Comprehensive car insurance typically covers damage to your car from collisions, theft, fire, storms and vandalism, as well as damage you cause to another person’s property. Cover, exclusions, optional benefits and excess amounts vary between insurers, so check the policy’s Product Disclosure Statement (PDS). For an older car, consider the premium, excess, likely payout based on market or agreed value, and whether you could afford repairs or replacement yourself. Comparing policies and discussing your needs with the insurer can help you decide.