Any motor vehicle utilized for private or business purposes and constructed primarily for the conveyance of persons not included in Classes 2 to 8, inclusive, is classified as Class 1A. Station Wagons with a seating capacity of four or more people fall under this category. (Any vehicle licensed as a farm vehicle under Regulation 70 of the Road Traffic (Vehicles) Regulations 2014 and issued with number plates in conformity with those regulations is eligible to a 50% premium rebate.)
Not included in Class 6 are ambulances, fire and emergency vehicles, undertakers’ vehicles, motor vehicles owned and operated by the Australian Red Cross Society, or vehicles owned and used by the Cerebral Palsy Association of WA Ltd.
Any motor vehicle built and utilized for the transportation of sick or injured people is referred to as an ambulance vehicle. Any motor vehicle owned or under the control of Western Australia’s Fire and Emergency Services Authority is referred to as a Fire and Emergency Services Vehicle. Any vehicle owned by a business that is expressly fitted for the sole purpose of firefighting and fire prevention and is licensed under a limited vehicle license that restricts its usage on the road to firefighting only. Vehicles used purely as an undertaker’s hearse or mourning coach are known as undertakers’ vehicles.
Any motor vehicle not included in Classes 3 to 8, both inclusive, built primarily for the conveyance of goods and utilized for private or business purposes, is classified as a goods vehicle. This category covers wagons, utility vehicles, and tractors (prime mover type). (Any wagon licensed as a farm vehicle under Regulation 70 of the Road Traffic (Vehicles) Regulations 2014 and issued with number plates in accordance with those Regulations is entitled to a 50% rebate on the understanding that it will not be eligible for a further rebate under Class 2(f) and vice versa.) (f) Beginning January 1, 2004, any vehicle in this class with a tare weight of 2,500 kilos or more owned by a farmer and used primarily or principally for carrying the products of, or requisites for, the owners’ farming company will be eligible for a 50% premium rebate.
Class 3(a) – Any motor vehicle operating within a 40-kilometer radius of the GPO Perth and licensed under the Road Traffic (Vehicles) Regulations 2014 as a Passenger Transport Vehicle for hire or reward, with more than nine seating spaces including the driver. This does not include passenger cars that were originally constructed with nine or fewer seats, including the driver, but were later modified to contain more than nine seats (e.g. stretch limousines).
Class 3(b) – Any motor vehicle licensed under the Road Traffic (Vehicles) Regulations 2014 and used as a Passenger Transport Vehicle for hire or reward, with more than nine seats, including the driver, and operating primarily outside a 40-kilometer radius of the GPO Perth. This does not include cars that were originally designed with nine seats or less, including the driver, but were later modified to contain more than nine seats (e.g. stretch limousines).
Class 3(c) – Any motor vehicle operating within a 40-kilometer radius of the GPO Perth and licensed under the Road Traffic (Vehicles) Regulations 2014 as an On-demand Rank or Hail (taxi) Passenger Transport Vehicle, as defined in the Transport (Road Passenger Services) Act 2018.
Class 3(d) – Any motor vehicle operating outside of a 40-kilometer radius of the GPO Perth and licensed under the Road Traffic (Vehicles) Regulations 2014 as an On-demand Rank or Hail (taxi) Passenger Transport Vehicle, as defined in the Transport (Road Passenger Services) Act 2018.
Any bus that is not employed as a Passenger Transport Vehicle for hire or incentive falls under Class 3(e). This includes school buses that are used solely to transport children to and from school.
Class 3(f) – Any motor vehicle utilized as a Passenger Transport Vehicle for hire or reward that is not included in Classes 3(a) through 3(e).
Class 3(g) – Hire-and-Drive vehicle (excluding motor cycles, which are included in Class 7). (a).
Class 4 – A motorcycle that is utilized for personal or commercial purposes. Aside from motorcycles, which are included in Classes 5 (b) and 7, (a). (Any motorcycle licensed as a farm vehicle under Regulation 70 of the Road Traffic (Vehicles) Regulations 2014 and issued with number plates in conformity with those Regulations is entitled to a 50% premium rebate.)
Class 5(a) – Motor vehicles not included in Classes 5(b) and 5(c) that are operated by the aforementioned and have a trade plate affixed issued under the Road Traffic (Vehicles) Regulations 2014, rate per trade plate issued
Class 5(b) – Motorcycle operated by the aforementioned, with a Trade plate granted under the Road Traffic (Vehicles) Regulations 2014, with a rate per Trade plate issued.
Tow truck, as defined in the Road Traffic (Vehicles) Regulations 2014, or with a Trade plate when used in line with section 27 of the Motor Vehicle Dealers Act 1973.
Class 6 – Trailers, caravans, and invalid wheelchairs: This category comprises all vehicles with trailer plates, but excludes tractor (primary mover) plates, which are issued separately under Class 2.
Class 7(a) – Motor vehicles – receiving a vehicle licence charge exemption or reduction under regulation 71A or 84A of the Road Traffic (Vehicles) Regulations 2014; Class (b), (c), or I vehicle that is not a road vehicle, as defined under S.5B of the Motor Vehicle Standards Act 1989 (Commonwealth) or S5 of the Road Vehicle Standards Act 2018 as applicable to that vehicle; OR – licensed as a B class vehicle under the
Farm firefighting vehicles – Any vehicle owned by a person in the farming or grazing business that is fitted or converted for the purpose of firefighting and is licensed under a limited vehicle licence that restricts its usage on the road to firefighting only. Motorcycles with a displacement of less than 75 cc, including motorcycles used for hire. Any other vehicle not otherwise classed as a motor vehicle within the meaning of the Motor Vehicle (Third Party Insurance) Act 1943.
Forklifts, agricultural machinery, and Special Purpose Vehicles (SPV) certified as B class vehicles under the Road Traffic (Vehicles) Regulations 2014 are included in Class 7(b).
Class 8(a) – A Special Purpose Vehicle that (a) is, or has permanently attached to it, an excavator, road roller, road grader, bulldozer, mechanical shovel, plough, rotary hoe, or similar plant; (b) is designed to be driven or controlled by a person carried in or on the vehicle; (c) is not suitable for the carriage of any load other than accessories necessary for the operation of the vehicle; and (d) is licensed as a
A self-propelled Special Purpose Vehicle that: (a) is designed entirely or principally for lifting objects using a boom with lifting gear; and (b) only carries loads necessary for its own propulsion or equipment; but does not include a goods vehicle equipped with a crane apparatus or a tow truck.
What is 3F motor insurance?
2. 3F Insurance for Motor Vehicle Accidents. All Splend vehicles come with comprehensive auto insurance and ridesharing insurance, ensuring that you are protected in the event of an accident. We also offer roadside assistance 24 hours a day, 7 days a week.
What is motor insurance and its types?
From its humble origins in the late nineteenth century to a global expansion during the twentieth century, automobile technology has seen remarkable advancements in its technological development. Traveling by automobile and twowheeler has become an inextricable aspect of life, but it also has its own set of dangers.
If due care is not followed, car owners may find themselves with a large financial burden in extreme instances. What is the best approach for car owners to protect themselves from such potential risks? A Motor Insurance policy can aid in such a case. Motor Insurance protects the loss or damage to an automobile or its parts as a result of natural or man-made disasters. It includes accident coverage for individual car owners while driving, as well as coverage for passengers and third-party legal liabilities.
Private Car Insurance – After purchasing a car, the first thing you should do is get private car insurance. Private Car Insurance is one of the most crucial purchases you can make because it provides financial protection in a range of situations. A Automobile Insurance policy will cover you in the event of a natural disaster, such as an earthquake or flood, or if someone damages or steals your car. Third-party responsibility is a mandatory feature that ensures that any damage caused by one’s vehicle to another person’s life or property will be covered in the event of a claim. In addition to your basic car insurance policy, you can purchase Vehicle Insurance Add-on plans such as zero depreciation, engine & gearbox protector, emergency help, cost of consumables, and so on, which increase your coverage for better protection.
Commercial Vehicle Insurance – It is critical for business owners to get their vehicles insured in order to keep their operations running. Packaged commercial vehicle insurance policies from general insurance providers protect businesses from potential financial loss to the vehicle due to accidental loss or damage, as well as legal liability to third parties for bodily injury, death, or property damage resulting from any accident involving the vehicle. Trucks, Private and Public Carriers, Trailers, Taxis, 3-wheeler Autos, Buses, Miscellaneous and Special Types of Vehicles Agricultural Mobile Rig, Shovels, Grabs, Tractor, and Excavator, among others are all covered by insurance. The following is a list of what is covered by basic auto insurance:
Accidental loss or damage, fire, lightning, self-ignition, external explosion, break-in, housebreaking, or theft, malicious act
Third-party injury/death, third-party property, and obligation to a paid driver are all covered.
Loss/damage to electrical/electronic accessories can be protected by paying an extra premium.
Two-Wheeler Insurance – According to the Motor Vehicles Act 1988 and the Motor Vehicle Amendment Act 2019, having two-wheeler insurance is a legal obligation as soon as you buy a two-wheeler. It covers any financial loss to the vehicle as a result of an accident, as well as legal duty to third parties in the event of bodily injury, death, or property damage. It also provides coverage in the event of damage caused by natural or man-made disasters.
Disclaimer: The given information is provided solely for the purpose of illustration. Before finalizing the sale, please see the policy wordings and prospectus for further information.
What all does motor insurance cover?
- Bodily injury liability is a type of insurance that covers bodily harm claims made by people who have been hurt in an accident.
- Property damage liability involves third-party property damage, such as damage to another person’s car.
- Payments for medical expenses are made to the policyholder and other passengers in the policyholder’s vehicle.
- Coverage for uninsured and underinsured motorists. When the negligent driver does not have insurance or has insufficient insurance, this coverage protects you. In most states, only bodily injury losses are covered, while other states include property damage losses as well.
Does my car insurance cover personal injury claims?
Is it possible to make a personal injury claim on your own car insurance? No, this isn’t usually covered by your own auto insurance coverage. A personal injury claim, on the other hand, would be filed against the ‘at fault party’ (the other motorist) or their insurer.
What is CTP insurance WA?
Owners and drivers of Western Australian registered vehicles are covered by compulsory third party (CTP) insurance for injuries they cause to others in a motor vehicle accident anywhere in Australia.
Do you need CTP in WA?
In Australia, compulsory third party (CTP) insurance is a minimum and mandatory level of coverage. When you pay your automobile registration in WA, you are instantly covered by CTP insurance. Damage to cars, vehicles, or property is not covered by CTP.
What are the 3 types of motor insurance?
Automobile Insurance Types
- Car Insurance Policy for Individuals. This is mandatory automobile insurance for any private car owned by an individual, as regulated by the Indian government.
What are the 3 types of car insurance?
Liability, comprehensive, and collision insurance are the three types of car insurance that are universally available. Other types of auto insurance coverage, such as personal injury protection and uninsured/underinsured driver coverage, are still available, but not in every state.
Is the insurance for injury or death due to accident?
In the event of a collision, there is a greater possibility that your car may be damaged; therefore, comprehensive policy coverage is recommended to cover those damages.
Your Car Insurance Doesn’t Cover Damages Caused Due To Natural Calamities
Although your automobile insurance covers collisions and accidents, you will not be entitled for compensation if your car is damaged as a result of a natural calamity such as an earthquake, tornado, or flood damage. Natural disasters such as floods and earthquakes are typically covered under the ‘Acts of God’ clause, which are permanent exclusions in car insurance. Check your policy’s terms and conditions to check if this area of natural disasters is covered.
Your Personal Belongings
Your insurer will pay for the damages to your automobile if it is vandalized or destroyed, but it will not pay for any theft or damage to your personal things in the car, such as your laptop, phone, or other valuables.
Make sure your belongings are tucked out of sight to keep them safe. If you have home insurance, you will be covered if your phone or laptop is stolen. Additionally, your car’s accessories, such as the audio system, navigation system, televisions, bespoke seats, and so on, are not covered by insurance.