Check whether you need comprehensive, third-party property, or third-party fire and theft cover, and confirm that compulsory CTP is arranged separately where required. Review the policy’s agreed or market value, excesses, driver restrictions, usage limits, exclusions, optional extras and coverage for modifications or accessories. Make sure your details, address, vehicle use and claims history are accurate, as incorrect information can affect a claim. Read the insurer’s Product Disclosure Statement and compare quotes, features and limits before deciding.