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Virgin car insurance review

Virgin’s comprehensive car insurance is budget-friendly for younger drivers, and offers some strong benefits for its price point.

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Virgin Money

Our verdict

Pros

  • Virgin's policies are particularly cheap for young drivers
  • Save 15% on your first year's premium when you buy online
  • Includes benefit limits that compare with higher-priced providers

Cons

  • Policies for over 40s were more expensive than average
  • You might have to pay extra for your own choice of repairer
  • With two very similar comprehensive policies on offer, it's easy to get confused

How does Virgin car insurance compare with other car insurers?

Virgin Money comprehensive car insurance offers some strong benefits for its price point, including Up to $200 per day - Up to $1,000 for emergency transport and accommodation. Many other car insurance providers cap this at $500.

Features

Name Product Choice of repairer New Car Replacement Roadside assistance Hail, storm and flood damage
Virgin Comprehensive
Optional
  • If your car is written off in the first 2 years or is under 40,000 km
  • Optional
    Finder's summary: Finalists for the 2021 Finder Awards for Best Car Insurance - Value in VIC, QLD, SA, WA and TAS, Virgin Comprehensive provides a good level of cover for a decent price.

    ⭐ Current offer: Get 15% off on your first year’s premium when you purchase a new eligible comprehensive car insurance online. T&Cs apply.

    Who it might be good for: People who'd like to manage their policy online 24/7.
    Budget Direct Comprehensive
    Optional
  • If your car is written off in the first 2 years or 40,000 km
  • Optional
    Finder's summary: The 2024 winner of our Best Value Car Insurance award. It's cheaper than most, plus you can lower costs by adding age restrictions.

    ⭐ Current offer: 15% off your first year's premium when you take out a policy online. T&Cs apply.

    Who it might be good for: Anyone who wants a good value policy.
    Allianz Comprehensive
  • If your car is written off or stolen in the first 2 years
  • Finder’s summary: Allianz is good if you want agreed value (this lets you agree on an amount to cover your car for). For a big insurer, it also has a strong customer service record.

    Who it might be good for: Anyone who wants good customer service and agreed value cover.
    NRMA Comprehensive
    Optional
  • If your car is written off in the first 2 years
  • Optional
    AAMI Comprehensive Car Insurance
  • If your car is written off or stolen in the first 2 years
  • Optional
    Finder's summary: AAMI's comprehensive policy includes cover for legal modifications and accessories and up to $20 million cover for damage to other people's property. Optional extras like windscreen and window glass cover is also available.

    ⭐ Current offers: Save $50 when you buy a new comprehensive car insurance policy online. T&Cs apply.

    Who it might be good for: Safe drivers can benefit from the AAMI Safe Driver Rewards® program.
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    Price

    Our cost research for the 2024 Finder Car Insurance Awards found Virgin's car insurance cost an average of $1,057 a year - less than the average of $1,363. Additionally, people under 40 get the best value, offering much cheaper car insurance than many other providers. These quotes are based on a fictional profile and your own quote will differ.

    Keep in mind, the best car insurance for you may depend on more than just price.

    InsurerNSWQLDSATASVICWAAustralia averageApply
    Virgin logo$1,214$1,013$1,046$880$1,254$934$1,057More info
    Budget Direct Logo$1,148$941$978$829$1,180$880$992Get quote
    youi$1,640$1,307$1,087$1,155$1,599$1,363$1,359Get quote
    AAMI$1,884$1,106$1,015$985$1,318$1,002$1,218More info
    NRMA logo$2,027$1,154$1,038$1,004N/A$1,034$1,043More info

    About our car insurance methodology

    Compare Virgin car insurance’s policies

    Name Product Accidental damage Roadside assistance Fire and theft New Car Replacement Hire car after theft
    Virgin Price Promise Comprehensive
    Optional
  • If your car is written off in the first year or is under 20,000 km
  • Up to $1,000 - Up to 14 days
  • Virgin Price Saver Comprehensive
    Optional
  • If your car is written off in the first 2 years or is under 40,000 km
  • Up to $1,000 - Up to 14 days
  • Virgin Third Party Fire and Theft
    Optional
  • Up to $1,000 - Up to 14 days
  • Purchase a new eligible Virgin Car Insurance policy and you'll also save 15% on your first year's premium. T&Cs Apply.
    Virgin Third Party Property Damage
    Optional
  • Purchase a new eligible Virgin Car Insurance policy and you'll also save 15% on your first year's premium. T&Cs Apply.
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    What additional cover options are available?

    Virgin offers some customisation options, including:

    • Roadside assistance - Get 24/7 roadside recovery for flat batteries, flat tyres, and more

    Congratulations, Virgin Money!

    Virgin Money received the highly commended award for 'Car Insurance - Value' in the 2024 Product Awards.

    Full list of 2024 winners

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    FAQs

    Written by

    Nicola Middlemiss

    Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds. See full profile

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