When comparing car insurance in Cairns, check whether the policy covers storm, flood, hail and cyclone-related damage, as well as theft and accidental damage. Comprehensive cover may provide broader protection, while third party property cover generally focuses on damage you cause to other vehicles or property. Compare agreed and market value, excesses, exclusions, roadside assistance and any limits for windscreen or personal effects claims. Premiums and eligibility are set by each insurer and can depend on your vehicle, driving history, address and how the car is stored, so read the Product Disclosure Statement and obtain quotes from relevant providers.