When comparing car insurance in 2026, check whether each policy offers comprehensive, third-party property, or third-party fire and theft cover, and read the Product Disclosure Statement (PDS). Compare the insured value, excesses, inclusions, exclusions, hire-car options and how claims are handled, rather than focusing only on the premium. Your CTP policy is separate from cover for damage to your car or other property. Premiums and eligibility are set by each insurer based on factors such as your vehicle, location, driving history and usage, so obtain quotes and confirm details directly with the insurer.