Comprehensive car insurance can cover damage to your vehicle as well as damage you cause to other cars or property, subject to the policy terms. When comparing Melbourne policies, check whether cover includes theft, hail, flood and storm damage, and review the excess, agreed or market value option, driver restrictions and exclusions. Your premium may be affected by factors such as where the car is kept, how often it is driven, the vehicle model and your claims history. Compare the Product Disclosure Statement and confirm the details with each insurer before choosing a policy.