Comprehensive car insurance generally covers accidental damage to your vehicle, as well as theft, fire and damage you cause to other vehicles or property, subject to the policy terms. On the Sunshine Coast, check how policies treat flood, storm, hail, coastal weather and driving on unsealed roads, as exclusions and conditions can differ. Compare agreed value or market value, excesses, repairer choice, windscreen cover, roadside assistance and any hire-car benefit. Read the Product Disclosure Statement and confirm details, discounts and premiums directly with each insurer before choosing a policy.