Comprehensive car insurance generally covers damage to your car from events such as crashes, theft, fire, storms and vandalism, as well as damage you cause to other people’s property. In 2026, compare the policy’s agreed or market value, excesses, limits, exclusions and included benefits, such as hire-car cover, roadside assistance and windscreen protection. Premiums can vary based on factors including your car, location, driving history, usage and claims record, so a cheaper policy may provide less cover. Read the Product Disclosure Statement and confirm details with the insurer before choosing a policy.