When comparing insurance in 2026, look beyond the headline premium and check the policy’s cover limits, exclusions, excess, waiting periods and claim conditions. Compare like with like, including optional benefits such as roadside assistance, temporary accommodation or rental-car cover, because cheaper policies may provide less protection. Check whether premiums, discounts and payment fees vary between insurers, and read the Product Disclosure Statement (PDS) before buying. Your final price and suitability will depend on your circumstances, so consider asking the insurer or a licensed insurance adviser if anything is unclear.