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.
A pro is that their pricing is extremely competitive. A con is that unlike some other insurers, they don't offer discounts to your premium If you take extra safety precautions. For example installing security cameras in common areas, or having fire extinguishers and fire blankets will have zero impact on your Virgin money premiums.
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.
I can't really rate as I haven't had to make a claim but they are affordable and always courteous and on my car insurance, I get an SMS about storms in the area.
Personally, I'm very happy about Virgin Money but I am still thinking on moving to another insurance company that is more efficient with their customer support one that has better and higher coverage value. But overall, I'm pretty happy with them.
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