Car Insurance
Cover your car inside and out with comprehensive car insurance to suit your needs.
The confidence of car protection for every trip
Get comprehensive car insurance that protects 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
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 & 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 insured event, we'll cover the costs for 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.
Keys & locks
If your car keys are lost or stolen, get covered to replace and recode the keys and locks (up to $1,500).
Lifetime repair guarantee
Guarantee for repairs 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.
Emergency repairs
Cover for emergency repairs arranged by you to ensure your car is safe to drive (up to $1,500).
These are only some of the highlights and benefits of our cover options for motorists. Terms and conditions apply. Please refer to Product Disclosure Statement (PDS) for details on insured events that can impact claims, as well as other exclusions and limitations.
Claims, anytime anywhere
Some claims can’t wait. Make a claim online anytime and our claims team will be ready to support you.
Frequently asked questions
What type of motor insurance does Virgin Australia Insurance offer?
What is the difference between comprehensive car insurance and compulsory third-party motor insurance?
Comprehensive car insurance is a policy that provides the most protection for your vehicle. It covers your car 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?
While we aren’t able to provide you with advice on the replacement costs of your vehicle or how much to insure it for, we use the information you give us and data sourced from third parties to recommend an amount of cover you should have. You should use this recommendation as a guide only. Virgin Money Insurance uses agreed value, rather than market value, when determining how much to insure
your 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.
Useful links
Important information
The Virgin Money Insurance suite of products is distributed by Honey Insurance Pty Ltd ABN 52 643 672 628, AFSL 528 244 and issued by RACQ Insurance Limited ABN 50 009 704 152, AFSL 233 082. Conditions, limits and exclusions apply.
Virgin Money Australia is a division of Bank of Queensland Limited ABN 32 009 656 740 AFSL 244616 (Virgin Money). Virgin Money and its related bodies corporate do not guarantee or otherwise support the issuers of the insurance, nor the insurance products.
Any advice is general advice only and does not take into account your personal objectives, financial situation or needs and may not be right for you. You should read the relevant PDS, any applicable SPDS and TMD available at insurance.virginmoney.com.au/documents before making any decision.
If you purchase a general insurance product, Virgin Money is paid a commission which is a percentage of your premium. Details are provided in the Virgin Money Financial Services Guide by clicking here.
Our privacy policy outlines how we handle your personal information, and also explains how you can access your details, seek corrections and make complaints. View Virgin Money’s Privacy Policy here.