Cover types, add-ons and exclusions differ between insurers. For a neutral explanation of the options, see ASIC’s Moneysmart car insurance guide. Type of insurance. Car, home and life policies use different pricing inputs. Coverage level. Broader cover generally costs more than basic cover. Sum insured. Higher amounts insured usually lead to higher premiums. Excess. A higher exc... https://insurancecalculatorhub.com/