Comprehensive car insurance generally covers damage to your car from events such as crashes, theft, fire, hail and storms, and may also cover damage you cause to other vehicles or property. Policies can differ, so check the Product Disclosure Statement for exclusions, agreed or market value, included benefits and limits. Compare the premium with the standard and optional excesses, and make sure the policy suits your car’s use and drivers. The insurer will decide eligibility, pricing and claims outcomes based on your circumstances.