Manage your Virgin Home and Contents Insurance policy
If you need to make a change to your policy like updating your address or phone number, changing the amount of cover or your payment details, it’s simple and easy to do.
Virgin Insurance Hub
Policy terms explained
What you can do with the Virgin Insurance Hub?
You must tell us if any details on your insurance certificate are incorrect or have changed, if the occupancy or use of your home changes from a residence to include any income earning activity, or if the home is in a state of disrepair. If you do not tell us, we may reduce or refuse to pay a claim.
Duty of disclosure
What you must tell us:
- When you take out this insurance for the first time - you must be honest when answering our questions and tell us anything known to you and which a reasonable person in the circumstances would include in answer to the question.
- When you renew, extend, vary or reinstate your insurance - you must disclose every matter that you know or could reasonably be expected to know, is relevant to us in deciding whether to insure you. You are not required to disclose anything that diminishes the risk to us as the insurer, that we know or should know based on our business, or is common knowledge.
We use this information to decide whether to insure you and on what terms. When giving this information, you are doing so for yourself and anyone else that will be insured under the policy.
If you do not tell us
If you do not comply with your duty, we may reduce or refuse to pay a claim and/or cancel the policy. If you are fraudulent, we may also have the option to treat the policy as if it never operated.
General exclusions and conditions of cover
It is important to understand that insurance policies do not cover every eventuality. You should read your policy and be aware of what is excluded from cover and the conditions to be observed. Please refer to the sections entitled "General Exclusions" (pages 29 to 32) and "Conditions of Cover" (Page 34 to 35) in the Product Disclosure Statement Part A, available below.
Joint Policy Holders
If more than one insured are named as the joint policy holders, each gives authority to the other to amend or cancel this policy. We may treat any change requested by one of the joint policy holders as coming from all joint policy holders.
Product Disclosure Statement
The Product Disclosure Statement tells you everything you need to know about Virgin Home and Contents Insurance so you can make an informed decision.
This Product Disclosure Statement will assist you to make an informed decision about our insurance product. It consists of two parts, which you should read before making a final decision to purchase:
- Part A - contains the general terms and conditions of all our policies.
- Part B - contains specific details about the product option/s that you selected.
This policy provides for rebuilding, repairing or replacing a damaged home or its contents at their replacement value. It is your responsibility to nominate a sum insured that is sufficient to replace them.
For your home this includes any improvements to the home that may contribute to the costs of rebuilding, and any additional costs associated with rebuilding, such as site works and access restrictions. The services of a professional valuer or building contractor may assist you to determine your home rebuilding cost.
For your contents and personal effects it may be appropriate for you to use the services of a dealer or professional valuer for jewellery, collections, art works and the like. Valuations or receipts for purchase of contents and personal effects items should be kept in a safe location, as you will need these if you need to make a claim.
Automatic sum insured adjustment at renewal
When your home is insured, we will automatically increase the sum insured shown on your insurance certificate at the end of each period of insurance to allow for an increase in building costs. We will use building industry cost guides as a reference.
When your contents are insured, we will automatically increase the sum insured shown on your insurance certificate at the end of each period of insurance.
You are not required to accept the revised sums insured and can ask us to amend them at any time.
We will not adjust the sums insured for:
- Specified contents items
- Specified personal effects items
You will need to review the value of these items regularly to ensure they are insured for the cost of replacement.
You are encouraged to regularly review your sum insured for home, contents and personal effects, and may alter the sum/s insured at any time during the period of insurance, subject to our acceptance and payment by you of any additional premium we request. This automatic sum insured adjustment at renewal does not replace your responsibility for reviewing the sum insured at renewal.
As we don't know your financial needs we can't advise if this insurance will suit you. Consider your needs and the Product Disclosure Statement (PDS) before making a decision to buy this product. Auto & General pays Virgin Money a commission which is a percentage of your premium. View a copy of the Product Disclosure Statement (PDS) below, Financial Services Guide and Privacy & Security.
Promoter: Virgin Money (Australia) Pty Limited (Virgin Money) Authorised Representative No. 280884 of Virgin Money Financial Services Pty Ltd AFSL 286869. Auto & General Services Pty Ltd arranges the insurance on behalf of Auto & General Insurance Company Ltd (Auto & General).
Virgin Home and Contents Product Disclosure Statement (PDS)
Virgin Car Insurance Product Disclosure Statement (PDS)