Compare policies on cover, exclusions, limits, excesses and claim conditions, not just the advertised premium. Check whether the policy suits your circumstances, including the value of what you are insuring, optional extras and any waiting periods or eligibility rules. Read the Product Disclosure Statement (PDS) and Target Market Determination (TMD) before applying, and confirm important details directly with the insurer. A comparison website may not include every available policy, and the insurer ultimately decides whether to offer cover and at what price.