Comprehensive car insurance generally covers accidental damage to your vehicle, theft, fire and damage you cause to other people’s property, subject to the policy’s limits and exclusions. Some policies may also include options such as roadside assistance, hire-car cover or windscreen protection, but these benefits vary between insurers. When comparing policies in 2026, check the premium, excess, agreed or market value, included features and the Product Disclosure Statement (PDS). Your insurer ultimately decides your price and claim outcome based on your circumstances, so contact the provider or an insurance adviser if you need help interpreting the cover.