Check whether the policy covers accidental damage, theft, fire, storm and flood, and compare agreed value with market value for your car. Review the standard and age-based excesses, authorised drivers, usage limits, exclusions, modifications, accessories and whether personal items are covered. Also check optional benefits such as a hire car, roadside assistance, windscreen cover, new-car replacement and cover for towing or transport after a claim. Read the insurer’s Product Disclosure Statement (PDS), confirm your details are accurate, and ask the insurer or a licensed adviser about anything unclear.