Car Insurance

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A car is traditionally one of the most significant purchases an individual will make, up there with a new home or apartment., so taking out a car insurance policy is essential for protecting this asset and finding the right insurance solution can take time.

The first step is to choose the type of car insurance you need. Generally there are three different car insurance policies available. They are commonly referred to as “Comprehensive”, “Third Party, Fire & Theft” and “Third Party Property Damage”

Comprehensive Car Insurance

Comprehensive Motor Vehicle Insurance is the most popular type of insurance available for your vehicle.

It covers:

  • The cost of repairing damage to your own vehicle,
  • cost of repairing damage to someone else’s vehicle or property damage,
  • Theft cover is also included.

Most policies are arranged on a “market value” basis. This means that if your vehicle is stolen and not recovered or damaged beyond repair, the insurer pays the current market value of the vehicle at the time of the claim. Alternatively you may elect to insured your vehicle for “agreed value” which is a fixed amount that your car is insured for, which would be paid in the event of your vehicle being stolen and not recovered or damaged beyond repair. In most cases the premium is higher than for a market value policy.  Insurers will usually limit Agreed Value sums insured to a max of 10% above the current market value.

Premiums for comprehensive insurance are based on a number of factors, including:

  • Type of car – including any modifications and accessories
  • Age of the youngest regular driver
  • Driving record of the nominated drivers
  • Claims history
  • Usage of Vehicle – whether it be for private or business use

Third Party, Fire & Theft

This alternative type of policy, as the name suggests, covers fire damage or theft of your vehicle, and third party property damage only.  It does not cover your vehicle for damage under any other circumstances.

Third Party Property Damage Insurance

This type of policy only covers damage that you cause to another person’s vehicle or property. It does not provide any cover for damage to your own vehicle.

Third Party Injury Insurance

Dependant on which state you live in, this policy is either included in your registration or must be taken separately (also known as a Green Slip or CTP). It is compulsory in all states and territories of Australia to have Third Party Injury Insurance. As the name suggests, it only covers injury resulting from a motor vehicle accident.

MKW will help you select the right Motor Vehicle Insurance solution to meet your needs so please contact us to discuss further.

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Existing Insurance Paperwork

If you have existing insurance paperwork available either scanned copies or PDF copies please complete the basic required details following and use the file upload section at the bottom and we will be in touch.

About You

If you have more than 5 vehicles we suggest calling us to discuss possible fleet options.
All our invoices have instalments available by premium funding but only select insurers provide free monthly payments by direct debit and its best we understand your requirements up front.

Claims Information & Drivers History & Declaration

Location Information

Vehicle Details

Our quotes will generally include the removed windscreen excess and hire car following a claim extension unless you specifically want us to exclude it for a premium saving.
Include details of any modifications or if there are any accessories that need to be noted including tool boxes and trays. Include Sum Insured Value for each item noted.
if you have another vehicle, please complete this form again or we can be in touch to gather additional information.
Click or drag files to this area to upload. You can upload up to 5 files.
Please use this optional but recommended file upload section if you wish to attached any helpful additional information like previous insurance schedules or claims information to assist pricing and underwriting. If you have any supporting information you would prefer to email please send it to


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Sydney Office

MKW Insurance Brokers

11 Thornleigh Avenue,
Concord, NSW, 2137

Postal Address:

MKW Insurance Brokers
P.O. Box 166,
Concord, NSW, 2137

Phone: (02) 9746 6273
Fax: (02) 9746 6255

Central Coast Office

MKW Insurance Brokers

38 Manns Road,
Narara, NSW, 2250

Phone: (02) 4311 6175


MKW Holdings Pty Ltd T/as MKW Insurance Brokers
ABN 53 617 495 495      AFSL 502391