Car Insurance
Cover your car inside and out with comprehensive car insurance.{sub-heading}
The confidence of car protection for every trip
Get comprehensive car insurance that helps protect your car at home, on the road or travelling, with emergency repairs, key replacement and hire cars for eligible incidents.
Summary of benefits
Highlights of our comprehensive car cover{sub-heading}
Hire car after not at fault collision or theft
Cover to hire a similar-sized car if yours has been stolen (up to $150 per day for up to 21 days) or involved in a not-at-fault collision (up to $150 per day).
Emergency accommodation or travel
Help covering short-term accommodation and transportation (up to $100 daily to a total of $1,500) if an incident is more than 100km from home.
Baby capsules and child seats
Cover up to $1,500 to replace baby capsules or child seats fitted to your car that are stolen or damaged in an incident.
Loss or damage
If your car is stolen or damaged as a result of an incident, we can cover your car up to the sum insured.
Personal property
Cover the loss or damage to your personal property (up to $1,500) inside your car due to an incident, excluding theft.
Keys and locks
If your car keys are stolen, there's cover to replace and recode the keys and locks (up to $1,500).
Lifetime repair guarantee
Guarantee for repairs arranged and authorised by us and to fix any faulty workmanship, for as long as you or a family member own the car.
New car replacement for total loss
If your car is under 2 years old and was either purchased new or is a demonstrator car. New car must be readily available, otherwise we pay the higher of your sum insured or the amount you originally paid for your car.
Emergency repairs
Cover for emergency repairs arranged by you to ensure your car is safe to drive after an incident, up to $1500.
These are only some of the highlights and benefits of our cover for motorists. Limits, conditions and exclusions apply. Please refer to the PDS{external-link} for more information.
Frequently asked questions
See all FAQs{small-button, external-link}
What type of motor insurance does Virgin Money Insurance offer?
What is the difference between comprehensive car insurance and compulsory third-party motor insurance?
Comprehensive car insurance is a policy that provides cover for your vehicle, as well as for loss or damage your vehicle causes to someone else's vehicle or property. It includes cover for a range of different circumstances including:
- Cover for the loss or damage to your vehicle in an incident, theft, fire or weather event
- Payment for any emergency repairs to your vehicle up to $1,500 or for the cost of hiring a car when yours has been stolen (up to $150 per day up to 21 days)
- Third party liability cover for when you cause damage to someone else’s vehicle or property
Compulsory third party (CTP) insurance protects drivers from the financial impact of causing injury or death as the result of a motor vehicle incident.
What am I covered for?
How much should I insure my vehicle for?
What is the difference agreed value and market value?
Agreed value
When you choose an agreed value policy, the value of your vehicle will be mutually agreed on by you and Virgin Money Insurance. This value will remain valid until your next renewal. At renewal, if you do not agree with the new value you have been offered, you can call us to discuss this.
Market Value
When insuring your vehicle for a market value, the value of your vehicle will be determined when you make a claim for an incident. This will be calculated based on your local car market, the age and condition of your vehicle and the kilometres it has travelled.