Comprehensive car insurance in Townsville can cover damage to your vehicle from accidents, theft, fire, hail and some storm-related events, as well as damage you cause to other vehicles or property. Check the policy’s Product Disclosure Statement for flood, cyclone, storm-surge and windscreen cover, because exclusions, excesses and claim conditions vary between insurers. Your premium may be affected by factors such as your address, vehicle, driving history, usage and chosen excess. Compare several policies and confirm details with the insurer before deciding.