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Car Insurance explained

When it comes to taking out car insurance it’s important to know that you’re getting value for money and the right level of cover for you. So we’ve provided some information about car insurance to help make the decision easier.

How car insurance works

Getting a policy

How car insurance works

Types of cover
Generally there are three main types of car insurance available which means that you can choose the type of cover that’s right for you and your vehicle:

Comprehensive – this is the highest type of cover you can purchase and protects you against any accidental loss or damage to your vehicle or another person’s property, no matter who was at fault.

Third Party – covers you against damage you cause to other people’s property in an accident. This means that if the accident is your fault, you will have to cover the expenses and repairs to your vehicle. You may also be able to ‘upgrade’ your Third Party cover to protect you against damage or loss to your vehicle caused by fire, theft or third party theft.

Compulsory Third Party (CTP) – in most states you must have CTP Insurance in order to get a vehicle registered. It protects vehicle owners and drivers against claims of personal injury caused by you to another person.

How car insurance premiums are calculated
Insurance underwriters generally calculate premiums based on a level of risk they associate with the driver and the car. A number of factors may be considered when working out the level of risk such as:

  • age and gender
  • driving and accident history
  • the type of car you drive and any modifications it’s had
  • your youngest nominated driver

Note: All car insurance policies have terms, conditions and exclusions. Always make sure that you read the Product Disclosure Statement (PDS) before buying an insurance product.

Check out Virgin Car Insurance Comprehensive cover

Check out Virgin Car Insurance Third Party Property

Getting a policy

Each insurer is different so it’s a good idea to look for the options & extras available such as roadside assistance, rating protection and restricted driver discounts to name a few.

There can also be other ‘value add’ items like discounts if you buy online, pricing offers and customer service.

Once you’ve chosen the insurance provider and policy for you, here are some of the things that you’ll need in order to take out a policy:

  • your contact details
  • details about the car you wish to insure
  • driving and insurance history

Most insurers offer a choice of paying for the policy upfront in one lump sum or by the month. Whichever way you choose, remember that there’s a cooling off period in case you change your mind or find the policy isn’t right for you.

Check out Virgin Car Insurance Comprehensive cover

Check out Virgin Car Insurance Third Party Property

 

 


*If an existing Virgin Car Insurance customer refers a friend or family member and they purchase a Comprehensive Virgin Car Insurance policy between 09 September 2011 and 31 March 2012, both the Referrer and person Referred will be entitled to receive a $50 Visa pre-paid gift card provided all requirements below are met. To be eligible, the person referred must be a friend or family member of a Virgin Car Insurance policy holder, and purchase a Comprehensive Virgin Car Insurance policy between 09 September 2011 and 31 March 2012 (excluding purchases made through partner sites such as InfoChoice, RateCity, Mozo, Captain Compare, iSelect, Velocity and Virgin Mobile). Both the Referrer and person Referred policies must be in force at the time the gift cards are posted. Limit of one gift card per new customer (person Referred). Offer not available to persons Referred who are existing or previous policy holders of Virgin Car Insurance. Offer only valid for legitimate friends and family of Referrer.

To claim the gift cards, the Referrer must go to virginmoney.com.au/carinsurance, click on the 'Claim your Refer a Friend offer' button and provide us with both parties policy number and email address no later than 15 April 2012. Virgin Money reserves the right to validate all claims. If eligible, the gift cards will be posted to the postal addresses listed on each eligible persons policy approximately 60 days after the Referee's policy has commenced, and a valid referral email request is submitted.

The $50 Visa pre-paid gift card will be activated when posted and will be valid for at least 12 months. The card can be used for purchases of goods and services where Visa pre-paid gift cards are accepted. Further conditions apply and will be detailed when the card is supplied to you. This offer is valid between 09 September 2011 and 31 March 2012 and available for Australian resident and over 18 years of age in New South Wales, Queensland, Victoria, South Australia, Australian Capital Territory, Western Australia and Tasmania. This offer is not available in the Northern Territory. The offer is not redeemable for cash, is non transferrable, and may be amended by Virgin Money at any time without notice.

Insurance is offered by Virgin Money (Australia) Pty Limited (ABN 75 103 478 897 ; AR No 280884) (Virgin) as an Authorised Representative of A&G Insurance Services Pty Ltd (ABN 61 003 617 909; AFSL 241411) (AGIS). AGIS arranges the insurance on behalf of the insurer, Auto & General Insurance Company Limited (ABN 42 111 586 353; AFSL 285571) (A&G). Because we don't know your financial needs, we can't advise if this insurance will suit you.

You should consider your needs and read the Product Disclosure Statement (PDS) and the Financial Services Guide (FSG) before making a decision to buy insurance. Click here to view a copy of the PDS and FSG. Not available in NT.