When comparing comprehensive car insurance in Darwin, check whether the policy covers storm, cyclone, flood, hail and damage caused by falling branches, as well as theft and fire. Review exclusions for driving on unsealed roads, coastal areas or during declared weather events, and compare the excess, market or agreed value, hire-car benefits and windscreen cover. Compulsory third party (CTP) insurance is separate and does not cover damage to your car. Read the product disclosure statement and confirm the available cover and premium with the insurer, as these depend on your vehicle and circumstances.