I left NRMA after 15 years to join Virgin because they were cheaper.
I have six vehicles all comprehensively insured with all the options
At the sales stage they guaranteed I would keep the Rating 1 that I had from NRMA. I presented them with documentation to verify my rating which they accepted. I have been with them for two years for all vehicle.
Let night someone rear ended one of the vehicles. They accepted full responsibility and we exchanged information.
I called Virgin to get this vehicled towed and arrange a hire car (which the other s...
- Comprehensive Car Insurance
- Verified customer
Virgin Insurance (Legal & General) has refused to repair minor accident damage to a safe standard.
Ive been with Virgin for over 4 years without a claim. Virgin Insurance (Legal & General) has now refused to repair minor accident damage to a safe standard. So however cheap it is, its not worth a cent. On top of this, we have an insurer refusing to safely repair vehicles to their previous standard. This looks to be an issue with their assessor's lack of understanding of the vehicle, but has implications not only for it customers, but for the general public, with customers now being shoehorned into driving on public roads, vehicles that have not been repaired to a safe standard. Unbelievable, but true.
Worst insurance provider! 6 months down yet to have the claim resolved for very minor accident!
Purchased Virgin Insurance due to their competitive pricing. The biggest mistake we made was not checking reviews prior to this purchase!
Unfortunately we had a minor accident which was the fault of the 3rd party. 6 months down and still waiting on a resolution and our excess back despite many phone calls over the months.
We had our car repaired as soon as we were advised, yet Virgin took over 2 months just to send the quote to the 3rd party due to internal 'mishaps'. After we did multiple follow ups over the months, we finally realised that ...there was no resolution since Virgin hadn't even sent the repair quote to the 3rd party! As another reviewer has mentioned, Virgin did not have to pay much for the repairs. Which might be a reason they decided to sweep it under the rug. In summary, 6 months later, we are still waiting for the 3rd party to receive the documents. We have lost any hope of getting our excess back, but writing this review for any potential customers to really review and reconsider your decision prior to choosing this Insurance provider.
Worst customer service ever
We had a small accident in January 2020, Virgin Insurance admitted that we were not at fault
Tried to get information in regard to what was happening with our claim phone calls, emails they did not provide any information in regard to following up the other party ,we paid our excess to get our car fixed there has been no contact from them., meant they did not have to pay out much for the repairs. We also had to hire a car. This is the worst car insurance company ever just a rip off
Do Not Go With Virgin - They Will Rip You Off Too!!
Car came back from a service center damaged in multiple locations (almost every panel). Damage could not be determined if it happened on the tow truck or service center as no condition report was done. Tried to claim comprehensive insurance and was told "existing damage" for things like tiny stone chips that had nothing to do with the major damage to paint and panel that had occurred. Do not go with these people - they will rip you off too!!
Insane Premium Price Hike After 1 Claim I Made In 8 Years With Them With Paid Rating 1 Protection!
I was a customer of virgin for 8 years. I have never made a claim in this time. My premium for comprehensive insurance was a competitive 900 bucks a year in which i paid a higher premium to protect my rating 1. At the end of last year i hit a bollard in a car park and made a claim. This year when i received my bill my premium went from 900 dollars up to 1400 dollars!! I rang them and they refused to help and simply just were trying to downgrade my policy. I asked them why my premium would increase 500 dollars in one year and they said because i...was an increased risk after making 1 claim despite PAYING for rating 1 protection with them for 8 years. Then they charged me their hidden 40 dollar cancellation fee when i changed insurance companies. Listen to me, the money you save on the faceup cheaper premium is not worth it! These guys will screw you over when you need it the most and don't even bother paying for rating 1 protection because they will simply put your premium up anyway. If you make any claim whatsoever they will try and kick you out cos at the end of the day they just want your money and don't give stuff about helping you no matter how loyal you are to their company. Most disgusting experience i've ever had with any company ever period.
Canceled my home and contents insurance, only to find out they do not provide credit back. I‘m owed $160 - disappointing
Canceled a monthly instalment payment; virgin money insurance does not offer credit back. So disappointed, this company deserves to go bust.
Unethical business that does not deserve to operate in Australia.
Slow and dodgy
My car was hit by another car changing lanes. It was undoubtedly the other driver’s fault, his tyre left a black mark down the length of my vehicle so he was obviously turning his wheel. Even the panel beaters said without a doubt it was the other driver’s fault. The driver was 85 years old, had medical conditions listed on his driver’s licence, and wore coke bottle glasses. After 7 months, Virgin said they couldn’t tell who was to blame and decided “Each bear own”. I lost my $800 excess and my no claims discount. If I didn’t think the other driver was at fault I would have fixed the damage myself and saved my no claims discount. I’ve been insured with them for several years and have never made a claim.
Prices are reasonable. Claims process is smooth
Made a first claim after getting into a no-fault accident in December. Process was pretty smooth over the phone, but fixing the minor damage a little slow because of a busy period for claims resulting from recent floods. I would recommend
Can’t rely on the roadside assistance
I have been insured with Virgin for about 5 years & this is the first time l had to use their roadside assist. It’s a clear beautiful day so there should be no reason why there is a long wait but l called them 2 & a half hours ago & am still waiting. They obviously don’t have enough mechanics servicing Melbourne. I will seriously be looking at changing after this. It’s unacceptable.
- Comprehensive Car Insurance
- Verified customer
Quite poor and refused to renew policy
I live in Victoria Australia, in two years I had to claim twice for a windscreen due to separate unfortunate circumstances (rock chips)
My premiums cost $2500 yearly and I always pay extra for windscreen cover
Recently, days before my renewal date I received a letter claiming virgin money wold not re-insure me
My car was written off , the Assessor told me my body kit mags and fibreglass bonnet were worth nothing , he showed me some examples of other 2004 Holden commodores ALL without body kit / mag accessories .
The bonnet on my car is $880 right now on special $1100 normal price , again the assessor told me its worth -
$15 now with depreciation , THEN virgin rang me today 31/12/2109 to say because you didnt have your bonnet on the policy we will have to change your premiums (post write off ??) This is a money grab (which i told them) Lodging a compl...
Great until you have an issue..
Cheaper price than the other big names, decent online management portal but all goes to downhill if you have a query that takes someone more than 10 seconds to answer. Offshore call centre and all the problems that come with it..
ABSOLUTELY DISGUSTING SERVICE
My pensioner mother in law was the not at fault third party driver involved in an accident with a Virgin Insurance customer. Virgin refused to pay a fair and reasonable total loss market value settlement figure for the vehicle. Virgin have offered a settlement figure $3,000.00 below the market value and I am still disputing the claim 5 months after the incident. Richard Branson you should be ashamed of yourself.
Cost effective but not great when you make a claim
The cost was reasonable, but when it came to making a claim, there were very limited options for repairers - had to travel around 25 minutes to the nearest repair centre with all of the associated Uber costs etc. The repair was fine, but long wait times for their call center so not a great overall experience.
One Star cause I had to
So... I got rear ended by an UBER driver, got all his required details and had to make a claim.
I had to pay $77 for forgetting to disclose a not at fault claim 3.5 years ago (fair enough I guess) and also $24.73 for a traffic history report. I did all the running around for them and still no repair in sight.
They are based in South Africa and their service is absolutely horrible.
I have immediately changed back to my previous insurer at a higher rate. The only reason I change to Virgin was for the Velocity points bonus and cheaper insurance.
But please, do not go with these people!
They will do EVERYTHING possible to get out a claim.
The worst experience
I paid 306 dollars for insurence but after 10 months i wanted to cancel it, and imagine they refund me of fantastic 1 dollar. Their Costumer service did not told me this information
Don’t go with what so ever
My partner had car insurance with them. And come time to pay out the claim it got rejected and policy was canceled because he has a dvo. Now we are without a car and $18000 in the red.
Do not se Virgin Money Insurance
When I bought my daughters car, I decided to insure with Virgin money. A Week later another car did a Hit and Run but we managed to get the rego number. We reported this to the Police and I had to put in a claim because I wanted her car fixed. I called Virgin Money, who gave me the run around and ended up paying the Access of $1800 over the phone to get the process going. After that conversation I never heard back from them again, I sent 3 emails and all I have gotten back was an email to say the third party has not attempted to contact them ...to accepted liability. And that if they do not contact Virgin there will be nothing else they could do. So don't even bother thinking about Virgin Money. If you ever are in a situation like mine, they will not fight for you and will take the easy way out. Since then I cancelled my other car insurance and once this if finalized I will be changing insurance company for my daughters car.
Consider seriously before you get.
All good untill you make a claim under writers go for petty scenes and make it hard and depressing ask for service log books every possible question I went through hell. And the accident I was not at fault god help if I was at fault. Under writers Auto and General gave me hell.
Questions & Answers
Could I choose my own repaired if I get a comprehensive policy with this provider?
ProductReview.com.au has affiliate partnerships. These do not influence our content moderation policies in any way, though ProductReview.com.au may earn commissions for products/services purchased via affiliate links.