In Australia, CTP insurance is compulsory and covers injuries caused to people in a road accident, but it does not cover damage to cars or property. Beginners can consider third party property insurance for damage they cause to someone else’s vehicle, or comprehensive cover if they also want protection for their own car against events such as accidents, theft and storms. Compare premiums, excesses, exclusions and driver restrictions, especially if you have a provisional licence. Check the policy’s Product Disclosure Statement and confirm your options with the insurer, as eligibility and pricing depend on your circumstances.