Comprehensive car insurance generally covers damage to your car from events such as accidents, theft, fire, hail and storms, and may also cover damage you cause to another person’s car or property. Policies can include benefits such as a replacement car, windscreen cover or emergency transport, but these vary between insurers and may have limits, exclusions and an excess. It usually does not cover every situation, such as normal wear and tear or damage while driving under the influence. Read the Product Disclosure Statement and compare cover, exclusions, excesses and premiums before choosing a policy.