Virgin Car Insurance - Driving down cost, not cover

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, vandalised, 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).

If your car catches fire or if someone steals it, you're covered. However, if an accident is your fault then the damage you do to your car is not covered but the damage you do to the other vehicle is.

The bare minimum you need to be on the road. If an accident's your fault, the damage you do to other people’s cars or property is covered. Whatever happens to your car isn’t covered.