Compare the combined premium with separate policies, and check whether the bundle discount applies at renewal or only for the first term. Review each policy’s cover limits, exclusions, excesses and optional extras, as bundling does not automatically make the cover suitable. Confirm whether one claim could affect discounts or premiums across other policies, and check how cancellations or changes work. Make sure the insurer is authorised to provide the cover and read the Product Disclosure Statement before deciding.