The Virgin Money Home and Contents Insurance policy offers comprehensive cover at competitive prices, giving you the chance to protect your valuables and your budget at the same time. And it's got the silverware to prove it. That's because it took home a 2020 Mozo Experts Choice Award for Exceptional Value Home & Contents Insurance.
There’s a lot to like about the Virgin Money Home and Contents Insurance policy, starting with just how extensive it is. You’ll find you’re covered under a wide range of circumstances, including fire, storm, earthquake and theft. Flood and accidental damage cover are also available but come in a list of extras which must be purchased separately.
Cash is covered up to $800, while computer software is insured for up to $3,000. Cover for valuables is much higher: $5,000 per item for artwork, or up to $12,000 in total, and $1,000 per item for jewellery, or up to $5,000 in total.
The application process is online and should take no more than a few minutes. And once your policy is up and running, you’ll be able to manage it online with the Virgin Insurance Hub. When it comes time to make a claim, you can do so online or over the phone at any time.
Virgin Money Home and Contents Insurance would be a great fit for anyone looking to safeguard their belongings from unfortunate occurrences like theft and natural disasters.
It pays to read the PDS really carefully before signing up, as there are plenty of exclusions and conditions typical to insurance policies you’ll need to be aware of. For example, loss or damage caused by weather will not be covered if it can be traced back to a design fault or lack of maintenance on your part.
60
Optional Extra - Up to 25% of sum insured
Yes
$100
true
n/a
30% discount on your first year’s premium when you buy online and combined Virgin Home and Contents Insurance
No
Up to 90 days, up to 20% of sum insured
Up to $1,000
Up to $20,000,000
n/a
n/a
Optional Extra
Yes
Yes
Yes
Yes
Optional Extra
Yes
Optional Extra, up to 10 years old
No
Yes
Yes
No
Yes
Yes
Yes
Yes
Yes
Up to $1,000
No
Yes
Up to $800
No
Up to $3,000 combined with computer software
Up to $3,000 combined with CDs/DVDs
Yes
Yes
Up to $2,500 per item
Up to $5,000 per item for artwork, up to $12,000 in total, up to $2,000 for collections
Up to $1,000 per item, up to $5,000 in total
No
No
No
Yes
Up to $2,000
No
Up to $12,000
Up to $7,000 for funeral
No
Up to $1,000
Up to 10% of sum insured, up to 12 months. Combined with temporary accommodation for pets.
Up to 10% of sum insured, up to 12 months. Combined with temporary accommodation.
Up to 10% of sum insured combined with debris removal cost
Up to 10% of sum insured combined with demolition cost and emergency storage cost
Up to 10% of sum insured combined with debris removal cost and emergency storage cost
No
No
Up to 20% of sum insured
Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).
They increased my policy fee by $200 after the first year without me making a claim. Then they don’t answer the phone. These guys are clowns.
Read full reviewThey increased my policy fee by $200 after the first year without me making a claim. Then they don’t answer the phone. These guys are clowns.
Good
Read full reviewGood
My household had been with another insurer since 2006. We just decided to switch to Virgin's "home and contents" insurance. I am happy because they are cheaper than our previous policy.
Read full reviewMy household had been with another insurer since 2006. We just decided to switch to Virgin's "home and contents" insurance. I am happy because they are cheaper than our previous policy.
