Comprehensive car insurance can cover accidental damage to your vehicle, theft, fire and damage you cause to other cars or property, subject to the policy’s terms and exclusions. On the Central Coast, consider cover for storm, flood, hail and coastal weather risks, and check whether the insurer lets you choose your repairer. Compare agreed value or market value, excesses, windscreen cover, towing, hire-car options and exclusions in each product disclosure statement (PDS). Premiums and eligibility vary, so obtain quotes from insurers and consider speaking with a licensed insurance adviser if you need help comparing policies.