Start by comparing the cover types: comprehensive insurance generally covers damage to your car and some damage you cause to others, while third party property cover usually protects against damage you cause to other vehicles or property. CTP is compulsory and covers injuries from road accidents, but it generally does not cover vehicle damage. Check the policy’s Product Disclosure Statement for exclusions, limits, excesses, driver restrictions and whether your car is insured for market or agreed value. Tell the insurer about modifications, regular drivers and your car’s use, then compare quotes and confirm the final cover directly with the provider.