Virgin car insurance review

Virgin’s comprehensive car insurance is budget-friendly for younger drivers, and offers some strong benefits for its price point.

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Virgin Money

Our verdict

Pros

  • Virgin's policies are particularly cheap for young drivers
  • Save 15% on your first year's premium when you buy online
  • Includes benefit limits that compare with higher-priced providers

Cons

  • Policies for over 40s were more expensive than average
  • You might have to pay extra for your own choice of repairer
  • With two very similar comprehensive policies on offer, it's easy to get confused

How does Virgin car insurance compare with other car insurers?

Virgin Money comprehensive car insurance offers some strong benefits for its price point, including Up to $200 per day - Up to $1,000 for emergency transport and accommodation. Many other car insurance providers cap this at $500.

Features

Product FCI Finder Score Choice of repairer New Car Replacement Roadside assistance Hail, storm and flood damage
Finder Score
Optional
  • If your car is written off in the first 2 years or is under 40,000kms
  • Optional
    Summary: The 2024 winner of our Best Value Car Insurance award. It's cheaper than most, plus you can lower costs by adding age restrictions.

    ⭐ Current offer: 15% off your first year's premium when you take out a policy online. T&Cs apply.

    Who it might be good for: Anyone who wants a good value policy.
    Finder Score
    Optional
  • If your car is written off in the first 2 years or is under 40,000 km
  • Optional
    Summary: Finalists for the 2021 Finder Awards for Best Car Insurance - Value in VIC, QLD, SA, WA and TAS, Virgin Comprehensive provides a good level of cover for a decent price.

    ⭐ Current offer: Get 15% off on your first year’s premium when you purchase a new eligible comprehensive car insurance online. T&Cs apply.

    Who it might be good for: People who'd like to manage their policy online 24/7.
    Finder Score
  • If your car is written off or stolen in the first 2 years
  • Finder’s summary: Allianz is good if you want agreed value (this lets you agree on an amount to cover your car for. For a big insurer, it also has a strong customer service record.

    Who it might be good for: Anyone who wants good customer service and agreed value cover.
    Finder Score
    Optional
  • If your car is written off in the first 2 years
  • Finder Score
  • If your car is written off or stolen in the first 2 years
  • Optional
    Summary: AAMI's comprehensive policy includes cover for legal modifications and accessories and up to $20 million cover for damage to other people's property. Optional extras like windscreen and window glass cover is also available.

    ⭐ Current offers: Save $50 when you buy a new comprehensive car insurance policy online. T&Cs apply.

    Who it might be good for: Safe drivers can benefit from the AAMI Safe Driver Rewards® program.
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    Finder Score for car insurance

    We analyse over 100 car insurance products and rate each one on price and features. What we get out the other end is a nice round number between 1 and 10 to help you start comparing.

    To make sure we're comparing apples with apples, we collect quotes for 8 different personas, then work out the value of 19 different car insurance features. Our team then does some fancy maths to get the Finder Score, taking both price and features into account.

    Read the full Finder Score methodology

    Price

    Our cost research for the 2024 Finder Car Insurance Awards found Virgin's car insurance cost an average of $1,057 a year - less than the average of $1,362. Additionally, people under 40 get the best value, offering much cheaper car insurance than many other providers. These quotes are based on a fictional profile and your own quote will differ.

    Keep in mind, the best car insurance for you may depend on more than just price.

    InsurerNSWQLDSATASVICWAAustralia averageApply
    Virgin logo$1,214$1,013$1,046$880$1,254$934$1,057More info
    Budget Direct Logo$1,148$941$978$829$1,180$880$992Get quote
    youi$1,640$1,307$1,087$1,155$1,599$1,363$1,359Get quote
    AAMI$1,884$1,106$1,015$985$1,318$1,002$1,218More info
    NRMA logo$2,027$1,154$1,038$1,004N/A$1,034$1,043More info

    About our car insurance methodology

    Compare Virgin car insurance’s policies

    Product FCI Accidental damage Roadside assistance Fire and theft New Car Replacement Hire car after theft
    Optional
  • If your car is written off in the first 2 years or is under 40,000 km
  • Up to $1,000 - Up to 14 days
  • Summary: Finalists for the 2021 Finder Awards for Best Car Insurance - Value in VIC, QLD, SA, WA and TAS, Virgin Comprehensive provides a good level of cover for a decent price.

    ⭐ Current offer: Get 15% off on your first year’s premium when you purchase a new eligible comprehensive car insurance online. T&Cs apply.

    Who it might be good for: People who'd like to manage their policy online 24/7.
    Optional
  • Up to $1,000 - Up to 14 days
  • Purchase a new eligible Virgin Car Insurance policy online and you’ll save 15% on your first year’s premium. T&Cs Apply.
    Optional
  • Purchase a new eligible Virgin Car Insurance policy online and you’ll save 15% on your first year’s premium. T&Cs Apply.
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    What additional cover options are available?

    Virgin offers some customisation options, including:

    • Roadside assistance - Get 24/7 roadside recovery for flat batteries, flat tyres, and more

    Finder Awards badge

    Congratulations, Virgin Money!

    Virgin Money received the highly commended award for 'Car Insurance - Value' in the 2024 Product Awards.

    Full list of 2024 winners

    FAQs

    Compare other products from Virgin Money

    Nicola Middlemiss's headshot
    Senior writer

    Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds. See full bio

    Nicola's expertise
    Nicola has written 241 Finder guides across topics including:
    • Personal finance
    • Personal insurance, including car, health, home, life, pet and travel insurance
    • Commercial business insurance

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