🎂 Turned 31 this year? Get health insurance before your price rises.
Get cover
Virgin Money travel insurance logo

Virgin car insurance

Need to get your wheels covered? Virgin car insurance could have a policy that suits your needs.

After tackling the credit cards, savings and home loans markets, it was only natural for Virgin to emerge as a choice for Australians looking for car insurance. With policies underwritten by Auto & General Insurance Company Limited, Virgin offers a selection of car insurance policies to suit a range of needs and budgets. Customers can choose from the following policies: Comprehensive Cover, Third Party Fire and Theft, and Third Party Property Cover.

Read on to learn about your policy options.

finder.com.au’s 3 fave features

Virgin money logo

  1. You can save 15% when you purchase their Price Saver policy online.
  2. If your circumstances stay the same, your premiums will stay the same in your 2nd year of cover.
  3. Get a discount if you have an approved security device system.

Keep reading to review some of the benefits Virgin Car Insurance has to offer you.

Name Product Accidental Damage Roadside Assistance New Car Replacement Fire and Theft Hire car after theft
Yes
Optional
Yes - If your car is written off in the first 2 years or is under 40,000 km
Yes
Yes - Up to $1,000 (Max 14 days)
Save 15% when purchasing online. Eligible customers can earn 5,000 Velocity Frequent Flyer Points when purchasing a new policy by 31 Dec 2018. Excludes NT. T&CS apply.
No
Optional
No
Yes
No
21-day money back guarantee if you change your mind and haven't made a claim.
No
Optional
No
No
No
21-day money back guarantee if you change your mind and haven't made a claim.

Compare up to 4 providers

Virgin Car Insurance Virgin Car Insurance
Save 15% on the Virgin Car Insurance Price Saver Policy Save 15%* - Buy Virgin Car Insurance Price Saver online and save now. Terms and conditions apply.

Last verified

Get deal

What cover options does Virgin offer?

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 includedPrice Saver ComprehensivePrice Promise ComprehensivePrice Saver Third party, fire & theftPrice Saver Third party property
15% discount for cover purchased online
  • Yes
  • No
  • Yes
  • Yes
2nd-year price promise
  • No
  • Yes
  • No
  • No
New for old car replacement
  • 24 months or 40,000kms
  • 12 months
  • No
  • No
Emergency accommodation and transport
  • $850
  • $300
  • No
  • No
Hire car
  • Yes
  • Yes
  • Yes
  • No
Lifetime guarantee on repairs+
  • Yes
  • Yes
  • Yes
  • Yes
Cover for personal effects
  • $500 additional $500 for child seat or capsule
  • $250
  • No
  • No
Trailer in the event of an accident
  • $1,000
  • $500
  • No
  • No
Zero excess charged if third party at fault
  • Yes
  • Yes
  • Yes
  • Yes
No claim discount
  • Yes
  • Yes
  • No
  • No
Discount for security installation
  • Yes
  • Yes
  • Yes
  • No
Debris Removal
  • $500
  • No
  • 500
  • 500
Death benefit
  • $5,000
  • No
  • $5,000
  • $5,000
Replacement keys/remote
  • $1,000
  • $1,000
  • No
  • No
Legal Liability
  • $20 million
  • $20 million
  • $20 million
  • $20 million
Lump sum or instalment payments
  • Yes
  • Yes
  • Yes
  • Yes
Agreed value or market value*
  • Yes
  • Yes
  • No
  • No
No claim discount protection*
  • Yes
  • Yes
  • No
  • No
Windscreen excess reduction*
  • Yes
  • Yes
  • No
  • No
Accident hire car*
  • Yes
  • Yes
  • No
  • No
Restricted driver discounts*
  • Yes
  • Yes
  • Yes
  • Yes
Variable excess to reduce premium*
  • Yes
  • Yes
  • No
  • No
Roadside assistance*
  • Yes
  • Yes
  • Yes
  • Yes

* - Optional

Which cover best suits me?

  • Comprehensive (Price Saver). This Comprehensive policy is available for a discount of 15% when you purchase online. It includes $20 million of legal liability cover and can be tailored to suit your individual protection needs. You’re covered for accidents whether you’re at fault or not, as well as for theft, vandalism, fire and a range of other risks. Cover is also provided for emergency accommodation and transport, personal effects, replacement keys and more.
  • Comprehensive (Price Promise). Price Promise policies are available for customers who prefer to purchase their cover by speaking to a Virgin Customer Care representative. If your circumstances don’t change, the price of your cover is guaranteed to stay the same for the second year of your policy. A Price Promise policy provides cover for new car replacement, emergency accommodation and transport, hire vehicle following theft and legal liability.
  • Third Party Fire and Theft Cover (Price Saver). If your vehicle causes damage to another person’s vehicle or property, this policy provides cover. It also offers protection when your car catches fire or is stolen, and it’s designed for cars valued at less than $10,000. Limited cover is also offered if your car is damaged by an uninsured vehicle and you are not at fault.
  • Third Party Property Cover (Price Saver). In situations where your vehicle causes damage to someone else’s property, this policy provides the protection you need. Cover is also included for when your car is damaged by an uninsured vehicle and you are not at fault.

What am I not covered for?

Your Virgin car insurance claim will be rejected in certain circumstances, such as:

  • If your car was being driven by anyone not listed on your certificate of insurance.
  • If your car was being driven by anyone excluded by their age.
  • If the driver of your car did not hold a valid licence.
  • If the driver was under the influence of drugs or alcohol.
  • If the driver refused to undergo drug or alcohol testing.
  • If your car was used to carry other people or goods in exchange for payment.
  • If your car was being used for racing, trials, tests or rallies.
  • If your car was being used for any unlawful purpose.
  • If your car was being driven in an un-roadworthy or overloaded condition.
  • If your car was being used to carry explosive or toxic goods.
  • If you do not attend when your car is being shown to someone for sale and it is stolen.
  • If the driver of your car did not remain at the scene of an accident when required to do so.
  • If your claim is for reduction in the car’s value following repair.
  • If it is for tyre damage caused by punctures, cuts or bursts.
  • If it is for consequential loss.
  • If it is for wear and tear or rust and corrosion.
  • If it is for anything which occurred outside Australia.
  • If it was deliberately caused by you or anyone acting on your behalf.
  • If it was caused by the discharge or escape of any oil or coolant, except as the result of a collision.
  • If it results from an act of war or terrorism.
  • If it results from detention or confiscation by any relevant government authority.
  • If the loss, damage or liability was caused by cleaning, restoring or modifying the vehicle.
  • If it was caused by using the incorrect type of fuel.

How much does Virgin Car Insurance cost?

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:

  • The age of the driver. Younger drivers have less experience and are statistically proven to be involved in more accidents.
  • The type of car you drive. A high powered and expensive sports car is obviously going to cost more to insure than an economical little runabout.
  • Where your car is kept. You may live in a high crime area or an area prone to hail storms, while cars kept in a locked garage overnight are seen to pose less of an insurance risk than those that are left parked on the street.
  • How your car is used. Someone who drives 20,000 kilometres a year in busy city traffic will pay more for cover than an elderly country resident who does minimal driving.
  • How secure it is. If your car has a security system installed this will reduce the cost of your premiums.
  • Your claims history. The driving and claims history of you and any other driver will also be considered to determine the risk you pose.

How much excess will I 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.

How can I save?

  • Velocity Points. New Virgin car insurance customers can receive 5,000 bonus Velocity Points to spend on a host of rewards.
  • Online discount. Customers who purchase a Comprehensive Price Saver policy online can take advantage of a 15% discount on the cost of cover.
  • Choose a higher excess. This entitles you to pay less for your premiums.
  • Restrict drivers. You can opt to specify that only drivers over the age of 21, 25, 30 or 40 will be driving your car. This enables you to enjoy big savings on cover.
  • No claim discount. The more years you go without making a claim on your policy, the greater the savings you will receive from Virgin.

How do I claim?

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.

Commonly thought questions


Was this content helpful to you? No  Yes

Related Posts

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms and Conditions and Privacy Policy.
Ask a question
Go to site