You pay a premium for cover that helps protect you against specified costs, such as damage to your car, damage you cause to other people’s property, theft or some weather-related events. Comprehensive cover is generally broader, while third-party property cover mainly protects against damage you cause to someone else’s car or property. If an insured incident occurs, contact your insurer promptly, provide the requested details and pay any applicable excess; the insurer will assess the claim under your policy. Check the Product Disclosure Statement for limits, exclusions and conditions, as the outcome depends on your policy and circumstances.