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Why Virgin Home Insurance?

Benefits

Grab a $50 e-Gift card when you purchase a new eligible combined Virgin Home and Contents Insurance policy by 31 August 2021⁶. Purchase online and you'll also save 30%on your first year’s premium⁷.

Save 30% on your first year's premium when you combine Virgin Home and Contents Insurance online⁷

Affordable and flexible cover options, with 21 day money back guarantee⁴

You can lodge an insurance claim online 24/7, 7 days a week or over the phone Mon to Fri 8am to 5pm, Sat 8am to 2pm (AEST)

Insured events

Our affordable home and contents insurance policies will cover you for the following events:

Fire
Explosion
Theft or attempted theft
Malicious damage, vandalism, riot or civil commotion
Breakage of glass, ceramic and sanitary fixtures

Storm and rainwater
Lightning
Earthquake or Tsunami
Escape of liquid (e.g. pipes, drains, etc)
Impact at home (e.g. fallen tree/branch)

Upgrade your cover

Extend your cover so that it can cover even more of your home and/or contents

Extend your home sum insured up to an additional 25% if your nominated sum insured is not sufficient to replace or repair the damage to your home

Covered for damage caused by flood to your home and/or contents

Want to know more?

How to claim

Contact Us

Manage your policy

Exclusions and conditions apply. See the Product Disclosure Statement for full details. Not available in Northern Territory, North Queensland and Northern Western Australia. Approved applications only.

Flood cover: Covers you for the cost of damage caused to your home by flooding, rivers, creeks and other bodies of water. Flood cover may not be available for some addresses.

As we don’t know your personal needs and objectives we can’t advise if this insurance will suit you. Consider your needs and our Key Fact Sheets, Product Disclosure Statements and Financial Services Guide before deciding whether to buy our product. 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).

Car Insurance PDS
Home & Contents Insurance PDS Key Fact Sheets

Promoter: Virgin Money (Australia) Pty Limited (Virgin Money) Authorised Representative No. 280884 of Virgin Money Financial Services Pty Ltd AFSL 286869.

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 and/or Terms and Conditions available at virginmoney.com.au before making a decision about the product.

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).

Things you need to know
1. The discounts apply to new Virgin Home or Contents Insurance Price Saver policies purchased online on or after 30 March 2017. 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.
2. Offer of 5,000 Velocity Points is available to eligible customers who purchase a new Virgin Home and/or Contents policy and have not previously received points for that same policy number (not available for renewals). This offer is valid for new policy purchases from 18 December 2019 – 19 August 2020. Offer is only valid if a valid Velocity membership number is provided at the time of application. If you’re not a Velocity member you can join Velocity for free. Maximum of 5,000 Velocity Points per policy. Any new policy purchased after 18 December 2019 through iSelect, is not included in this offer. In order to receive the Points the policy holder’s name must match the Velocity account name and membership number provided and the policy must not be cancelled within 65 days of purchase. Velocity Points will be credited to eligible Velocity Account up to 90 days after policy commencement date and the 65 day cancellation period has expired. This offer is subject to change or removal at the discretion of Virgin Money. This offer cannot be used in conjunction with any other Virgin Money Home and/or Contents Insurance offers, is not redeemable for cash and is not transferable. The Velocity Membership Terms and Conditions apply.
3. The 5% discount is available to current Virgin Home and Contents, or Car customers and applies to new Virgin Travel Insurance policies purchased online using promo code VIRGIN. Offer valid until 31 July 2018, is subject to change or removal at the discretion of Virgin Money without notice and can't be used in conjunction with any other Virgin Travel Insurance offer or discount (including the Virgin Money Credit Card discount).
4. If you cancel the policy within 21 days from the date of purchase and do not make a claim on the policy, we will give you a full refund.
5. Virgin Home and Contents Insurance won the Mozo Experts Choice Award for Exceptional Value Home and Contents Insurance 2019 and 2020 in the Car, Home and Landlord Insurance category. These awards recognise products in the top 10% of the market that deliver exceptional value and benefits to customers. Find out more at https://mozo.com.au/expertschoice/home-insurance.
6. Offer of $50 e-Gift card is available to eligible customers who purchase a new combined Virgin Home and Contents policy. One e-Gift card per policy. New combined Home and Contents Insurance customers only. Not available for existing Virgin Home and Contents Insurance customers or any renewals or customers holding separate Virgin Home or Contents policies. Not available to customers who have purchased through the website https://experience.velocityfrequentflyer.com or comparison sites including but not limited to iSelect, Compare The Market, Choosi, Mozo, Finder and Canstar. This offer is valid for new combined policy purchases from 1 May 2021 – 31 August 2021. In order to receive the $50 e-Gift card the combined Virgin Home and Contents policy must not be cancelled within 65 days of purchase. You must provide a valid email address at time of purchase to be eligible for this offer. If the policy has not been cancelled within 65 days from purchase, the Reward Code (along with instructions on how to activate the Reward Code to retrieve the $50 e-Gift card) will be sent to the email address provided within 7 days. You must activate your Reward Code within 90 days of it being emailed to you. If you do not activate the Reward Code during this time period, you will forfeit the $50 e-Gift card. This offer is subject to change or removal at the discretion of Virgin Money. This offer cannot be used in conjunction with any other Virgin Money Home and/or Contents Insurance offers, is not redeemable for cash and is not transferable. The e-Gift card Terms and Conditions apply.
7. Discount applies to first year's premium paid for new Virgin car insurance Price Saver purchase initiated online on or after 30 March 2017. The discount applies to Comprehensive, Third Party Property and Third Party Fire and Theft Car policies. 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.
8. Offer of $100 e-Gift card is available to eligible customers who purchase a new Virgin Car or Virgin Home and/or Contents Insurance policies. One e-Gift card per policy. New Car or Home Insurance customers only. Not available for existing Virgin Car or Home and/or Contents Insurance customers or any renewals. This offer is valid for new policy purchases from 19 June – 30 November 2020. Any policy purchased through iSelect is not included in this offer. In order to receive the $100 e-Gift card the policy must not be cancelled within 65 days of purchase. You must provide a valid email address at time of purchase to be eligible for this offer. If the policy has not been cancelled within 65 days from purchase, the Reward Code (along with instructions on how to activate the Reward Code to retrieve the $100 e-Gift card) will be sent to the email address provided within 7 days. You must activate your Reward Code within 90 days of it being emailed to you. If you do not activate the Reward Code during this time period, you will forfeit the $100 e-Gift card. This offer is subject to change or removal at the discretion of Virgin Money. This offer cannot be used in conjunction with any other Virgin Money Car or Home and/or Contents insurance offers, is not redeemable for cash and is not transferable. The e-Gift card Terms and Conditions apply.
9. Delivery charges advised upon ordering and varies by postcode. Offer available while stocks last. Valid for Virgin Money customers only. One Moet & Chandon Imperial per household. $204.96 savings applies to the reds case, worth $324.96. Retail prices are provided by the wineries. If a wine becomes unavailable, a similar wine of equal or greater value will be supplied. If you are unhappy with the substitute we’ll refund you. Order acceptance and the contract between you and us will only be formed on the dispatch to you of the product(s) ordered. Orders will not be accepted (nor will wine be delivered to) persons under the age of 18 years. We do not deliver to parcel lockers, and unfortunately due to rising delivery costs and current liquor laws are unable to deliver to the Northern Territory. Please see our full Terms and Conditions of Sale and Privacy Policy available here: www.virginwines.com.au/terms or call us on 1300 712 870. © 2020 Wine People Pty Ltd. LIQP770016550. Level 2, 407 Elizabeth Street, Surry Hills, NSW 2010. All rights reserved. You must be 18 years of age or over to order wine from this site. It is against the law to sell or supply alcohol to, or obtain alcohol on behalf of, a person under the age of 18.
10. Virgin Car Insurance is a finalist in the Finder 2019 awards. Features and Price are scored against 36 profiles. Find out more at https://www.finder.com.au/finderawards.
  
  Virgin Home and Contents Insurance won the Mozo Experts Choice Award for Exceptional Value Home and Contents Insurance 2019 in the Car, Home and Landlord Insurance category. These awards recognise products in the top 10% of the market that deliver exceptional value and benefits to customers. Find out more at https://mozo.com.au/expertschoice/home-insurance.
11. Offer of $50 e-Gift card is available to eligible customers who purchase a new Virgin Comprehensive Car Insurance policy. One e-Gift card per policy. New Car Insurance customers only. Not available for existing Virgin Car Insurance customers or any renewals and excludes purchases from Velocity, Canstar, InfoChoice, Mozo, Finder and iSelect. This offer is valid for new policy purchases from 1 May 2021 – 31 August 2021. In order to receive the $50 e-Gift card the policy must not be cancelled within 65 days of purchase. You must provide a valid email address at time of purchase to be eligible for this offer. If the policy has not been cancelled within 65 days from purchase, the Reward Code (along with instructions on how to activate the Reward Code to retrieve the $50 e-Gift card) will be sent to the email address provided within 7 days. You must activate your Reward Code within 90 days of it being emailed to you. If you do not activate the Reward Code during this time period, you will forfeit the $50 e-Gift card. This offer is subject to change or removal at the discretion of Virgin Money. This offer cannot be used in conjunction with any other Virgin Money Car insurance offers, is not redeemable for cash and is not transferable. The e-Gift card Terms and Conditions apply.
12. The discounts apply to new Virgin Home and Contents Insurance Price Saver policies purchased online on or after 30 March 2017. 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.
13. Offer of up to 10,000 Velocity Points is available to eligible customers who purchase a new Virgin Car Insurance comprehensive policy and have not previously received points for that same policy number (not available for renewals). This offer is valid for new policy purchases from 1 December 2020 – 31 August 2021 and is subject to change or removal at the discretion of Virgin Money. Offer is not available to customers who have purchased through iSelect, Compare The Market and Choosi. A valid Velocity membership number must be provided at the time of application. If you’re not a Velocity member you can join Velocity for free. Maximum of 10,000 Velocity Points per policy (even if multiple cars are insured under a single policy). In order to receive the Points the policy holder must be the main driver and their name must match the Velocity account name and membership number provided. Eligible policy holders will be entitled to up to 10,000 Velocity Points to be awarded in two stages, 1 x 5,000 Velocity Points and 1 x 5,000 Bonus Velocity Points, subject to the following conditions: the policy holder will be entitled to 5,000 Velocity Points if the insurance is held for more than 65 days (credited to the eligible Velocity Account up to 90 days after the policy has been purchased); the policy holder will be entitled to the remaining 5,000 Bonus Velocity Points if the policy is still active 6 months after purchase (credited to the eligible Velocity Account up to 10 months after the policy was purchased). The Velocity Membership Terms and Conditions apply. This offer cannot be used in conjunction with any other Virgin Money Car Insurance offers, is not redeemable for cash and is not transferable.
14. Offer of 10,000 Velocity Points is available to eligible customers who purchase a new Virgin Home and/or Contents Insurance policy and have not previously received points for that same policy (not available for renewals). This offer is valid for new policy purchases from 1 December 2020 – 31 August 2021 and is subject to change or removal at the discretion of Virgin Money. Offer is only valid to customers who purchase directly through the website https://experience.velocityfrequentflyer.com or an email sent by Velocity Frequent Flyer (velocity@e.velocityfrequentflyer.com). A valid Velocity membership number must be provided at the time of application. If you’re not a Velocity member you can join Velocity for free. Maximum of 10,000 Velocity Points per policy. In order to receive the Points, the policy holder’s name must match the Velocity name and account number provided. Eligible policy holders will be entitled to up to 2 x 5,000 Velocity Points subject to the following conditions: the policy holder will be entitled to 5,000 Velocity Points if the insurance is held for more than 65 days (credited to the eligible Velocity Account up to 90 days after the policy has been purchased); the policy holder will be entitled to the remaining 5,000 Velocity points if the policy is still active 6 months after purchase (credited to the eligible Velocity Account up to 10 months after the policy was purchased).  The Velocity Membership Terms and Conditions apply. This offer cannot be used in conjunction with any other Virgin Money Home and Contents Insurance Velocity offers, is not redeemable for cash and is not transferrable.