Insurables — Australian business risk, sourced and dated

Rideshare drivers: commercial motor requirements in Western Australia

Cover for vehicles used for business, including utilities, vans and trucks, and liability for damage they cause.

Data as at

Verified for Western Australia

  • Licence liability condition: CTP-equivalent only. The full 228-page Regulations — all fifteen Parts and seven Schedules — contain exactly ONE insurance provision, regulation 98(1)(c): the vehicle "must have the appropriate category of motor injury insurance required for the vehicle under the Motor Vehicle (Third Party Insurance) Act 1943". Motor injury insurance is Western Australia's CTP-equivalent scheme. No property or public liability requirement appears anywhere in the instrument. UNDERSTAND WHAT CTP IS AND IS NOT: compulsory third party insurance is a condition of REGISTERING A VEHICLE in every Australian jurisdiction, and it covers injury to people. It is not a licence condition, and it does not cover damage to other people's property. Treating CTP as "the insurance the licence requires" is the single most common mistake in this industry. New South Wales requires every point to point vehicle to carry third-party PROPERTY insurance of at least $5 million on top of CTP. On the full text of the instruments read, no other jurisdiction checked replicates that. NSW is an outlier here, as it is with tow trucks. WA · effective 2020-07-01 Consumer Protection WA · 2026-08-13
  • Licence evidence required: The correct category of motor injury insurance for the vehicle, as part of vehicle authorisation. WA · effective 2020-07-01 Consumer Protection WA · 2026-08-13
  • Licensing body: Regulated under the Transport (Road Passenger Services) Act 2018 (WA) and the Transport (Road Passenger Services) Regulations 2020 (WA), through vehicle authorisation. WA · effective 2020-07-01 Consumer Protection WA · 2026-08-13

What contracts commonly ask for

Principals and head contractors set their own insurance requirements, and those are frequently higher than a licence condition. The requirement that binds is the higher of the two, and both have to be read from the actual document.

What this cover costs

This site publishes no cost benchmark for this cover. A benchmark needs a real sample of documents, and none is published until the sample is large enough to compute a median honestly. A benchmark from a handful of policies is a guess with a decimal point.

Sources