When comparing insurance in 2026, look beyond the premium and check the policy’s cover, exclusions, limits, excesses and conditions in the Product Disclosure Statement (PDS). Consider whether the sum insured, agreed or market value, waiting periods and optional benefits suit your circumstances. Compare quotes using the same cover details, and check how claims are handled, including repairer choice and settlement processes. Prices and eligibility can vary between insurers and may change at renewal, so confirm the latest details directly with each insurer or a licensed insurance adviser.