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Questions and answers

Taking out insurance

How can I get a quote?

Can I start my cover now?

Are there any discounts if I already have Virgin’s home, annual travel or pet insurance?

How can I pay for my car insurance?

Can I pay monthly?

What's covered?

What different types of cover can I get?

Do you cover bikes, vans, caravans or boats?

Do you cover all kinds of cars?

Do you cover my car for business use?

Jargon buster

What's Motor Legal Protection?

What's an excess and what's it made up of?

What's an uninsured loss?

What's a 'no claims discount'?

No claims discount

Can I protect my no claims discount?

I've been a named driver on someone else's car for a few years - can I get a no claims discount?

I've been insured on a company car – can I get a no claims discount?

I'm getting a second car – does my no claims discount apply to that too?

Making a claim

What happens if my car's stolen?

Do I need to report any accidents to the police?

What happens if I'm in an accident that's my fault?

What happens if I'm in an accident that's not my fault?

What happens if the other driver doesn't agree with me about what happened?

Processing a claim

How long does it take to sort out a claim?

Who repairs my car?

Will I get a courtesy car while mine's being repaired?

How does a claim affect any no claims discount?

Other policy queries

Am I insured to drive other people's cars with their permission?

Can you renew my policy automatically?

What happens when I drive abroad?