Virgin Money Car Insurance - Protect my journey

Car insurance

Come for the carload of Bonus Points, stay for great quality cover for your ride. Whether you’re looking for comprehensive coverage or third party insurance, we can help you find the right car insurance policy to suit you. Get a Virgin Car Insurance quote in minutes.

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15% off car insurance
Sign up online to knock 15% off your first year’s premium on third party or comprehensive policies.1
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10,000 Velocity Points
Drive away with 10k Velocity Points when you purchase a new eligible comprehensive Virgin Car Insurance policy from from 01 October 2024 – 31 January 2025.17
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Award-winning insurance
We’re a finalist in the Finder awards! That’s why you can trust us to do the most when it comes to helping you protect what matters, at a price you can afford.
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What kind of cover are you after?

Comprehensive Car Insurance

Cover to protect you in the case of a car accident, including accidental damage to your car as well as damage to other vehicles or property.

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Third Party, Property, Fire and Theft Insurance

You’re covered for damage caused by your car to other people’s property, as well as if your car is stolen or catches fire. Plus limited cover for your vehicle in a no-fault accident with an uninsured vehicle.

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Third Party Property Insurance

This option covers you for damage your car does to another person’s car or property. That means damage to your car isn’t covered, unless you’re in a no-fault accident with an uninsured vehicle where we'll pay up to $5,000.

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What's covered by your Virgin Comprehensive Car Insurance?

Cover against accidents, regardless of fault, theft, break-in, fire or vandalism of your vehicle.

  • New car replacement: the earlier of 24 months or 40,000km
  • Emergency accommodation and transport: $200 per day, up to $1000 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 and 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

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Still can’t decide which policy is for you? Compare our car insurance options here.

Want a closer look at our car insurance policy?

Download the Virgin Car Insurance PDS

 

 

Why choose Virgin Car Insurance?

Quick and easy

Applying for your car insurance has never been easier. Get a car insurance quote in minutes with our easy online application.

Hail hero

Be in the know with our handy hail SMS alerts, so you (and your car) can duck for cover.

Customised cover

Affordable car insurance made flexible, with extras you can customise.

No fault, no excess6

If you have a car accident and we work out you’re not at fault, we won’t make you pay any excesss.6

At your service 24/7

You can lodge a car insurance claim online or over the phone 24/7, and manage your policy online with the Virgin Insurance hub.

$20M cover

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

Cooling off period

We won't be offended if you change your mind (as long as you haven't made a claim). Think it through with a 21-day cooling off period.5

Lifetime guarantee

A lifetime guarantee on authorised repairs for as long as you own the car.

Terms, conditions, limits and exclusions apply. Please read the PDS here for more information.

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Earn points, enjoy rewards

You’ll earn Velocity Points in so many ways with Virgin Money – like when you take out a new insurance policy, by saving to your super, or from everyday spend on your Virgin Money credit card.


Travel with Virgin
Airlines
Use Velocity Points for travel and flights directly with Virgin Airlines.
Treat yourself
Redeem points for gift cards from your favourite brands and treat yourself or your faves.
 

Award-winning insurance

We’re a finalist in the Finder awards!13 So, you can be sure we’re amongst the best for price and features. That’s why you can trust us to do the most when it comes to helping you protect what matters, at a price you can afford.11

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Want to know more?

How to claim

Get started on your claim, or learn more about the claim process.

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Manage an existing policy

Update your details and more with the Virgin Money Insurance hub.

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Already got a quote?

Update details and more with the Virgin Money Insurance hub.

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FAQs

  • How much is car insurance?

    The cost of your car insurance policy is dependent on a number of factors which include (but are not limited to): 

    • Driver’s age
    • Type of vehicle
    • Driving history
    • Location
    • Type of coverage
  • Comprehensive vs Third Party Property Fire and Theft car insurance, what is the difference?

    Comprehensive and Third Party car insurance are two different types of policies you can get for your vehicle. 

    Comprehensive cover means you're protected against accidents, whether you or someone else is at fault. Your car is also protected should someone break in, steal it, vandalise it, or if it is damaged by storm or bushfire.

    Third Party Property Fire and Theft insurance cover gives you protection against damage caused by your vehicle to someone else’s car or property. Plus cover for loss or damage to your vehicle if it is stolen or catches fire.

  • How does car insurance work in Australia?

    Car insurance in Australia provides cover for different things, depending on your type of cover.

    • Compulsory Third Party (CTP) covers the people that might get injured if your vehicle is involved in an accident.
    • Third Party Property covers damage to other vehicles and property in the event of an accident and you are at fault. 
    • Third Party Fire & Theft covers the same things as Third Party Property, in addition to damages to your car from fire or theft.
    • Comprehensive covers everything that Third Party insurance covers, along with damages to your vehicle if you are at fault. 
  • Is car insurance compulsory in Australia?

    In Australia, Compulsory Third Party (CTP) Insurance, otherwise known as “green-slip” is required to drive legally on the roads. Other car insurance policies, such as Comprehensive or Third party are not compulsory.

  • What does car insurance not cover?

    Unfortunately car insurance doesn't cover everything that happens to your car. A few examples include:

    • General wear & tear.
    • Engine failure.
    • If something happens while you are driving under the influence.
    • If something happens while an unlicensed driver is at the wheel. 

    There may be instances where you can add additional cover to cover specific situations. Please read our Car Insurance PDS for a much more detailed explanation of what is and is not covered.

  • Are learner drivers covered by insurance?

    Learner drivers are covered under Virgin Money’s car insurance cover.