Insurance has been nothing short of a nightmare, and I would strongly advise against choosing them.
My crash claim has taken over a month to process due to an incredibly slow and disorganized process. They don't respond to emails, so I’m forced to keep calling them for updates, and even then, it takes a week for them to get back to me. They claim to offer 24/7 assistance, but that is a lie. After 5 PM, no one answers the phone, and it’s clear they are severely understaffed.
There’s also a huge communication breakdown between their outsourced teams. One staff member arranged for a car hire and allowed us to pick up the car, but then another called and said the crash team wanted the hire car returned and a different one delivered. This constant back-and-forth was extremely confusing and unprofessional.
To make things worse, the tow company lost some of our personal items from the car, and instead of helping us resolve the situation, Stella asked us to provide photos to prove that we had the items inside the car. It was a completely unreasonable request and made an already stressful situation even worse.
Stella might seem like a cheap option, but it is far more stressful than it’s worth. Don't wait for an issue to arise—go with a more reliable insurance provider. The reviews that rave about them clearly haven’t experienced the reality of dealing with a claim.
Do not be misled by the 5-star reviews. These reviews clearly haven’t been written by anyone who has actually had to make a claim. My experience with Stella Car Insurance has been nothing short of a nightmare, and I would strongly advise against choosing them.
My crash claim has taken over a month to process due to an incredibly slow and disorganized process. They don't respond to emails, so I’m forced to keep calling them for updates, and even then, it takes a week for them to get back to me. They claim to offer 24/7 assistance, but that is a lie. After 5 PM, no one answers the phone, and it’s clear they are severely understaffed.
There’s also a huge communication breakdown between their outsourced teams. One staff member arranged for a car hire and allowed us to pick up the car, but then another called and said the crash team wanted the hire car returned and a different one delivered. This constant back-and-forth was extremely confusing and unprofessional.
To make things worse, the tow company lost some of our personal items from the car, and instead of helping us resolve the situation, Stella asked us to provide photos to prove that we had the items inside the car. It was a completely unreasonable request and made an already stressful situation even worse.
Stella might seem like a cheap option, but it is far more stressful than it’s worth. Don't wait for an issue to arise—go with a more reliable insurance provider. The reviews that rave about them clearly haven’t experienced the reality of dealing with a claim.
Our goal at Mozo is to help you make smart financial decisions and our award-winning comparison tools and services are provided free of charge. As a marketplace business, we do earn money from advertising and this page features products with Go To Site links and/or other paid links where the provider pays us a fee if you go to their site from ours, or you take out a product with them. You do not pay any extra for using our service.
We are proud of the tools and information we provide and unlike some other comparison sites, we also include the option to search all the products in our database, regardless of whether we have a commercial relationship with the providers of those products or not.
'Sponsored', 'Hot deal' and 'Featured Product' labels denote products where the provider has paid to advertise more prominently.
'Mozo sort order' refers to the initial sort order and is not intended in any way to imply that particular products are better than others. You can easily change the sort order of the products displayed on the page.
We provide only general advice
Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the Product Disclosure Statement (PDS) or offer documentation, or seeking independent advice. It is also advised to review Target Market Determination(TMD) of products that you are considering. The TMD can be found on the provider's website.
Disclaimer
Who we are and how we get paid
Our goal at Mozo is to help you make smart financial decisions and our award-winning comparison tools and services are provided free of charge. As a marketplace business, we do earn money from advertising and this page features products with Go To Site links and/or other paid links where the provider pays us a fee if you go to their site from ours, or you take out a product with them. You do not pay any extra for using our service.
We are proud of the tools and information we provide and unlike some other comparison sites, we also include the option to search all the products in our database, regardless of whether we have a commercial relationship with the providers of those products or not.
'Sponsored', 'Hot deal' and 'Featured Product' labels denote products where the provider has paid to advertise more prominently.
'Mozo sort order' refers to the initial sort order and is not intended in any way to imply that particular products are better than others. You can easily change the sort order of the products displayed on the page.
Important information on terms, conditions and sub-limits
Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
