Important Documents - Virgin Home and Contents Insurance

Here you’ll find all the important documents to fully understand the Virgin Home and Contents Insurance offering.{sub-heading}

This information relates to Virgin Home and Contents Insurance policies issued by Auto and General Insurance Company Ltd purchased before 2 October 2025.

Current documents

Virgin Home Insurance PDS

This PDS applies to new policies quoted on or after 21 September 2023 and policies with a renewal date on or after 29 October 2023

Target Market Determination (TMD)

Virgin Home and Contents Insurance Target Market Determination

This TMD applies from 10 July 2025.

Home Building Key Facts Sheet

This KFS applies to new policies quotes on or after 21 September 2023 and policies with a renewal date on or after 29 October 2023.

Home Contents Key Facts Sheet

This KFS applies to new policies quoted on or after 21 September 2023 and policies with a renewal date on or after 29 October 2023.

Financial Services Guide

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Past documents

Product Disclosure Statements (PDS)

Virgin Home and Contents Insurance - Product Disclosure Statement

This PDS applies to new policies quoted between 02 March 2021 and 20 September 2023 and policies with a renewal date between 31 March 2021 and 28 October 2023.

Virgin Home Insurance Supplementary PDS (SPDS)

This SPDS applies to new policies quoted between 04 May 2023 and 21 September 2023 and policies with a renewal date between 11 June 2023 and 28 October 2023 (or as otherwise detailed in the SPDS).

Home Building Policy Key Fact Sheet

This KFS applies to new policies quoted between 12 September 2019 and 20 September 2023 and policies with a renewal date between 11 October 2019 and 28 October 2023.

Home Contents Policy Key Fact Sheet

This KFS applies to new policies quoted between 12 September 2019 and 20 September 2023 and policies with a renewal date between 11 October 2019 and 28 October 2023.

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Quick Links

Important stuff

This information relates to Virgin Home and Contents Insurance policies, Car Insurance policies and Roadside Assistance membership issued by Auto and General Insurance Company Ltd purchased before 2 October 2025.

Discount applies to the first year's premium paid for new Virgin Home and or Contents Insurance initiated online on or after 30 March 2017. The 30% discount applies to Combined Home & Contents Insurance, 15% discount applies to Home Insurance only or Contents Insurance only. We reserve the right to change the offer without notice. Base rate premiums subject to change. The discount does not apply to any renewal offer of insurance. Discount applies only to the insurance portion of the premium before any fees, charges or levies that may apply. This may impact the full extent of the discount.

Exclusions and conditions apply. See the Product Disclosure Statement, Target Market Determination (TMD) and Financial Services Guide (FSG) for full details. Not available in Northern Territory, North Queensland and Northern Western Australia. Approved applications only.

Virgin Home and Contents Product Disclosure Statement (PDS), Target Market Determination (TMD) and Financial Services Guide (FSG).

Virgin Car Insurance Product Disclosure Statement (PDS) and Target Market Determination (TMD), Premium, Excess and Discount Guide (PED) and Financial Service Guide (FSG).

Virgin Car Insurance Roadside Assistance Terms and Conditions.

This information is of a general nature only and does not take into account your personal financial situation, needs or objectives. As we don’t know your financial needs we can’t advise if our products will suit you. Terms, conditions, limits and exclusions apply. Please consider the relevant Product Disclosure Statement, Target Market Determination and/or Terms and Conditions available at virginmoney.com.au before making a decision about the product. Any discounts on both new and renewing policies only apply to the extent that any minimum premium isn't reached.

Auto & General Services Pty Ltd (ABN 61 003 617 909; AFSL 241411) ("AGS") arranges the insurance on behalf of Auto & General Insurance Company Ltd (ABN 42 111 586 353; AFSL 285571).

Insurances: Virgin Car Insurance and Virgin Home and Contents Insurance are promoted by Virgin Money (Australia) Pty Limited (“Virgin Money”) as the Authorised Representative No. 280884 of Virgin Money Financial Services Pty Ltd ABN 51 113 285 395 AFSL 286869. Car, Home and Contents: Auto & General Services Pty Ltd (ABN 61 003 617 909; AFSL 241411) arranges the insurance on behalf of the product issuer, Auto & General Insurance Company Limited (ABN 42 111 586 353; AFSL 285571).