Comprehensive car insurance generally covers damage to your vehicle from events such as crashes, theft, fire, hail and some weather-related incidents, as well as damage you cause to other vehicles or property. When comparing policies in 2026, check whether the car is insured for agreed or market value, the excesses, rental-car options, windscreen cover, exclusions and any limits on modifications or accessories. Premiums can vary based on your circumstances, vehicle and location, so compare the Product Disclosure Statement (PDS), not just the headline price. Confirm the details with the insurer before buying.