Compare more than just the premium: check the policy’s cover, exclusions, limits, excess, waiting periods and optional benefits. Read the Product Disclosure Statement (PDS) and confirm the policy suits your circumstances, including any conditions that could affect a claim. Consider the insurer’s claims process, financial strength and customer service, and check whether discounts change the price or cover. Before buying, confirm the details and final premium directly with the insurer or a licensed adviser, as eligibility and quotes depend on your individual situation.