When comparing insurance, look beyond the premium and check the policy’s cover limits, exclusions, excesses and optional benefits. Read the Product Disclosure Statement (PDS) to understand what is and isn’t covered, including claim conditions and waiting periods where relevant. Make sure the quotes use the same level of cover so the comparison is meaningful, and check whether the insurer is authorised to provide the policy in Australia. Your final choice should reflect your needs, and the insurer can confirm the policy details and eligibility.