Comprehensive car insurance can cover damage to your vehicle from incidents such as crashes, theft, storm, hail and flood, as well as damage you cause to other people’s vehicles or property. On the Gold Coast, check whether flood, storm surge, cyclone-related damage and windscreen cover are included, and review any exclusions in the policy’s Product Disclosure Statement. Compare agreed and market value, excesses, repairer options, rental-car benefits and cover for personal items. Premiums depend on factors including your car, location, driving history and chosen cover, so obtain quotes directly from insurers and consider advice from a licensed insurance professional.