Important documents - Car Insurance

Here you’ll find all the important documents to fully understand the Virgin Car Insurance offering.{sub-heading}

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

Current documents

Virgin Car Insurance Price Saver PDS

Virgin Car Insurance Price Saver PDS Part A

Virgin Car Insurance Price Saver PDS Part B

These PDS apply to new policies quoted on or after 21 September 2023 and policies with a renewal date on or after 29 October 2023.

Virgin Car Insurance Price Saver SPDS

This SPDS applies for new policies quoted on or after 14 November 2024, and policies with a renewal date on or after 22 December 2024.

Virgin Car Insurance Price Promise PDS

Virgin Car Insurance Price Promise PDS Part A

Virgin Car Insurance Price Promise PDS Part B

These PDS apply to new policies quoted on or after 21 September 2023 and policies with a renewal date on or after 29 October 2023.

Virgin Car Insurance Price Promise SPDS

This SPDS applies for new policies quoted on or after 14 November 2024, and policies with a renewal date on or after 22 December 2024

Premium, Excess and Discount Guide (PED)

This PED Guide applies for new policies quoted on or after 14 November 2024 and policies with a renewal date on or after 22 December 2024.

Virgin Car Insurance Target Market Determination

This TMD applies from 27 June 2024.

Financial Services Guide

Roadside Assistance T&Cs

Terms & conditions

These T&Cs apply to Memberships purchased on or after 20 April 2023 and Memberships renewed after 20 May 2023.

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Past documents

Product Disclosure Statement (PDS)

Virgin Car Insurance Price Saver - Product Disclosure Statement

Virgin Car Insurance Price Promise - Product Disclosure Statement

These PDSs apply to new policies quoted between 2 March 2021 and 20 September 2023 and policies renewed between 31 March 2021 and 28 October 2023.

Virgin Car Insurance Price Saver - Product Disclosure Statement

Virgin Car Insurance Price Promise - Product Disclosure Statement

These PDSs apply to new policies quoted between 28 February 2019 and 1 March 2021 and policies renewed between 29 March 2019 and 30 March 2021.

Virgin Car Insurance Price Saver - Product Disclosure Statement

Virgin Car Insurance Price Promise - Product Disclosure Statement

These PDSs apply to new policies quoted before 28 February 2019 and policies with a renewal date before 29 March 2019.

Supplementary Product Disclosure Statement (SPDS)

Virgin Car Insurance Supplementary Product Disclosure Statement

This SPDS applies for new policies quoted between 28 July 2022 and 20 September 2023, existing policies amended between 28 July 2022 and 20 September 2023 and policies renewed between 27 August 2022 and 28 October 2023 (or as otherwise detailed in the SPDS).

Virgin Car Insurance Supplementary Product Disclosure Statement

This SPDS applies for new policies quoted between 31 August 2021 and 27 July 2022, existing policies amended between 31 August 2021 and 25 August 2022 and policies renewed between 29 September 2021 and 25 August 2022.

Virgin Car Insurance Price Saver - Supplementary Product Disclosure Statement

Virgin Car Insurance Price Promise - Supplementary Product Disclosure Statement

These SPDS applies to new policies quoted between 28 September 2020 and 1 March 2021 and policies renewed between 27 October 2020 and 30 March 2021.

Premium, Excess and Discount Guide (PED)

This PED Guide applies to new policies quoted between 14 December 2023 and 13 November 2024 and policies renewed between 21 January 2024 and 21 December 2024.

Premium, Excess and Discount Guide (PED)

This PED Guide applies to new policies quoted between 21 September 2023 and 13 December 2023 and policies renewed between 29 October 2023 and 20 January 2024.

Premium, Excess and Discount Guide

This PED Guide applies to new policies quoted between 28 July 2022 and 20 September 2023 and policies renewed between 27 August 2022 and 28 October 2023

Premium, Excess and Discount Guide

This PED Guide applies to new policies quoted between 28 September 2020 and 27 July 2022 and policies renewed between 27 October 2020 and 25 August 2022

Premium, Excess and Discount Guide

This PED Guide applies to new policies quoted between 28 February 2019 and 27 September 2020 and policies renewed between 29 March 2019 and 26 October 2020

Roadside Assistance T&Cs

Terms & conditions

These T&Cs apply to Roadside Assistance Services purchased on or before 19 April 2023.

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Important stuff

This information relates to Virgin Home and Contents Insurance policies, Car Insurance polices and Roadside Assistance membership issued by Auto and General Insurance Company Ltd purchased before 3 October 2025.

Before switching providers we recommend you compare all policy features and find out if cancellation fees apply. Approved applicants only.

As we don't know your financial needs we can't advise if this insurance will suit you. Please consider your needs and the Product Disclosure Statement (PDS), Target Market Determination (TMD), Financial Services Guide(FSG) and Premium, Excess and Discount Guide (PED) before making a decision to buy this product.

Discount applies to first year's premium paid for new Virgin car insurance Price Saver purchase initiated online on or after 30 March 2017. The discount applies to Comprehensive, Third Party Property and Third Party Fire and Theft Car policies. We reserve the right to change the offer without notice. Base rate premiums subject to change. The discount does not apply to any renewal offer of insurance. Discount applies only to the insurance portion of the premium before any fees, charges or levies that may apply. This may impact the full extent of the discount.

Promoter: Virgin Money (Australia) Pty Limited (Virgin Money) Authorised Representative No. 280884 of Virgin Money Financial Services Pty Ltd AFSL 286869. Auto & General Services Pty Ltd (ABN 61 003 617 909; AFSL 241411) ("AGS") arranges the insurance on behalf of Auto & General Insurance Company Ltd (ABN 42 111 586 353; AFSL 285571).

Virgin Home and Contents: Product Disclosure Statement (PDS), Target Market Determination (TMD) and Financial Services Guide (FSG).
Virgin Car Insurance: Product Disclosure Statement (PDS) and Target Market Determination (TMD), Premium, Excess and Discount Guide (PED) and Financial Services Guide (FSG).
Virgin Car Insurance: Roadside Assistance Terms and Conditions.

This information is of a general nature only and does not take into account your personal financial situation, needs or objectives. As we don’t know your financial needs we can’t advise if our products will suit you. Terms, conditions, limits and exclusions apply. Please consider the relevant Product Disclosure Statement, Target Market Determination and/or Terms and Conditions available at virginmoney.com.au before making a decision about the product. Any discounts on both new and renewing policies only apply to the extent that any minimum premium isn't reached.

Insurances: Virgin Car Insurance and Virgin Home and Contents Insurance are promoted by Virgin Money (Australia) Pty Limited (“Virgin Money”) as the Authorised Representative No. 280884 of Virgin Money Financial Services Pty Ltd ABN 51 113 285 395 AFSL 286869. Car, Home and Contents: Auto & General Services Pty Ltd (ABN 61 003 617 909; AFSL 241411) arranges the insurance on behalf of the product issuer, Auto & General Insurance Company Limited (ABN 42 111 586 353; AFSL 285571).