Name: Virgin Money car insurance
Brand: Virgin Money
Rating: 3.2 (70 reviews)

Virgin Money car insurance

Comprehensive Car Insurance

Monthly premiums

Yes costs extra

Choice of repairer

Optional Extra

Choice of excess

$550 - $1,900 (varies by state)

Agreed or market value

Agreed or Market
Available discounts

No claim discount

Online discount 15% discount on first year’s premium. Earn 10,000 velocity points when you buy a new comprehensive car insurance by 31st January 2025 and hold it for at least 6 months.

Restricted Drivers Discount available
Link not supplied
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Monthly premiums available

Yes costs extra

Choice of repairer

Optional Extra

Choice of excess

$550 - $1,900 (varies by state)

Agreed or market value

Agreed or Market

Discounts available

No claim discount|Online discount 15% discount on first year’s premium. Earn 10,000 velocity points when you buy a new comprehensive car insurance by 31st January 2025 and hold it for at least 6 months.|Restricted Drivers Discount available

Quote time

2 to 3 minutes

States where offered

SA VIC NT TAS NSW ACT QLD WA

Roadside assistance

Optional Extra

Genuine parts

No

New car if written off

Yes - within 2 years or 40,000 kilometres of original registration, whichever comes first

Windscreen cover

Yes - standard excess. Option to reduce windscreen excess to $40 for an additional premium.

Personal property cover

Personal Effects cover in the event of a collision, theft or forced entry (up to $500)

Replacement key cover

Up to $1,000 if stolen.

Baby capsule or child seat cover

Child seat or capsule cover in the event of a collision, theft or forced entry (up to $500)

Trailer or caravan cover

Up to $1,000 for trailer only.

Modifications

Covered only if agreed in writing.

Emergency repairs

Up to $500

Emergency options

Automatic inclusion of up to $1,000 for emergency transport and accommodation (max $200 per day)

Rental car after theft

Yes - Up to 14 days, max $1,000 total.

Rental car after accident

Not at fault - Yes. At fault - Optional Extra, up to 14 days.

Rental car liability

Yes - legal liability cover when using a substitute vehicle.

Legal liability cover

20000000

Accidental death of driver

$5,000 within 12 months of accident.

Young driver excess imposed

$600 for drivers under 21, $500 for drivers aged 21 to 24 inclusive, $600 for unlisted drivers, $500 for inexperienced drivers.

Rideshare cover

No

Other restrictions

Other benefits

Save 15% on the first years premium when purchased online with a 21-day cooling off period. Up to 10,000 Velocity points for policies purchased by 31 January 2025.

Online discount

15% discount on first year’s premium. Earn 10,000 velocity points when you buy a new comprehensive car insurance by 31st January 2025 and hold it for at least 6 months.

Multi-policy discount

No claim discount

Yes

Low km discount

true

Customer reviews

Important disclosures

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Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. More about the Mozo customer ratings.

Mick

Victoria - over 1 year ago

Product name: Comprehensive Car Insurance

0.5

Abysmal service

Such bad (or lack) of customer service. Cant get through to anyone on the phone after numerous waits between 30-45 minutes. Opted for their 'convenient' SMS service which was also plagued with delays and terse responses. Not helpful at all. Finally got a message my car had been authorised for repair, but no time frame given. Called the panel beater direct for timing, only to be told car was being written off and shipped offsite the next day, so had to be there at opening the next morning to get my belongings from car. Got charged excess, because they didnt bother to investigate claim - I had 3rd party witness that I was stationary when vehicle ran into back of me. Also no refund on remaining months of policy, Saved a few bucks initially with the policy, but feel like I need therapy after going through their claims process - left me very unsatisfied frustrated.

Price

1.5
Features

1.5
Service

0.5
Convenience

0.5
Trust

0.5

Clive

Victoria - over 1 year ago

Product name: Comprehensive Car Insurance

0.5

Worst Insurer I have ever dealt with

Insured a BMW iX 50 (2021) with them last October. Purchased a new iX (2023) Monday. Called them on preceding Thursday to advise of the transfer of insurance for the Monday. All agreed but they asked me to get back to them on Monday. Monday they advised that it had been referred to underwriter and car too expensive to insure. Crazy given they had insured the previous one for the same money. Trying to speak with someone in charge was hopeless. They had to email underwriting back and fort. After a couple of hours wasting my time, went online and insured with RACV which had a much better policy but slightly more expensive than Virgin. No fuss with RACV and excellent to deal with.

Price

2.5
Features

1.0
Service

0.5
Trust

0.5

Teresa

New South Wales - over 1 year ago

Product name: Comprehensive Car Insurance

0.5

DO NOT GO TO VIRGIN FOR CAR INSURANCE

No communication Lack of service hard to reach or get a response. Will try not to make payment claims

Price

0.5
Features

0.5
Service

0.5
Convenience

0.5
Trust

0.5

Sue

Victoria - almost 2 years ago

Product name: Comprehensive Car Insurance

0.5

Taking advantage of Flood victums car claims

Appalled at the service and handling of my car insurance claim after my car was flooded in Victoria. My whole family have been paid out and has bought new vehicles. My car was on the news on every channel - How is that not evidence. Virgin Money claims are managed by Auto and General, which have managed the claim unlawfully. My car was inundated by flood water, and it has taken them over a month to assess. What to assess, it's a write-off??? They are attempting to manipulate me by offering to pay for a 15-year-old car instead of the 3-year-old car I had. After over a month and they are still wanting me to wait another 10 - 30 days. Bad Bad Bad customer service and internal management system that hires incompetent. I will NEVER insure with them again.

Price

0.5
Features

0.5
Service

0.5
Convenience

0.5
Trust

0.5

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Virgin Money car insurance

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