Comprehensive car insurance generally covers damage to your vehicle from events such as crashes, theft, fire, storms and vandalism, and may also cover damage you cause to another person’s car or property. Policies can differ, with exclusions, limits and optional benefits such as a hire car, windscreen cover or new-car replacement. Check the excess, whether the insurer uses market or agreed value, and the Product Disclosure Statement (PDS) for important conditions. The insurer will assess any claim according to the policy terms and your individual circumstances.