If you need to make a change to your policy like updating your details or adding another car to your existing policy, it’s simple and easy to do.

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How to make a car insurance claim and steps to take if you are in an accident.

Make a claim

Here you’ll find all the important documents to fully understand the Virgin Car Insurance offering.

Important documents

Find support on Virgin Money products, contact details & important information.

Help & Support

Your one-stop service station. We'll be by your side when you need us most. This page gives you contact info for our Virgin Car Insurance Teams.

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Policy Management

Buy online

You'll get a great 15%1 discount on your first year's premium and there are many other benefits when purchasing car insurance online:

1. Do it when it suits you 24/7
2. It can be up to 40% faster than doing it over the phone

Please note: The 15% online discount applies to Virgin Car Insurance Price Saver only in Year 1.

Find out more & get a quote


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.

Find out more & get a quote

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. 

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. 

Compulsory Third Party (CTP)

Compulsory Third Party (CTP)  Insurance is required for all vehicles in Australia, meaning you definitely need to have it in order to drive on the road. It covers personal injury or death caused to third parties in a car accident.

Car insurance premium

Car insurance premiums are calculated based on the level of risk' the insurance underwriters (Auto & General) associate with you and your car. There are many factors that differentiate you from someone else which is taken into account to assess 'risk'.

Risk is affected by the make and model of the car, the age of the driver/s, the driver's history, whether the car is under finance, 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.)

Learn more about Virgin Money’s car insurance

Adjust your premium

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)
  • increase your excess
  • reduce your windscreen excess
  • apply for a 'no claims 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).

Add or change a policy

(for existing member only)

Simply login to the Virgin Insurance Hub to add, change and update your policy details including excess options and more.

Payment options

You can 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).

Update your payment details

You can monitor and update payment details when you login to the Virgin Insurance Hub.

Pay car insurance securely online

For your convenience and security we offer a number of different ways to pay for your insurance online. You can pay with your Visa, Mastercard or American Express or alternatively you can choose to pay via Direct Debit from your Bank, Credit Union or Building Society account.

Trouble buying online

If you are having trouble buying online please call 1800 887 707 with your Quote Reference Number and we’ll give you a hand. We’re here to help Mon to Fri 8am to 5pm, Sat 8am to 2pm (AEST). Please note that we may have different offers available online and via our contact centre.

Register for the Virgin Insurance Hub

Once you receive your Policy document, go to Manage your policy and provide your mobile number, date of birth and policy details to Register to the Virgin Insurance Hub.

Login details

You can change your login details for the Virgin Insurance Hub by simply logging into the Virgin Insurance Hub then click on 'Update Login Details'.

Trouble logging in

Why doesn't the Virgin Insurance Hub accept my email as a username? If you have more than one policy with us, it will only accept your email as a username once. You will then need to use your policy number as the login. 

Experiencing vulnerability

How can my Insurer assist me if I am experiencing vulnerability? Our insurance partner, Auto & General may be able to assist you.

  • If you are experiencing domestic or family violence and wish to seek assistance with respect to your policy from the Insurer, please click here for Insurer’s Family Violence Policy
  • If you wish to speak to a consultant about your situation, please call 1800 724 678.  Please note our consultants may be able to make any changes required to your policy information and provide you with useful information which may assist you with your situation. 
  • Your Insurer may also provide you access to several professional organisations who offer support beyond insurance. Please click here for Auto General support services.
Cover & No Claim Discount

Cover differences

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

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 in, steal it, vandalise it or set it alight.
  • Third Party 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's for cars valued at less than $20,000 and offers limited cover if your car is damaged by an uninsured vehicle and the accident is their fault.
  • 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.

Ready to go? Get an online quote

Comprehensive cover

Virgin Car Insurance has one product offering Comprehensive cover:

  1. Price Saver. You can receive 15% off on your first year's premium when you purchase online1.

To see what covered in this product, view our comparison table.


Cover for a car used for business

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
  • unpaid driving tuition of a person who is excluded on the Insurance Certificate by name or age, or a household member that is not listed on the Insurance Certificate
  • hiring the car to other people, including under peer to peer car sharing arrangements

Ways to save money

What are the best ways I can save money on car insurance with Virgin Money? There are several ways to make your premium more affordable. These include:

  • restricting drivers by age
  • choosing a higher excess

No Claims Discount

No claims discount and how does it affect premiums

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. 

Full details on how your No Claims Discount works is available in our Car Insurance Premium, Excess and Discount Guide

Personal effects

Cover for personal effects is different across our Comprehensive cover policies. Check out our Compare Cover types page to find out applicable cover limits. Please read our Product Disclosure Statement for all the detail.

Your duty

What is your Duty not to make a misrepresentation? What you need to tell us,

We will ask you questions:

  • when you apply for insurance
  • before we agree to renew, extend, vary or reinstate your policy.

Your answers will help us decide whether to insure you, and on what terms. Each question we ask you is important. Please answer each one fully, accurately and honestly.

Your duty to us

You have a legal duty under the Insurance Contracts Act to take reasonable care not to make a misrepresentation to us. This duty first arises when you enter into an insurance contract with us.

Before we agree to renew, extend, vary or reinstate your policy, we may remind you of your previous answers to our questions. Your duty extends to telling us whether any of this information has changed.

Failing in your duty

Failing in your duty can seriously affect your cover. If you fail in your duty, we may, where permitted by law, do either or both of these:

  • cancel your policy
  • reduce the amount we pay you if you make a claim.

If your failure is fraudulent, we may refuse to pay a claim and treat the policy as if it never existed.


Our policies are underwritten by Auto & General Insurance Company Limited, an Australian insurance company regulated by APRA and a member of the Insurance Council of Australia. They provide insurance solutions for millions of policy holders worldwide.

Industry code

Our insurance is underwritten by Auto & General Insurance Company Limited (Auto & General) who is a member of the Insurance Council of Australia and a signatory to the General Insurance Code of Practice (the Code). By signing up to the Code, they promise to act in an open, honest and fair manner in all their dealings with customers.

Auto & General and Virgin Money are committed to helping our customers better understand their rights when buying insurance, making claims, resolving a complaint, or experiencing financial hardship.

General insurers’ compliance with the code is monitored and enforced by an independent body called the Code Governance Committee (CGC). Customers can report suspected breaches to the CGC, which then investigates and, if necessary, agrees with the insurer on corrective measures within set timeframes.

Any failure to correct a breach can lead to CGC sanctions, which are binding on insurers.

A copy of the code can be accessed by visiting http://codeofpractice.com.au/

Claims and excess

If you have an accident

To help you collect the relevant information in the event of an accident, we’ve created a step by step crash log. Remember to keep it handy in your glovebox, just in case.

If you’ve had an accident, and assuming you’re physically able to, you should:

  • Make sure you and anyone else involved is safely off the road.
  • Call 000 if there are injuries or hazards.
  • Get the details of the other drivers – name, address, contact number and registration number – and give them yours (it’s a legal requirement; if anyone refuses, call the police).
  • Try to get the names, addresses, and contact numbers of any witnesses.
  • If possible, take photographs at the accident scene.
  • If your vehicle is un-driveable, call us on 1800 662 884 to organise a tow or, if you prefer, book your own.

Make a claim

Make a claim

To assist you in collecting the relevant information about an accident, we’ve created a step by step Crash Log. Remember to keep it handy in your glovebox, just in case.

Insurance claim excess

If I make an insurance claim, what will my excess be? You’ll be required to pay:

  • Your Basic Excess
    ...as well as any additional excesses that apply, namely:
  • driver is under 24 years of age inclusive
  • driver has not held a full or open Australian licence for two or more years
  • driver is not listed on your insurance certificate

The dollar amounts of your Basic Excess and the additional excesses are shown on your insurance certificate and can also be viewed in your online account.


When do I pay the excess?

If an excess is applicable to your claim and your car is repairable, we’ll ask you to pay the excess before the repairs start.

If your vehicle is written off, we’ll deduct the excess from the final settlement amount we pay you.

Support paying

Support for paying a car insurance excess

When lodging a claim, we encourage you to tell us if you need support in paying your excess. Depending on your circumstances, you may be eligible for Financial Hardship support.  You can find an overview here of the steps to apply for financial hardship support provided by our insurance partner (Auto & General)

No Claims Discount claim

What happens to my No Claims Discount (NCD) if I make a claim?

You won’t lose any NCD on renewal following a window glass claim, if the damage was caused by severe weather (e.g. hail), or if the other car in a collision is entirely at fault and the driver is identified. For other claims, your NCD may be reduced at renewal.

Change your excess

You can change your Basic Excess at any time. If you increase your excess, we’ll lower your premium (and vice-versa).

Market value vs Agreed value

The difference between 'market value' and 'agreed value'

  • Market value is the value of the car at the time of the loss or damage, taking into account factors such as the make, model, age, kilometres travelled and overall condition.
  • 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.
Repairs & Theft

Stolen car

If your car is stolen 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 your claim to have it sorted as soon as possible.

Find more information on making a claim

Hire car

Will I get a hire car while my car is being repaired or if it is stolen? Our Comprehensive cover automatically includes a hire car if your car is stolen or if it is involved in a no fault accident.

If we accept your claim for a no fault accident or theft of your car, we will provide you with a hire car that meets your needs.

OPTIONAL TO INCLUDE: If you purchase the Accident Hire Car option, after we accept your at fault claim we will arrange for a hire car that meets your needs for you to use until the car is repaired, your claim paid, or for a maximum of 14 days, whichever occurs first.


For your convenience, we may appoint a repairer from our repair network to conduct the repairs, and consult with the repairer to determine the most suitable method of repairs based on the damage to the car.

Or, if you have purchased the Choice of Repairer option you may choose to nominate your preferred repairer. Please note that should our assessor consider a repairer’s quotation is not competitive, or that the repairs would not be completed to a satisfactory standard, we may decide not to authorise repairs and offer you the option to have the car repaired by an alternative repairer chosen by us, or pay you the reasonable cost to satisfactorily repair the car.

Virgin Insurance repairer network

We have a national network of around 180 contracted repairers who can assess your car’s damage and/or repair it, as well as seven dedicated assessment centres.

Please click here to view the repair network.