Read the policy’s Product Disclosure Statement (PDS) carefully, checking whether the car is covered for agreed or market value, as well as exclusions, excesses, hire-car cover and limits for personal belongings. Compare more than the headline premium, including optional benefits, claims service and whether regular drivers and modifications must be listed. Give the insurer accurate details about the car, where it is kept and how it is used, because incorrect information may affect a claim. Check the policy with the insurer or a licensed adviser if you are unsure what cover suits your circumstances.