Updated 1 November 2026. Reviewed by James Rock (National Partnerships Director).
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Plant and equipment insurance for Western Australian businesses, from a loader in the Pilbara to a boom spray in the Wheatbelt. The price for the whole term, up to five years, is set on day one, and you see your indication before we ask for a name, mobile or email.
Equipment businesses in WA
| Businesses at 30 June 2025 | Number |
|---|---|
| Site preparation, including earthmoving | 2,375 |
| Heavy machinery and scaffolding hire | 1,735 |
| Road freight transport | 7,143 |
WA has more heavy machinery and scaffolding hire businesses than South Australia, Tasmania, the NT and the ACT combined, according to the ABS.
What does stamp duty add in WA?
WA charges insurance duty at 10% of the total premium. Your indication includes it, so the figure you see is already right for your state. Stamp duty on insurance in every state.
Machines on the road in WA
The WA Department of Transport has a concession for agricultural machinery and agricultural special purpose vehicles. The form asks whether a machine is unregistered, conditionally registered or fully registered. How conditional registration works.
What’s covered, wherever you are
The cover is the same in every state: sudden and unforeseen damage, theft and total loss, for the equipment listed on your schedule. Machinery breakdown from a defect and private use aren’t covered. The price for the whole term, up to five years, is set on day one, and the insured value is 100% in years 1 and 2, then a 10% depreciation is applied each year from year 3. What the policy covers.
Can one policy cover machines in different states?
Yes. Items on a policy can be in different states and have different registration. If the machines are based in more than one state, tell our partner when they contact you.
See your indication
See your insurance indication for WA in about 90 seconds, before we ask for a name, mobile or email. Or call James Rock on 0457 932 988.
- Australian Bureau of Statistics: Counts of Australian Businesses, June 2021 to June 2025, data cube 2: businesses by main state and industry class (released 16 December 2025)
- WA Department of Finance: Self-assess and pay insurance duty (updated 14 March 2026)
- Department of Transport WA: Application for Agricultural Machinery or Agricultural Special Purpose Vehicle Concession, form VL18 (updated 30 March 2026)
- Policy wording from our specialist insurance partner: Multi-Year Plant & Equipment Insurance (6 October 2025)
