for 6 months
to 10 months
A. You'll get a great 15%1 discount on car insurance and there are many other benefits when purchasing car insurance online:
A. 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.
A. 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 10.30pm, Sat 8am to 5pm (AEST). Please note that we may have different offers available online and via our contact centre.
A. For your convenience and security we offer you two different ways to pay for your insurance online. You can pay with either a Visa or Mastercard or alternatively you can choose to pay via online Direct Debit from your Bank, Credit Union or Building Society account.
A. This is called non-disclosure and affects an insurer's ability to accurately assess your risk or calculate the correct premium. It can lead to a claim being paid only in part, or not paid at all and/or your policy being cancelled.
A. The 15% online discount applies to Virgin Car Insurance Price Saver only in Year 1.
From time to time we partner with our friends at Velocity Frequent Flyer to bring new Car Insurance comprehensive cover customers Velocity Points offers.
The 10,000 Velocity Points2 apply to new comprehensive policies purchased between 2 April 2019 and 5 June 2019.
The 20,000 Velocity Points7 apply to new comprehensive policies purchased between 17 August 2018 and 1 April 2019.
A. Yes. In order for Virgin Money to credit Velocity Points to your Velocity Frequent Flyer Account, you must provide us with your Velocity membership number either when applying for your car insurance or by calling us on 13 81 51. If you're not currently a Velocity Member you can join for free online. Velocity membership, Points earn and redemption are subject to Member Terms and Conditions, as amended from time to time.
A. Virgin Car Insurance has two products offering Comprehensive cover:
To see what cover is included in each product, view our comparison table.
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 fully 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.
Ready to go? Get an online quote
A. Yes, if you've chosen business use cover, however we don't cover business use for:
A. Market value is the reasonable cost to replace your car with one of the same make, model, age and condition at the time of loss or damage. It doesn't include any allowance for warranty, stamp duty, transfer costs or dealer profit. 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.
A. Yes, it may be protected for a small additional premium, provided:
This protection will allow you to make one claim during the current period of insurance, or two claims in a three-year period without affecting your NCD.
You won’t lose any NCD on renewal following a window glass claim, or if the other car in a collision is entirely at fault and the driver is identified to us. For other claims, your NCD may be reduced at renewal.
You can protect your Rating 1 (maximum no claims discount) by selecting our NCD protection option. This allows you to have one claim per 12-month policy period, or up to two claims in three years without affecting the rating.
If you have NCD protection with us for two consecutive claim-free years, you qualify for a Rating 1 for life (which means all car insurance claims have no impact on your NCD for as long as you have NCD protection).
A. There are several ways to make your premium more affordable. These include:
A. 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).
A. 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.
A. Once you receive your Policy document go to Manage your policy then Register to the Virgin Insurance Hub to create your username and password.
A. You can monitor and update payment details when you login to the Virgin Insurance Hub.
A. 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.
A. Yes, simply login to the Virgin Insurance Hub then click on 'Update Login Details'.
A. (for existing member only) Simply login to the Virgin Insurance Hub to add, change and update your policy details including excess options and more.
A. 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:
A. 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.
A. 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.
A. For your convenience, we may appoint a repairer from our repair network to conduct the repairs, determine the most suitable method of repairs based on the damage to the car and manage the entire process on your behalf.
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 have the car repaired by an alternative repairer chosen by us, or pay you the reasonable cost to satisfactorily repair the car, as determined by us.
A. 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 agree to pay your claim for the theft of the car, we will reimburse you the reasonable cost of hiring a similar car, until the car is recovered and repairs have been completed, your claim is paid, or up to a maximum period of 14 days, whichever occurs first. The maximum payable under this benefit is $1,000.
If we agree to pay your claim for a no fault accident, we will arrange for a compact hire car for you to use until the car is repaired, your claim is paid, or for a maximum period of 14 days, whichever occurs first.
If you purchase the Accident Hire Car option, after we agree to pay your at fault claim we will arrange for a compact hire car for you to use until the car is repaired, your claim paid, or for a maximum period of 14 days, whichever occurs first.
A. You’ll be required to pay:
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.
A. Yes – you can change your Basic Excess at any time. If you increase your excess, we’ll lower your premium (and vice-versa).
A. 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.
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), Financial Services Guide (FSG) and Premium, Excess and Discount Guide (PED) before making a decision to buy this product.
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).
Virgin Car Insurance Product Disclosure Statement (PDS).
Virgin Car Insurance Premium, Excess and Discount Guide (PED).
The discounts apply to the premium paid for a new Virgin Car Insurance Price Saver policy 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.
Offer of 5,000 Velocity Points is available to eligible customers who purchase a new Virgin Car Insurance comprehensive policy and have not previously received points for that same policy number (not available for renewals). This offer is valid for new policy purchases from 30 October 2019 – 29 April 2020. Offer is only valid if a valid Velocity membership number is provided at the time of application. If you’re not a Velocity member you can join Velocity for free. Maximum of 5,000 Velocity Points per policy (even if multiple cars are insured under a single policy). In order to receive the Points the policy holder must be the main driver, their name must match the Velocity account name and membership number provided and the policy must not be cancelled within 65 days of purchase. Velocity Points will be credited to eligible Velocity Account up to 90 days after policy commencement date and the 65 day cancellation period has expired. This offer is subject to change or removal at the discretion of Virgin Money. This offer cannot be used in conjunction with any other Virgin Money Car insurance offers, is not redeemable for cash and is not transferable. The Velocity Membership Terms and Conditions apply.
We will guarantee the quality of repairs authorised by us for as long as you own the car.
Your premium amount will remain the same in year 2 if your situation stays the same.
You will receive a full refund of the premium you paid if you cancel this policy within 21 days of the purchase date and have not made a claim.
See PDS for full details, terms and conditions
Offer of up to 20,000 Velocity Points is available to eligible customers who purchase a new Virgin Car Insurance comprehensive policy and have not previously received points for that same policy number (not available for renewals). This offer is valid for new policy purchases from 17 August 2018 – 1 April 2019 and is subject to change or removal at the discretion of Virgin Money. Insurance not available in Northern Territory. Offer is only valid if a valid Velocity membership number is provided at the time of application. If you’re not a Velocity member you can join Velocity for free. Maximum of 20,000 Velocity Points per policy (even if multiple cars are insured under a single policy). In order to receive the Points the policy holder must be the main driver and their name must match the Velocity account name and membership number provided. Eligible policy holders will be entitled to up to 20,000 Velocity to be awarded in two stages, 1 x 5,000 Velocity Points and 1 x 15,000 Bonus Velocity Points, subject to the following conditions: the policy holder will be entitled to 5,000 Velocity Points if the insurance is held for more than 65 days (credited to the eligible Velocity Account up to 90 days after the policy has been purchased); the policy holder will be entitled to the remaining 15,000 Bonus Velocity Points if the policy is still active 6 months after purchase (credited to the eligible Velocity Account up to 10 months after the policy was purchased). This offer cannot be used in conjunction with any other Virgin Money Car insurance offers, is not redeemable for cash and is not transferable. The Velocity Membership Terms and Conditions apply.
The quoted redemption fares are correct as at 17 December 2018 and are subject to change. Fares are subject to availability, and seats are limited and may not be available at peak times or on all flights. Price is based on a one way or return economy Reward Seat fare or Business Reward seat fare as specified, and must be booked on the Velocity website. Taxes, fees and surcharges are payable in addition to Velocity Points redeemed. Any taxes or fee components are not eligible for Points earn. A Virgin Australia Carrier Charge is payable per sector, per person, view more information here. Price may vary until ticketed. All payments made on the internet or on the phone via debit/credit card are subject to a payment surcharge between 0.6% to 1.3% of the total value of the card transaction (capped at $11 per passenger per booking). Add $40 or 5,200 Points per person for bookings made on the phone. A checked baggage allowance is included in your fare, view Reward Seat Baggage Allowances for details. Name changes are not permitted. Other changes, refunds and cancellation are permitted prior to travel and may incur a fee and any applicable fare difference. You may also be entitled to a refund under the Australian Consumer Law in certain circumstances. View the Velocity Rewards Seat fare rules for more information. Some flights may be operated by a partner airline. Different baggage allowances and conditions may apply to these flights. Full terms and conditions at velocityfrequentflyer.com.
Virgin Car Insurance is a finalist in the Finder 2019 awards. Features and Price are scored against 36 profiles. Find out more at https://www.finder.com.au/finderawards.