Virgin Car Insurance

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FAQs

Taking out a Policy

About our cover

Premiums

Accidents & claims

No claims discount

About us

Taking out a Policy


A.
You have three options to choose from when buying car insurance. It’s whatever you’re most comfortable with.
  1. Online

    You can get a quote and buy online, 24/7. Once the quote is complete, simply follow the ‘How to apply online’ instructions. Our online quote and purchase system is secure, convenient and simple to use.

  2. Quote online, purchase over the phone

    Complete a quote online, take note of your Quote Reference Number then call our Customer Service Team on the number provided to complete the purchase. We’re here to help Monday to Friday (8.00am-8.00pm EST) and Saturday (8.00am-5.00pm EST).

  3. Over the phone

    There are no forms to fill in, so simply call our Customer Service Team on 1800 887 707 to do a quote and purchase over the phone. We’ll take you through the process and answer any questions that crop up along the way. We’re here to help Monday to Friday (8.00am-8.00pm EST) and Saturday (8.00am-5.00pm EST).

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Yes. You can get a quote and buy online - 24/7.
Once the quote is complete simply follow the ‘How to apply online’ instructions. Our online quote and purchase system is secure, convenient and simple to use.
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There are many benefits when purchasing insurance online:
  1. Do it when it suits you 24/7
  2. No forms…ever.
  3. It can be up to 40% faster than doing it over the phone
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Yes. You can get a quote and buy online - 24/7.
In most cases you can be insured once you complete a purchase either online or over the phone. To speed up the process please have on hand details of your car and driving record. You can be insured the day you take out a policy, or choose a later date for your cover to begin.
Ready to go? Get an online quote and buy online 24/7 or call 1800 887 707 Monday to Friday (8.00am-8.00pm EST) and Saturday (8.00am-5.00pm EST).
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Just like purchasing insurance over the phone, your insurance cover will begin on the date you request the cover to start.
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Please call 1800 887 707 with your Quote Reference Number and we’ll give you a hand. We’re here to help Monday to Friday (8.00am-8.00pm EST) and Saturday (8.00am-5.00pm EST).
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We accept Visa or Mastercard.
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For your convenience and security we offer you two different ways to pay for your insurance online. You can pay with either a Visa or Mastercard or alternatively you can choose to pay via online Direct Debit from your Bank, Credit Union or Building Society account.
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This is called non-disclosure and affects an insurer's ability to accurately assess your risk or calculate the correct premium. It can lead to a claim being paid only in part, or not paid at all and/or your policy being cancelled.
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Your safety is of utmost importance to us. Our VeriSign certificate confirms that our online quote and payment system enables sensitive data to be safely encrypted. Please also make sure that the computer you’re using is protected with the latest internet security system.


The information above is a summary only. See our Product Disclosure Statement for all the detail plus the full terms & conditions.

About our cover


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There are several ways to make your premium more affordable. These include:
  • restricting drivers by age
  • increasing your excess
  • installing a combined alarm and immobiliser to reduce the risk of car theft.
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You can also choose to spread the cost of your insurance by paying in monthly instalments instead of one bulk sum. If you choose to pay by the month, please make sure payments happen on time (or your policy may be cancelled without notice).
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Comprehensive.

Comprehensive cover means you're fully protected against all manner of accidents, whether you or someone else is at fault. Your car is also protected should someone break in, steal it, vandalise it or set it alight.

The information above is a summary only. See our Product Disclosure Statement for all the detail plus the full terms & conditions.

Ready to go? Get an online quote.

Third Party, Fire and Theft.

Third Party, Fire and Theft gives you protection against damage caused by your vehicle to another's property, plus cover should your car catch fire or if someone steals it. It's for cars valued at less than $10,000 and offers limited cover if your car is damaged by an uninsured vehicle and the accident is their fault.

The information above is a summary only. See our Product Disclosure Statement for all the detail plus the full terms & conditions.

Ready to go? Get an online quote.

Third Party Property.

Third Party Property cover gives you protection against damage that's been caused by your car to someone else's property, and limited cover if your car is damaged  by an uninsured vehicle and the accident is their fault.

The information above is a summary only. See our Product Disclosure Statement for all the detail plus the full terms & conditions.

Ready to go? Get an online quote.

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It's a personal thing of course, but the following are some of our benefits people find useful:
  • Lifetime guarantee on repairs for as long as you own the car.
  • Rating 1 for life option (maximum no claim discount for life).
  • No forms to fill in…ever, when you apply over the phone.
  • The 21-day money back guarantee if you cancel your policy and haven't made a claim.

Terms and conditions apply to all benefits, and you can read all the details in our Product Disclosure Statement.

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We do cover some vans, but we do not cover bikes, caravans or boats.
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Yes, if you've chosen business use cover, however we don't cover business use for:
  • carrying passengers or other people's goods for payment
  • paid driving tuition
  • hiring the car to other people.
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Market value is the reasonable cost to replace your car with one of the same make, model, age and condition at the time of loss or damage. It doesn't include any allowance for warranty, stamp duty, transfer costs or dealer profit.
Agreed value is the amount we agree to insure your car for during each term of insurance. The value may change each time you renew the policy.
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If you have a Comprehensive policy we provide cover for damage to your things resulting from a collision involving your car. Limits do apply, so please read our Product Disclosure Statement for all the detail.

Premiums


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We can help you get the right price with a policy that best suits your needs. You can:
  • restrict drivers by age (which will reduce the premium)
  • increasing your excess
  • reduce your windscreen excess
  • protect your maximum no claim discount.

If you’re a good driver and we have all the right information about you to evaluate your risk level effectively, you can also expect to pay lower premiums. (For all the detail, see our Product Disclosure Statement.)

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Car insurance premiums are calculated based on the level of risk our insurance underwriter, Auto & General Insurance Company Ltd (AGIC), associate with you and your car. It’s simple factors that differentiate you and someone else that contribute to the assessment of that risk.

When looking at risk, factors considered include the make and model of the car, the age of the driver/s, the driver's history, frequency of claims and where you live. (For example, not all insurers treat each suburb the same. In addition, where you park the car at night will often affect your premium.)

AGIC’s underwriting is more comprehensive than most other car insurers, which allows them to offer very competitive rates to Australian drivers.

Accidents and claims


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Just call 1800 662 884 to make a Virgin Car Insurance claim or fill in our quick Online Claim Notification Form (available 24/7). Once we’ve got you on the line you’ll be guided through our fast and friendly process, and we’ll answer any questions that crop up along the way. Our friendly claims team will do their best to ensure your claim’s experience is as hassle-free as can be.
Given that we’ll be asking you a few questions about the accident, try jotting down everything you can remember before we speak, such as:
  • your policy number
  • police report number
  • date, time and nature of the accident
  • details about other cars and drivers involved (and the name of their insurance company).
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Firstly, please don’t admit fault, as the matter may require investigation to determine fault accurately. Just make sure you get the other driver's details, and report the accident to the police if you need to. Make sure you tell us straight away of any incident involving your car that may lead to a claim.

If you've got Comprehensive cover, we'll have your car repaired so you can be back on the road as soon as possible. If your car's likely to be written off, we'll arrange for an inspection so we can process your claim as soon as possible.

We'll also handle the other driver's claim ASAP. If their insurers send any papers directly to you, please send them on to us so we can take care of it for you (that’s what we’re here for).

If you've got Third Party Property or Third Party, Fire and Theft, we'll sort out the other driver's claim but you won't be covered for any damage to your car.

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Make sure you tell us straight away of any incident involving your car that may lead to a claim. If you've got Comprehensive cover our first priority will be to get your car back on the road. Or if it's going to be a write-off, process your claim as soon as possible.

If we decide the driver of the other car was entirely at fault, and you fully identify them, you won’t have to pay any excess and your no claims discount won’t be affected.

If you've got Third Party Property or Third Party Property, Fire & Theft you'll need to get in touch with the other driver's insurer to claim for any accident damage to your car, if they are uninsured call us on 1800 662 884.

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Try not to panic. The first thing you should do is report it to the police and ask for an incident number. If you have Comprehensive cover or Third Party Property, Fire & Theft, call us on 1800 662 884 with the incident number and we’ll make a start on you claim (and have it sorted as soon as possible).
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It's up to you:

  • For your convenience we can organise a repairer and manage the process on your behalf. We may request that your car be made available for inspection at a location nominated by us (possibly at one of Auto & General's assessment centres).
  • Or you can choose your own repairer. Note that should our assessor consider the quote to be less than competitive or that the repairs may not be completed to a satisfactory standard, we reserve the right to authorise an alternative repairer chosen by us or to pay you the reasonable cost of a satisfactory repair.
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Our Comprehensive cover doesn't automatically include a courtesy car, but you can buy our accident car hire option. How it works is that after we agree to pay your claim and you've made the car available for repairs, we'll arrange for a compact hire car until your car is fixed or your claim settled (not exceeding 14 days).
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With Comprehensive cover, if we pay a claim for theft of your car, we'll reimburse your reasonable cost of hiring a similar car until the car is recovered or your claim is paid, or for a maximum period of 14 days (whichever happens first).
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Reporting requirements varying by State. Your local traffic authority will have more information.

No claims discount


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It's a discount applied to reduce your premium that's calculated on your years of driving experience and claims record. As you gain more years of claim-free driving you receive a discount from the full-priced premium until it reaches a maximum discount (also known as Rating 1). This is because we believe you’re less likely to make a claim than a less experienced driver or a driver with a poor driving record.
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These are a scale insurers use to rank your driving history and risk. Rating 1, NCD and NCB all refer to a discount applied to the full premium.
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You can protect your Rating 1 (maximum no claims discount) by selecting our NCD protection option. This allows you to have one claim per 12-month policy period, or up to two claims in three years without affecting the rating.

If you have NCD protection with us for two consecutive claim-free years, you qualify for a Rating 1 for life. (Which means all car insurance claims have no impact on your NCD for as long as you have NCD protection).

You won’t lose any NCD on renewal following a window glass claim, or if the other car in a collision is entirely at fault and the driver is identified to us. For other claims, your NCD may be reduced at renewal.

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Yes, it may be protected for a small additional premium, provided:
  • you hold a maximum five years no claim discount
  • you haven’t had an at-fault claim in the past two years.

This protection will allow you to make one claim during the current period of insurance, or two claims in a three-year period without affecting your NCD.

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Yes. We can give you a no claims discount if:
  • you're replacing or taking over a company car
  • you can provide a letter from your employer stating how many years you‘ve been driving the company car without a claim.

(Your no claims discount will be based on the number of consecutive years you’ve been driving the car without a claim.)

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We’ll give you a free NCD on your second car that matches the NCD on your other vehicle provided the following:

  • Cover is restricted to drivers 25 and over
  • Your car isn’t used for business use
  • Your spouse/partner is listed on the policy

About us


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Our policies are underwritten by Auto & General Insurance Company Limited, an Australian Insurer authorised to conduct insurance business in Australia by the Australian Prudential Regulatory Authority (APRA). Auto & General Insurance Company Limited is a member of the Insurance Council of Australia and participates in the Insurance Code of Practice.
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Virgin Money has teamed up with AGS to offer you car insurance with a range of flexible options and very competitive rates. AGS administers your policy on behalf of your insurer and is a related company of theirs. AGS holds an Australian Financial Services License and participates in the General Insurance Code of Practice.

 


Promoter: Virgin Money (Australia) Pty Limited (Virgin Money) Authorised Representative No. 280884 of Virgin Money Financial Services Pty Ltd AFSL 286869. Auto & General Services Pty Ltd  arranges the insurance on behalf of Auto & General Insurance Company Ltd (Auto & General). As we don’t know your financial needs we can’t advise if this insurance will suit you. Consider your needs and the Product Disclosure Statement (PDS) before making a decision to buy this product. Auto & General pays Virgin Money a commission which is a percentage of your premium. For further details see the Financial Services Guide (FSG). View a copy of the PDS A, PDS B, Financial Services Guide and Privacy & Security. Approved applicants only. Insurance not available in the Northern Territory.