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 4 July 202217.

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 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 policy online 24/7.

For more information on what’s included in the service, see the PDS for full details of limits, terms and conditions.

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 (includes theft and forced entry)
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.

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

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
    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.