Virgin Money Comprehensive Car Insurance

Discounts and excesses

• Monthly premiums available

  Yes costs extra

• Choice of excess

  $500 - $1,850

• Young driver excess imposed

  $600 for drivers under 21, $500 for drivers under 25, $600 for unlisted drivers, $500 for inexperienced drivers over 25.

• Maximum no claim discount table

  not disclosed (NSW)
  not disclosed (SA)
  not disclosed (ACT)
  not disclosed (QLD)
  not disclosed (WA)
  not disclosed (VIC)
  not disclosed (NT)
  not disclosed (TAS)

• Maximum no claim discount term

  5 years

• Online discount

  up to 15%

• Multi policy discount

  n/a

• No claim discount

  Maximum no claim discount is protected for life against no-fault claims, after 2 years having held no claim discount protection already. Others can purchase protection for extra premium.

• Discounts available

  Restricted Drivers Discount available

Service features

• Roadside assistance

  Optional Extra

• Choice of repairer

  Optional Extra

• Claims service 24 7

  Yes

• Other benefits

  Receive a $100 e-Gift card when you purchase a new policy by 30 September 2020, can be redeemed at selected major retailers. T&Cs apply.

• Other restrictions

  n/a

Coverage summary

• Agreed or market value

  Agreed or Market

• New car if written off

  Yes - within 2 years and 40,000 km of original registration

• Personal property cover

  Up to $500 if damaged or stolen.

• Windscreen cover

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

• Emergency repairs without assessment

  Up to $500

• Emergency options

  Reasonable towing costs. Up to $850 travel and accommodation costs (max $100 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.

• Trailer or caravan cover

  Up to $1,000 for trailer only.

• Replacement keys

  Up to $1,000 if stolen.

• Baby capsule or seats

  Up to $500

• Modifications

  Covered only if agreed in writing.

• Accidental death cover for driver

  $5,000 within 12 months of accident.

• Rideshare cover

  No