Check that the policy covers accidental damage, theft, fire, weather events and damage you cause to other vehicles or property. Compare the agreed or market value, excesses, exclusions, roadside assistance, hire-car options and limits for personal items or modifications. Confirm who can drive the car, how usage is classified, and whether there are conditions about where it is parked or repaired. Read the Product Disclosure Statement and ask the insurer to clarify anything unclear, as cover and claim outcomes depend on the policy and your circumstances.