Car insurance generally comes in comprehensive, third party property damage, and third party fire and theft options. Comprehensive cover may protect your car as well as other people’s vehicles or property, while third party policies usually cover damage you cause to others, with some cover for your own car in limited situations. Your policy may include an excess, exclusions, limits and conditions, so check the Product Disclosure Statement (PDS) before buying. Compare policies and confirm details with the insurer, as cover and premiums depend on your circumstances.