Virgin Money Contents Insurance - Protect my home

CONTENTS INSURANCE

You've worked hard for the stuff in your home, so make sure it's protected with flexible cover that suits you. Get a new Virgin Contents Insurance policy online and you'll save 15% on your first year’s premium.1

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What is contents insurance?

Contents Insurance covers valuables like appliances, furniture, jewellery and more against loss or damage from insured events such as storms, theft or fire (including bushfire).

While you'll need Building Insurance to protect the building itself, Home Contents Insurance can cover your important personal belongings if one of these unfortunate insured events occur.

15% off 

your first year's premium¹ on a new Contents Insurance policy when purchased online.

Get a contents insurance quote



Why Virgin Contents Insurance?

What's in it for me?

Actually affordable

Save 15% on your first year's premium when you purchase Virgin Contents Insurance online.1

Quick and easy

Applying for your contents insurance has never been easier. Get cover in minutes with our easy online application process.

Flexible for you

Affordable and flexible cover options to help you tailor the policy to your needs, if you decide the policy isn’t right for you, we have a 21 day cooling off period.4

Really reliable

You can lodge a claim for your contents insurance online or over the phone 24 hours a day, 7 days a week. 

Award winning

We must be doing something right, because our home and contents insurance just won The Mozo Experts Choice award for exceptional value5, 5 years’ running.

Easy access 24/7

Manage your contents insurance policy online with the Virgin Insurance Hub.

What's covered?

What's covered with your contents  insurance? 

You should have peace of mind knowing all the things that make home feel like home are insured.

That’s why our contents insurance offers cover for life’s unscripted moments, like:

  • 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)

Benefits

 Cover limits
Repair or replacement of your home building  
Repair or replacement of your home contents  
Limits apply to certain items. See PDS.
Legal liability
 Up to $20 million
Temporary accommodation
 Up to 10% of sum insured, up to 12 months
Debris removal and extra rebuilding costs
 Up to 10% of sum insured
Funeral expenses Up to $7,000
Modifications to home Up to $5,000
Mortgage discharge costs  
Contents temporarily removed Up to 20% of sum insured
Contents lost or damaged in transit Up to 20% of sum insured
Replacement of locks and stolen keys
 Up to $1,000
Unattached equipment Up to $500
Visitors’ uninsured contents Up to $500
Food spoilage Up to $500

This is a brief summary only. Conditions apply. Full details are contained in the Product Disclosure Statement (PDS).

Optional covers

Add-ons to your contents  insurance policy.

Looking for extra coverage on your contents insurance cover? Tailor your cover with our optional extras:

  • Flood Cover#
  • Personal Effects Cover
  • Motor Burnout Cover
  • Accidental Damage Cover
  • Commercial Storage

# The addition of Flood Cover to a policy is subject to our underwriting criteria.

For full details on this product please see the Product Disclosure Statement (PDS).

Want to add extra cover on your contents insurance policy? 

To ensure your personal possessions have extra coverage, you might consider one or more of these optional covers. To add these, simply get an online contents insurance quote then add your desired cover in the “Optional Cover” section. 

Get a contents insurance quote.


Virgin Money Home and Contents Insurance - Protect my castle

Bundle and earn up to 10,000 Velocity Points18

Reward yourself with up to 10,000 Velocity Points when you purchase a new eligible combined Virgin Home and Contents Insurance policy by 27 May 202518.

Get a home and contents insurance quote.

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Contents insurance for renters

Not a homeowner? You can cover your contents too! Renters can take out contents insurance with Virgin Money. Even if you don’t own your home, you can still enjoy peace of mind knowing your possessions and valuables are covered in the event of unforeseen circumstances. 

You may not need to worry about insurance for the building you’re living in if you’re renting. But the furniture, clothes and precious personal items are all your own responsibility.  If the worst happens and your home and belongings are damaged in a theft, storm or fire, it’s essential that you’re covered.


Protect your home

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Additional Benefits of Contents Insurance

Replacement of Keys and Locks

If your keys are stolen, Virgin Money will cover up to $1,000 to replace your locks and keys with no excess fee, if you are claiming for this benefit alone, provided the theft is reported to the police.

Moving Coverage

Get up to 20% of your contents sum insured for damage to belongings while moving to a new home in Australia due to fire or vehicle collision.

Temporary Accommodation

You’re covered up to 10% of insured amount for temporary accommodation, for up to 12 months, if you have to move out due to an insured event.

Unattached Equipment Protection

Virgin Money covers up to $500 for loss or damage to equipment like camping gear, drones, and vehicle accessories that are unattached at the time.

Cover for Contents Outside Your Home

Your belongings are covered for loss or damage up to 20% of your insured amount while you’re staying in a hospital, hotel, or temporary residence during the period of insurance.

Guest Contents Protection

Your guests' uninsured belongings are covered up to $500 for loss or damage from an insured event at your home.


Award winning insurance

Our home and contents insurance has won an award for exceptional value 6 years running.5 That's why you can trust us to do the most when it comes to helping you protect what matters.

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Need to make a claim on your contents insurance?

No sweat! We’ve made the claims process simple and easy so you can rest easy knowing your contents are covered. You can get in touch with one of our helpful claims team members 24/7.

Learn more about making a claim on your contents insurance.


Contents Insurance FAQs

  • What is covered by contents insurance?

    Contents insurance covers your personal valuables and household items against loss or damage due to an insured event. This can include the cost of repairing or replacing a damaged item, accidental breakage of glass and more.

  • What does “contents” mean?

    Contents simply means the items and valuables that you own! With contents insurance, these valuables are covered for loss or damage due to unexpected circumstances. These can include theft, natural disasters and more.

  • How much contents insurance do I need?

    The contents insurance policy you decide on and the amount in which you are insured for will depend on you. There are a number of factors that will determine how much you need. These factors include: your budget, the value of your belongings and how much you would like insured. 

  • How much is contents insurance?

    The cost of your contents insurance policy will depend on a number of factors that are specific to you. These factors include: your budget, the value of your belongings and how much you would like insured. You can get a contents insurance quote from Virgin Money in minutes!

  • Is contents insurance worth it?

    When deciding if contents insurance is worth it for you, you should consider the value of your personal belongings. The higher the value the more you have to lose. It can be very worthwhile making sure the possessions you value the most are covered with financial protection against loss or damages. 

  • Can I get contents insurance in a shared house?

    Yes, you can get contents insurance in a shared house with Virgin Money. Your belongings are covered for theft or damage, provided they are stored in secure shared areas, like common rooms, garages, or storage spaces within your residence.