Check whether the policy covers accidental damage, theft, fire, storm or flood damage, and damage you cause to other vehicles or property. Compare agreed value with market value, the standard and optional excesses, limits, exclusions, driver restrictions and whether personal items, tools, modifications, accessories and a replacement car are included. Confirm how the insurer handles repairs, towing, windscreen claims, finance-company interests and claims involving an unlisted driver. Read the Product Disclosure Statement (PDS) and ask the insurer to clarify anything uncertain, as cover and premiums depend on your circumstances.