Comprehensive car insurance generally covers damage to your car from events such as crashes, theft, fire, storms and vandalism, and usually includes cover for damage you cause to another person’s car or property. Policies may also include extras such as a hire car, windscreen cover or personal belongings, but these vary between insurers. You’ll usually need to pay an excess, and exclusions and limits can apply. Check the policy’s Product Disclosure Statement and confirm the details with the insurer before choosing cover.