Compare what each service actually covers, as some comparison websites may display only selected insurers or policy types rather than the whole market. Check the policy’s Product Disclosure Statement (PDS), including exclusions, limits, excesses and optional benefits, instead of relying only on the headline premium. It can also be worth obtaining a quote directly from insurers, as prices and available cover may differ. The insurer ultimately decides whether to offer cover and on what terms, so contact the provider or a licensed insurance broker if you need help assessing your options.