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, having taken out a 2023 Mozo Experts Choice Award for Exceptional Value Home & Contents Insurance. What's more, new customers who purchase a Virgin Car insurance policy by 30 September 2024 will also receive up to 10,000 Velocity Points.
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.
Also, there's a 15% discount up for grabs on your first year’s premium when you buy online and combined Virgin Home and Contents Insurance. Plus another 15% off your premium in the first year if you buy your policy online.
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.
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60 |
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Optional Extra - Up to 25% of sum insured |
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Yes |
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$100 |
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true |
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no |
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Earn up to 10,000 Velocity Points when you apply by 30 September 2024 online. Save 30% on you first year's premium. |
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Yes |
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Up to 90 days, up to $1,000 for unspecified personal effects. |
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Up to $1,000 |
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Up to $20,000,000 |
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Save 15% on the first years premium when purchased online with a 21-day cooling off period. |
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n/a |
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Optional Extra |
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Yes |
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Yes |
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Yes |
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Yes |
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Optional Extra |
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Yes |
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Optional Extra, up to 10 years old |
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No |
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Yes |
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Yes |
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No |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Up to $1,000 |
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No |
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Yes |
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Up to $800 in total |
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No |
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Up to $3,000 combined with computer software |
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Hardware - Yes. Software - Up to $3,000 combined with CDs/DVDs |
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Yes |
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Yes |
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Up to $2,500 per item |
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Up to $5,000 per item for artwork, up to $12,000 in total, up to $2,000 for collections |
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Up to $1,000 per item, up to $5,000 in total |
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No |
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No |
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No |
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Yes |
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Up to $2,000 |
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No |
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Up to $12,000 |
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Up to $7,000 for funeral |
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No |
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Up to $1,000 |
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Up to 10% of sum insured, up to 12 months. Combined with temporary accommodation for pets. |
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Up to 10% of sum insured, up to 12 months. Combined with temporary accommodation. |
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Up to 10% of sum insured combined with debris removal cost |
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Up to 10% of sum insured combined with demolition cost and emergency storage cost |
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Up to 10% of sum insured combined with debris removal cost and emergency storage cost |
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Up to 10% of sum insured combined with debris removal cost |
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Up to 14 days at new address, content only |
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Up to 20% of sum insured |
^See information about the Mozo Expert Choice Home Insurance Awards
Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
Just a clear robbery. They initially accepted to cover the cost of the leaking after the quotes provided by their trustees (not mine), but then they called after 3 weeks and said because the cost is more than $25 k we need to reassess. They refused to pay after the reassessment and brought up some items from their policy that based on that they can refuse to cover the cost for any leaking. They actually can use this for any issues to not paying customers THEY DON’T cover any leaking at all!!!
Read full reviewJust a clear robbery. They initially accepted to cover the cost of the leaking after the quotes provided by their trustees (not mine), but then they called after 3 weeks and said because the cost is more than $25 k we need to reassess. They refused to pay after the reassessment and brought up some items from their policy that based on that they can refuse to cover the cost for any leaking. They actually can use this for any issues to not paying customers THEY DON’T cover any leaking at all!!!
From the start, the virgin sales consultant was informative, easy to understand and courteous. She allowed me to make the correct decisions for my homes needs and told me about the processes and costs involved saving me money and allowing virgin insurance the opportunity to do their job. Thank you Virgin insurance for peace of mind and great value.
Read full reviewFrom the start, the virgin sales consultant was informative, easy to understand and courteous. She allowed me to make the correct decisions for my homes needs and told me about the processes and costs involved saving me money and allowing virgin insurance the opportunity to do their job. Thank you Virgin insurance for peace of mind and great value.
Virgin will do ANYTHING to get out of settling a legitimate claim, avoid them like the plague! Claim submitted in April 2021 after cyclone Seroja, which we were indirectly affected by. Now we’re in August 2021 & still no end to aforementioned claim. Virgin has had quote from reputable company, sent out an engineer who has said damage caused was direct result of unprecedented rainfall in area, yet now they want to send out ANOTHER engineer to know WHEN the incident occurred (engineer must have a crystal ball.) They are essentially trying to find a way to deny this claim. Pathetic bunch, charge higher than normal fees, we have been loyal to them for over 7 years with only one previous storm claim (patio roof sheets blown off) and one vehicle (hit & run by other party.) Only plus to them, their customer service agents are very friendly & professional. Take your business elsewhere, consumer beware! Virgin do not want to support local - they wanted to send an engineer from Queensland to inspect site, when we are WA based.
Read full reviewVirgin will do ANYTHING to get out of settling a legitimate claim, avoid them like the plague! Claim submitted in April 2021 after cyclone Seroja, which we were indirectly affected by. Now we’re in August 2021 & still no end to aforementioned claim. Virgin has had quote from reputable company, sent out an engineer who has said damage caused was direct result of unprecedented rainfall in area, yet now they want to send out ANOTHER engineer to know WHEN the incident occurred (engineer must have a crystal ball.) They are essentially trying to find a way to deny this claim. Pathetic bunch, charge higher than normal fees, we have been loyal to them for over 7 years with only one previous storm claim (patio roof sheets blown off) and one vehicle (hit & run by other party.) Only plus to them, their customer service agents are very friendly & professional. Take your business elsewhere, consumer beware! Virgin do not want to support local - they wanted to send an engineer from Queensland to inspect site, when we are WA based.
Price is great. Never had any issues. Gives me enough time to consider renewal.
Read full reviewPrice is great. Never had any issues. Gives me enough time to consider renewal.
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.