Virgin Car Insurance offers three policies: Comprehensive, Third Party Fire & Theft, and Third Party Property Cover. To help find a policy tailored to your needs, they offer two tiers of Comprehensive insurance - Price Saver Comprehensive and Price Promise Comprehensive. The Price Saver policy is a higher level of cover and great for those who want the full package.
Review by our car insurance senior writer James Martin
There are four different car insurance policies available from Virgin.
A Comprehensive policy from Virgin is specially designed to offer an extremely broad level of protection against a wide range of risks. From accidents and hail damage to theft and personal items cover, this Virgin policy offers the highest level of protection.
However, Comprehensive insurance is available in two forms: Price Saver and Price Promise. Price Saver allows you to save when you purchase online and offers the broadest level of cover, while a Price Promise policy contains a second-year price promise if your circumstances don't change.
The next option from Virgin is Third Party Fire and Theft Cover, and Third Party Property Cover is also available.
| What is included | Price Saver Comprehensive | Price Promise Comprehensive | Price Saver Third party, fire & theft | Price Saver Third party property |
|---|---|---|---|---|
| 15% discount on your first year's premium for cover purchased online | ||||
| 2nd-year price promise | ||||
| New for old car replacement | Yes - If your car is written off in the first 2 years or is under 40,000 km | 12 months | ||
| Emergency accommodation and transport | Yes - $1,000 | $600 | ||
| Hire car following theft | ||||
| Lifetime guarantee on repairs+ | ||||
| Cover for personal effects | $500 | $250 | $0 | $0 |
| Trailer in the event of an accident | $1,000 | $500 | ||
| Zero excess charged if third party at fault | ||||
| Debris Removal | $500 | $500 | $500 | |
| Death benefit | $5,000 | $5,000 | $5,000 | |
| Replacement keys/remote | Yes - $1,000 | $1,000 | No | No |
| Legal Liability | Yes - $20,000,000 | $20,000,000 | Yes - $20,000,000 | Yes - $20,000,000 |
| Lump sum or instalment payments | ||||
| No claim discount protection* | ||||
| Agreed value or market value* | Agreed or Market | Agreed | Agreed | |
| Windscreen excess reduction* | ||||
| Accident hire car* | Optional - Up to $75 per day - Up to 14 days | |||
| Restricted driver discounts* | ||||
| Variable excess to reduce premium* | ||||
| Roadside assistance* | Optional | Optional | Optional | |
* - Optional
Your Virgin car insurance claim will be rejected in certain circumstances, such as:
The cost of your Virgin car insurance policy is based on your risk profile. Virgin will take the following factors into account when determining how much you will pay:
An excess is the amount you will be required to pay to contribute to the cost of your claim. The amount you will have to pay is determined by the sum of the Basic Excess and any additional excesses shown on your certificate of insurance.
However, you won't have to pay any excess if your vehicle is involved in a no-fault accident with another car and the amount of your claim totals more than the Basic Excess.
You can make a claim with Virgin by either filling out an online claim form or phoning 1800 662 884. Virgin's claims team will then guide you through the process to ensure a prompt handling of your claim.
Can I buy my cover online?
Yes, it's quick and easy to purchase car insurance cover online from Virgin. You can apply for cover 24/7 and also enjoy a 15% saving on Comprehensive Cover.
What happens if I don't tell you the full details of my driving history?
You have a duty of disclosure to inform Virgin of anything which may affect their decision to offer you cover. Failing to disclose any information may lead to your claim being reduced or rejected and your policy cancelled.
What is a no-claims discount?
This is a discount you will receive on your insurance premium for every year you do not make a claim on your insurance policy.
How long after I apply until my cover takes effect?
In most cases, you are covered as soon as you purchase a policy from Virgin either online or over the phone.
What happens if I don't tell Virgin everything about my driving history when applying?
Your claim may be rejected, only paid in part or your policy being cancelled because Virgin is not able to accurately assess the risk you present and determine an appropriate premium.
How can I pay my premium?
Premiums can be paid monthly or annually.
Can I get cover for my bike, van, caravan or boat?
Virgin offers cover for some vans but does not offer cover for bikes, caravans or boats.
How is agreed value and market value different?
Agreed value is the price determined by the customer and insurance brand at time of application. Market value is what will be paid based on make, model, age and condition at time loss occurs.
Who underwrites Virgin car insurance?
Policies are underwritten by Auto & General Insurance Company Ltd, an Australian insurance company regulated by APRA and a member of the Insurance Council of Australia.
Get a competitive fixed rate from one to five years with the Virgin Money Reward Me Fixed Rate Home Loan.
