Start by deciding what you need covered, such as your car, home or belongings, then compare policies on more than price. Check the cover limits, exclusions, excess, optional extras and whether the policy provides replacement or agreed value. Read the Product Disclosure Statement (PDS) and consider the insurer’s claims process, financial strength and customer service. Comparison websites can help you shortlist options, but the final premium and eligibility are determined by each insurer based on your circumstances.