A comprehensive car insurance policy generally covers accidental damage to your car, as well as damage you cause to another person’s vehicle or property. Depending on the policy, it may also cover theft, fire, storm or hail damage, and some windscreen costs, but exclusions and limits apply. Check whether the policy uses agreed or market value, and understand the basic and optional excesses before buying. Read the Product Disclosure Statement (PDS), compare inclusions and exclusions, and confirm details with the insurer, as cover and claim outcomes depend on your circumstances.