Virgin Money Car Insurance - Compare our Car Insurance: Third Party Car Insurance

THIRD PARTY CAR INSURANCE

Third Party Property Car Insurance, is affordable insurance to cover damage caused by your car to other people’s property. This includes damage to cars, buildings, fences and other structures.

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What's in it for me?

Why Virgin Third Party Car Insurance?

Affordable

Save 15% on your first year’s Third Party Property Car Insurance premium when you purchase online1, so you can spend more of your money, your way.

Cooling off period

A 21-day cooling off period if you change your mind and haven't made a claim. It's in your hands.

$20M cover

Cover for up to $20m legal liability for accidental damage to other people’s property caused by use of the car.

For more information on what’s included in Virgin Money’s Third Party Property Car Insurance, see the PDS for full details of limits, terms and conditions.

What's covered?

What's covered?

We offer two types of Third Party car insurance. With Third Party Property Insurance, you're covered for damage caused by your car to other people’s property, plus limited cover for the car if damaged in a no fault accident with an uninsured vehicle.

For extra coverage, consider our Third Party Property, Fire & Theft Insurance. With Third Party Property, Fire and Theft Insurance, your car is protected if it is stolen or catches fire on top of everything else already covered with our Third Party Property Only Insurance.

Policy Benefits

 Virgin Price Saver
Third Party, Fire & Theft		 Virgin Price Saver
Third Party Property
Hire car following theft  
$1,000 cover (limit 14 days)		  
Lifetime guarantee on authorised repairs3    
Damage caused by an uninsured driver
Up to $5,000 (including recovery, towing and storage costs)		    
Debris removal $500 $500
Death benefit $5,000 $5,000
Legal Liability $20 million $20 million
Lump sum or instalment payments    

Please see the PDS for full details of limits, terms and conditions.

Add-ons

Add-ons

You may need more cover to suit your situation, so we provide the following options with the Virgin Third Party Car Insurance:

  • Restricted driver discounts
  • 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  
    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.


If you’re looking for more, check out our comprehensive cover

Check out our comprehensive cover

We’re all for spending less on premiums and more on you. Reward yourself with up to 10,000 Velocity Points when you purchase a new eligible comprehensive Virgin Car Insurance policy by 31 January 202517. You’ll also save 15% on your first year’s premium when purchased online1, so you can spend more of your money your way.

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FAQs

  • 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 details 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 in, steal it, vandalise it or set it alight.
    • Third Party Property, Fire and Theft cover 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 offers limited cover if your car is damaged by an uninsured vehicle and the accident is their fault.
    • Third Party Property Only 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.

    Ready to go? Get an online quote.

  • What is Third Party Property Car Insurance?

    Third Party Property Only Insurance provides cover for damage caused by your car whilst you are driving to other people’s cars and property. Third Party Property, Fire & Theft Insurance provides cover to your car in the event of a fire, or if your car is stolen. 

  • What does Third Party Property Car Insurance cover?

    Third Party Property Only Car Insurance at Virgin Money will cover you for the damage caused by you to someone else’s cars and property. It also includes up to $5,000 for damage caused by an uninsured vechicle and the accident is their fault (including recovery, towing and storage costs). 

    It does not cover your car from fire or theft. To cover your car for these unfortunate circumstances, consider Virgin’s Third Party Property, Fire & Theft Insurance, which covers your vehicle for instances of theft and fire, in addition to the coverage provided by our Third Party Property Only Car Insurance.

  • What is the difference between Compulsory Third Party (CTP) and Third Party Property Car Insurance?

    Compulsory Third Party, or CTP insurance is a mandatory type of insurance in all states and territories in Australia. It covers personal injury or death caused to third parties in a car accident.

    Third Party Property Car Insurance is optional, it covers for damage to other people's property and vehicle.