When comparing car insurance in Townsville, check whether the policy covers storm, cyclone, flood, hail and other weather-related damage, as well as theft and accidental damage. Queensland compulsory third party (CTP) insurance covers injuries caused by your vehicle, but you may need third party property or comprehensive cover for damage to cars and other property. Compare excesses, agreed or market value, hire-car options, windscreen cover and exclusions, particularly if you park outside or drive in flood-prone areas. Premiums and eligibility depend on your circumstances and are ultimately set by each insurer, so obtain quotes and read the product disclosure statement carefully.