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COMPREHENSIVE CAR INSURANCE

This information relates to Virgin Car Insurance policies issued by Auto and General Insurance Company Ltd purchased before 2 October 2025.

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 $1,000 in total
Hire car following theft  
$1,000 cover (limit 14 days)
Hire car following a No Fault Accident  
Lifetime guarantee on authorised repairs3  
Personal effects $500
Additional $500 for child seat or capsule
Trailer/Caravan (belonging to you) cover should you have an accident $1,000
(caravan and trailer)
Debris removal $500
Death benefit $5,000
Replacement keys/remote $1,000
Legal Liability $20 million
Lump sum or instalment payments  

Please see the Product Disclosure Statement (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

Please see the Product Disclosure Statement (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.

    • 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 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.
      • 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.
    • 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 Third Party Property Fire & Theft or Third Party Property. 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.