Comprehensive car insurance generally covers damage to your car from events such as crashes, theft, fire, hail and storms, and usually includes cover for damage you cause to other people's property. Policies may also offer benefits such as a replacement car, emergency repairs or a new-car replacement, but these vary between insurers and policy levels. You normally pay an excess when making a claim, and your payout may be based on the car's market value or an agreed value. Check the product disclosure statement and compare exclusions, limits and optional benefits before choosing a policy.