Virgin Money Home & Contents Insurance

Policy and service features

• Days unoccupied until cover stops

  60

• Underinsurance protection

  Optional Extra - Up to 25% of sum insured

• New for old

• Basic excess from

  $100

• Choice of excess

• Pay monthly at no cost

• Discounts

  35% online discount

• Service 24 7

• Away from home

  Up to 90 days, up to 20% of sum insured

• Open air contents

  Up to $1,000

• Legal liability cover

  Up to $20,000,000

• Other benefits

  Earn 10,000 Velocity Points when you purchase Home, Contents or combined Virgin Money Insurance.

• Other restrictions

Events

• Accidental loss and damage

  Optional extra

• Accidental breakage of glass

• Fire

• Lightning

• Storm

• Flood

  Optional extra

• Earthquake

• Fusion

  Optional extra

• Power surge

• Explosion

• Escape of liquid

• Storm surge

• Impact damage

• Theft or burglary

• Malicious acts and vandalism

• Riots and civil commotion

Buildings

• Buildings and structural improvements

• Building materials

  Up to $1,000

• Landscaping

• Gates and fences

  Up to sum insured

Contents

• Cash

  Up to $500

• Credit card

  Up to $1,000

• Cd dvd and electronic files

  Up to $2,500

• Computer software hardware

  Software only, up to $2,500

• Camera and accessories

  Optional extra

• Carpets

• Handwoven carpets

  Up to $2,000 per item

• Antiques and valuables

  Up to $5,000 per item for artwork, up to $10,000 in total, up to $2,000 for collections

• Jewellery

  Up to $1,000 per item, up to $3,000 in total

• Uncut gems

• Replacement of documents

• Identity theft

• Personal medical equipment

  Up to sum insured

• Tools of trade

  Up to $2,000

• Stock and inventory

• Home office contents

  Up to $10,000

Other cover

• Death and injury

  Up to $5,000 for funeral or injury

• Veterinary expenses

• Lock replacement

  Up to $500

• Temporary accommodation

  Up to 10% of sum insured

• Temporary accommodation for pets

  Up to 12 months

• Emergency storage

  Up to 10% of sum insured combined with debris removal cost and demolition cost

• Debris removal

  Up to 10% of sum insured combined with demolition cost and emergency storage cost

• Demolition cost

  Up to 10% of sum insured combined with debris removal cost and emergency storage cost

• Temporary repairs

• Changing address

• Contents while moving

  Up to 20% of sum insured