An insurance comparison guide can help you compare policies, but the cheapest premium may not provide the cover you need. Check the policy’s Product Disclosure Statement (PDS) for inclusions, exclusions, cover limits, sub-limits, excesses and claim requirements, and make sure the policy suits your circumstances and the value of what you are insuring. Consider whether premiums are quoted annually or monthly and whether discounts or fees apply. Before buying, confirm the details with the insurer or a licensed insurance adviser, as the provider makes the final decision about eligibility, pricing and claims.