Compare policies based on the cover provided, not just the premium, and check whether comprehensive, third-party property or third-party fire and theft cover suits your needs. Look at the excess, agreed or market value, exclusions, usage limits and whether your policy covers hire cars, windscreen damage or personal belongings. Be accurate about your address, driving history and how the car is used, as incorrect information may affect a claim. Read the Product Disclosure Statement and check renewal prices, but confirm important details with the insurer before buying.