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Virgin car insurance at a glance

  • Exclusive rewards
  • Optional extras for comprehensive cover
  • 24/7 claims support

About Virgin Money Australia

As well as being proudly part of the global Virgin brand and network, Virgin Money is 100% owned by the Bank of Queensland (BOQ) Group. Virgin Money Australia has been delivering rewarding insurance to Australians since 2009 together with Auto & General (A&G), one of Australia’s leading insurance providers.

Virgin Money Insurance makes it easy to protect what matters most, with plenty of Car insurance and Home & Contents insurance options fit for you.

What Virgin car insurance covers

Customers can choose between three levels of car insurance: Comprehensive, Third Party Property, Fire and Theft and Third Party Property Only.

On top of these levels of cover, Virgin Money offers customers a range of optional extras they can add to their Comprehensive car insurance for further coverage.

Insured events and inclusionsComprehensiveThird Party Property, Fire and TheftThird Party Property Only
Damage to other people’s property
Accidental damage to your own car
Fire damage
Malicious damage
Essential repairs
Storm damage
Hire car following no-fault accident
Hire car following theft
New car replacement
Personal belongings
Towing costs
Trailer damage
Damage from an uninsured third-party driver
Optional extras
Roadside assistanceOptionalOptionalOptional
Hire car following an at fault accidentOptional
Window glass excess reductionOptional
Choice of repairerOptional
Information accurate as of March 2023. Read the Product Disclosure Statement (PDS) for the full details.

Why choose Virgin car insurance?

Virgin Money offers multiple levels of cover to suit various budgets and needs. Beyond their coverage and service, there are a few other reasons why Australians go to Virgin Money for car insurance, such as:

  • Authorised repairs guaranteed for as long as you own the car
  • Restricted driver discounts available on all policies
  • No excess payments for not at fault accidents caused by an identified third-party
  • Flexible excess options so you can choose the amount you pay
  • From time to time you’ll enjoy access to discounts and exclusive experiences through Virgin Perks
  • Option to purchase roadside assistance membership

Frequently asked questions

How do I pay for my Virgin car insurance?

You can pay for your Virgin car insurance policy online with a Visa, Mastercard or American Express card or via Direct Debit from your bank account. You can pay your car insurance annually, monthly or fortnightly. It’s cheaper to pay annually for car insurance with Virgin Money than monthly or fortnightly instalments.

Does Virgin car insurance cover drivers under 25?

Yes, if you’re under 25 you will be covered by Virgin car insurance. It’s important to keep in mind that if you, or another listed driver who is under 25, has an accident or needs to make a claim, you may incur an additional excess.

How do I make a claim on my Virgin car insurance?

You can make a car insurance claim by logging into your online policy manager via Virgin Money’s website or by calling their claims line. When an incident occurs, you should:

  • Take photos
  • Gather details from anyone else involved (name, phone number, address, car registration number, insurer and licence number) as well as any witnesses
  • Ask for copies of CCTV and dashcam footage
  • Report the incident to the police (if applicable) and ask for a copy of the police report.

Once you’ve lodged your claim, you’ll be given an estimated processing time. A support service is available to answer any questions you have about making a claim and guide you through the process.

Does Virgin car insurance have an excess?

There will usually be a basic excess payment when you make a car insurance claim with Virgin Money, which will be outlined in your policy documents. When purchasing Virgin car insurance, you can choose a higher basic excess which may lower your premium, and vice versa. Keep in mind that you’ll have to pay the excess amount you choose in the event of a claim.

In addition to the basic excess, there may be additional excess payments depending on the circumstances of the incident. These include:

  • A young driver excess if the driver of the car was under 25 years of age at the time of the incident
  • An unlisted driver excess if the driver at the time of the incident was not a listed driver on your policy’s Insurance Certificate
  • An excess payment if the driver at the time of the incident has not held a full or open Australian licence for two or more years

How do I cancel my Virgin car insurance policy?

You can cancel your policy through Virgin Money’s online policy manager tools or by calling their Customer Care Team. If you pay your premium annually and have no pending claims, you’ll be refunded an amount of money based on the amount of time you had left on your policy period, but you also may have to pay a cancellation fee.

Should you cancel within 21 days of purchasing Virgin car insurance without making a claim, you’ll receive a full refund and won’t be charged a cancellation fee.

Do I get rewards for buying Virgin car insurance?

When comparing and buying car insurance with Compare the Market, you’ll see any applicable special offers and promotions for each listed policy before you buy. This includes any discounts for purchasing cover online.

What Virgin Perk rewards do I get as a car insurance customer?

For being part of the Virgin Money family, you’ll have access to Virgin Perks from time to time, including offers from other Virgin Money products, partners or Virgin Group businesses. They’ll let you know when these offers are available or you can check their website for the latest news and offers.

Compare car insurance today

Ready to compare Virgin car insurance with a wide range of policies from other Australian providers? Use our free car insurance comparison service to enter your details and compare policies side-by-side in minutes.

Our comparison tools make it a breeze to weigh up car insurance quotes by coverage, cost, excess options, extras and special promotions. Why not see what we have to offer?

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