Comprehensive car insurance generally covers damage to your vehicle from events such as crashes, theft, fire, hail and storms, as well as damage you cause to another person’s property. Policies can differ, so extras such as windscreen cover, towing, a hire car or personal belongings may be included, optional or excluded. You usually need to pay an excess, and the policy may use an agreed or market value when settling a claim. Check the insurer’s Product Disclosure Statement and compare exclusions, limits and premiums before choosing cover.