Before bundling, compare the cover, exclusions, limits and excesses for each policy, not just the advertised combined price. Check whether the policies are underwritten by the same insurer, whether one renewal date or payment arrangement suits you, and how making a claim could affect future premiums. Ask about discounts, cancellation fees and whether you can keep suitable cover if you later move one policy elsewhere. Get comparable quotes from other insurers, and read the Product Disclosure Statement or speak with the insurer if anything is unclear.