Comprehensive car insurance usually covers accidental damage to your vehicle, as well as damage you cause to other people’s cars or property. Depending on the policy, it may also include theft, fire, storm damage, emergency repairs, towing and a replacement vehicle, subject to limits and exclusions. You’ll generally need to pay an excess when making a claim, and cover can vary between insurers. Check the policy’s Product Disclosure Statement (PDS) or speak with the insurer before choosing cover.