Compare the cover type, including comprehensive, third party property damage and compulsory CTP insurance, which generally covers injuries rather than damage to vehicles or property. Check whether the policy uses agreed or market value, the excess, driver and usage restrictions, exclusions, and any limits on repairs or roadside assistance. Read the Product Disclosure Statement (PDS) and make sure the details about your car, address and regular drivers are accurate. Premiums and claims decisions depend on your circumstances and the insurer, so compare suitable policies and ask the provider about anything unclear.