Why Comprehensive Car Insurance?

Why Virgin Comprehensive Car Insurance?

Really rewarding

Earn up to 10,000 Velocity Points when you buy a new eligible comprehensive Car Insurance policy by 26 March 202417.

Hail hero

Be in the know with our handy hail SMS alerts, so you (and your car) can duck for cover.

No fault, no excess

If we work out you’re not at fault, we won’t make you pay6.


Protect your car your way. Reduce costs by customising cover or tailor your comprehensive policy by adding optional extras.

Lifetime guarantee

Lifetime guarantee on authorised repairs for as long as you own the car.


With Virgin Insurance Hub, you can manage your comprehensive policy online 24/7.

For more information on what’s included in Virgin Money’s Comprehensive Car Insurance, see the PDS for full details of limits, terms and conditions on our comprehensive policies.

What's covered?

What's covered?

At Virgin Money, we know that every car is different in its own way. That’s why our comprehensive cover protects you and your car for all of life’s speed bumps including, but not limited to:

  • Accidental damage to the car
  • Storm
  • Flood
  • Hail
  • Fire
  • Collision
  • Attempted theft or malicious act

Policy Benefits

Virgin Car Insurance
Price Saver Comprehensive
New car replacement The earlier of 24 months or 40,000kms
Emergency accommodation and transport $200 per day, up to $1000 in total
Hire car following theft  
$1,000 cover
Hire car following a No Fault Accident  

Lifetime guarantee on authorised repairs3  
Personal effects $500
Additional $500 for child seat or capsule
Trailer (belonging to you) cover should you have an accident $1,000
(caravan and trailer)
No claim discount preserved when third party is identified and at fault  
Debris removal $500
Death benefit $5,000
Replacement keys/remote $1,000
Legal Liability $20 million
Lump sum or instalment payments  

Please see the PDS for full details of limits, terms and conditions on our Comprehensive Car Insurance. 

Optional covers

Optional extras.

Protect your ride however you want. Tailor your cover to suit you, with the following optional extras: 

  • Agreed value or market value, eligibility criteria applies
  • Windscreen excess reduction
  • Accident hire car
  • Choice of repairer
  • Restricted driver discounts
  • Variable excess to reduce premium
  • Roadside assistance

Get a quote for Comprehensive Car Insurance

Please see the PDS for full details of limits, terms and conditions. For more details, see the Roadside Assistance Terms and Conditions.

  • More about our optional Roadside Assistance

    Don’t be left high and dry because of a flat battery or breakdown. Having Roadside Assistance will help keep your journey on track. Our service providers will be there to help you day or night, 24/7. Here’s what’s included:

    Benefit Cover limit
    Available 24 hours, 7 days a week  
    1800 788 692
    Callouts Unlimited call outs within a Fair Use Policy For more details, please read section 7 of our Roadside Assistance Terms and Conditions.
    Breakdown Towing Up to 20km in the city, and up to 50km (round trip) in the country/ remote regions
    Emergency Key Service# Up to $125 (incl. GST)
    Use Of Our Technical Advice Hotline Unlimited
    Minor Roadside Repairs  
    Help with flat batteries  
    Help with flat tyres  

    For more details, see the Roadside Assistance Terms and Conditions.

    #As part of your cover you get up to $125 (incl. GST) to help regain access to your car, or for a taxi or to retrieve a spare key.

Join us to see why we’re one of Australia’s
fastest growing motor insurance brands2

Award winning insurance

We’re one of Australia’s fastest growing  motor insurance brands2 for a good reason. We’re a finalist in the Finder awards!13 So you can be sure we’re amongst the best for price and features.That’s why you can trust us to do the most when it comes to helping you protect what matters, at a price you can afford11.

Get a quote



  • What's the difference between Comprehensive, Third Party Property, Fire and Theft and Third Party Property Only?

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

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

    There are currently not many articles in the blog that support the car insurance product. As such, we recommend expanding the current blogs to include content that cover the product and related topics.

    Content ideas include: 

    • The Best Small Cars Around $20,000 in Australia
    • 5 must-do road trips around Australia
    • What to do if you hit a Kangaroo
    • Most Fuel Efficient Cars in Australia | Hybrid vs Non-Hybrid
    • Most Popular Cars in Australia
    • Car Depreciation Guide
    • How to reverse park
  • What is Comprehensive Car Insurance?

    With comprehensive car insurance, you are covered against the loss or damage to your vehicle due to an accident, no matter who is at fault. Your vehicle is also protected from break ins, theft and fire. 

  • What does Comprehensive Car Insurance cover?

    Comprehensive Car Insurance with Virgin Money covers your vehicle against all manner of natural disasters & accidents, whether you or someone else is at fault. Your car is also protected should someone break into it, steal it, vandalise it or set it alight.

  • Do I need Comprehensive Car Insurance?

    Your choice of car insurance policy depends on your personal needs and what you would like covered. Comprehensive offers the most coverage in comparison to Compulsory Third Party and Third Party Property insurance. However, this also means comprehensive cover incurs higher premiums. 

  • Does Comprehensive Car Insurance include CTP?

    No. Comprehensive Car Insurance does not include CTP (Compulsory Third Party insurance). CTP must be purchased separately and is mandatory to have in all states and territories in Australia.