Virgin Money Home and Contents Insurance

HOME & CONTENTS INSURANCE

Protect your home and its contents with up to 10,000 Velocity Points when you buy a new eligible combined Virgin Home and Contents Insurance policy before 31 January 202518. Purchase your cover online and save up to 30% on your first year’s premium1. T&Cs apply.

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Why Virgin Home and Contents Insurance?

What's in it for me?

Actually affordable

Save 30% on your first year’s premium when you combine Virgin Home and Contents insurance online.1

Quick and easy

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

Flexible for you

Affordable and flexible cover options, with 21 day cooling off period4.

Really reliable

You can lodge an insurance claim online or over the phone 24/7.

Really Rewarding

Earn up to 10,000 Velocity Points when you buy a new eligible combined Home & Contents Insurance policy by 31 January 202518.

Easy access 24/7

Manage your home and contents policy online with the Virgin Insurance Hub

What's covered?

What's covered with your home and contents insurance?

Relax, we offer 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 Up to $750
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

Create a great home & contents insurance policy for you and your needs. Tailor your cover with our optional extras:

  • Flood Cover#
  • Personal Effects Cover
  • Motor Burnout Cover
  • Accidental Damage Cover
  • Sum Insured Safeguard
  • 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).

What's covered by home and contents insurance?

  • 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)

What's not covered by home and contents insurance?

  • Action of the sea, high water, or underground water
  • Asbestos
  • Breaking the law
  • Business activity
  • Communicable disease
  • Contamination or pollution
  • Defects, structural faults, or design faults
  • Hacking or cyber-attack
  • Loss of data (including access denial, cost of recovery, reinstallation, or replacement).

 

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

 

Award winning insurance

Our home and contents insurance has won an award for exceptional value 5 years running5. That’s why you can trust us to do the most when it comes to helping you protect what matters, at a price you can afford11.

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