Accessibility Links

  • Skip to content
  • Skip to site links
  • Skip to product links
Home
| Home | Credit cards | Loans | Mortgage | Prepaid Card | Insurance | Savings &
investments
| Pensions |
Cancer cover
|
Life insurance
|
Car insurance
|
Home
|
Pet
|
Travel insurance
|
My accounts
Change region
 

More about
Car insurance

Homepage
What's covered?
Optional extrasMaking a claimRenewing your coverQuestions and AnswersNeed help? Contact us on 0800 051 0588
Get a quote
Get my saved quote

What's covered?

Image of a group of people making a question mark shape

We offer three kinds of car insurance – take a look at the table below and choose the one that works for you.

Comprehensive
The daddy. You and your car will be covered for any accident you have, whether it’s your fault or not. You’re also protected against your car being stolen, fire damaged or broken into, and we’ll give you a courtesy car while it’s being repaired (subject to availability when you use an approved repairer).

Third party, fire and theft
You’re covered for damage you do to others, if your car catches fire or someone steals it. But cause an accident and any repairs to your car will be coming out of your pocket.

Third party
The bare minimum you need to be on the road. If a bump’s your fault, damage you do to other people’s cars or property is covered. Whatever happens to your car isn’t. And you can only have this cover if your car’s worth less than £5,000. This cover’s only available by phone – if you’d like a third party quote you’ll need to give us a call.

Am I covered if...Comprehensive3rd Party 
(Fire & Theft)
3rd Party
I crash into someone else’s car or damage their property?Yes - you're coveredYes - you're coveredYes - you're covered
I crash my car? Yes - you're coveredNo - you're not coveredNo - you're not covered
I injure another person? Yes - you're coveredYes - you're coveredYes - you're covered
I injure myself and need emergency medical help? Yes - you're coveredYes - you're coveredYes - you're covered
I injure myself and need ongoing medical help? Yes - you're coveredNo - you're not coveredNo - you're not covered
My car goes up in flames? Yes - you're coveredYes - you're coveredNo - you're not covered
My car gets nicked? Yes - you're coveredYes - you're coveredNo - you're not covered
My windscreen or windows get smashed? Yes - you're coveredNo - you're not coveredNo - you're not covered
My stereo gets stolen? Yes - you're coveredNo - you're not coveredNo - you're not covered
I need a courtesy car while mine’s being fixed? Yes - you're coveredNo - you're not coveredNo - you're not covered
My personal property in the car gets pinched or damaged? Yes - you're coveredNo - you're not coveredNo - you're not covered

For more detailed info, check out the policy document

You can also add optional extras to your policy, like breakdown cover, no claims discount protection and uninsured loss recovery.

  • About us
  • Site map
  • Accessibility
  • Virgin.com
  • Online service
  • Members shop
  • Contact us
  • Security
  • Legals
  • Credit cards
  • Personal loans
  • Mortgages
  • Prepaid Card
  • Cancer cover
  • Life insurance
  • Car insurance
  • Home insurance
  • Travel insurance
  • Pet insurance
  • ISAs
  • Unit trusts
  • Share dealing
  • Deposit accounts
  • Pensions