Virgin life insurance

Virgin Home Insurance

Need cover for your castle? Virgin home insurance could have the right policy for you.

If you want to protect your home from unforeseen nasties, Virgin Home and Contents Insurance could have a policy that suits you. Purchase your policy online and benefit from a 30% discount.

Read on to learn more about their policies and compare features.

Save 30% when you purchase Virgin Home and Contents Online

Save 30% when you combine Home and Contents Insurance Price Saver online

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Details Features
Home and Contents
Home and Contents
Save 30% and receive 5,000 Velocity Frequent Flyer Points when you purchase new Virgin Home and Contents Insurance Price Saver online. T&Cs apply.
  • Up to $20 million legal liability cover
  • 21 day money back guarantee if a claim has not been made
  • Optional extras on offer
Go to site More info
Home and Landlord Insurance
Home and Landlord Insurance
Add optional Landlord cover to protect against damage caused by tenants. Save 15% and receive 5,000 Velocity Frequent Flyer Points when you buy new Virgin Home Insurance Price Saver online. T&Cs apply.
  • Cover for loss of rental income
  • Cover for loss or damage to fixtures and fittings
  • 21 day money back guarantee if a claim has not been made
Go to site More info
Home Only
Home Only
Save 15% and receive 5,000 Velocity Frequent Flyer Points when you purchase new Virgin Home Insurance Price Saver online. T&Cs apply.
  • Up to $20 million legal liability cover
  • 21 day money back guarantee if a claim has not been made
  • Optional extras on offer
Go to site More info
Contents Only
Contents Only
Save 15% and receive 5,000 Velocity Frequent Flyer Points when you purchase new Virgin Contents Insurance Price Saver online. T&Cs apply.
  • Up to $20 million legal liability cover
  • 21 day money back guarantee if a claim has not been made
  • Optional extras on offer
Go to site More info

What cover options does Virgin offer?

Virgin Home Insurance

This Virgin policy is designed to protect your home, fixtures and fittings against a range of insured events. As well as your residential building, Virgin Home Insurance covers things like your garage, patio, permanently wired electrical appliances and more against risks like fire, storm and theft. Up to $20 million of legal liability cover is also included, while you can receive a sizeable discount for purchasing a policy online.

Virgin Home Insurance protects your home, fixtures and fittings, garage, outbuilding, deck, patio and swimming pool against a range of insured events. The list of insured events includes:

  • Fire and explosion
  • Storm
  • Accidental breakage
  • Earthquake
  • Lightning
  • Theft and burglary
  • Malicious damage
  • Impacts
  • Escape of liquid
  • Removal of debris
  • Alternative accommodation
  • $20 million of legal liability cover

Virgin Contents Insurance

If you just want to take out cover for your possessions, Virgin Contents Insurance can help. It covers your furniture, electrical appliances, clothing, carpets, blinds and more against risks like theft, fire, storm damage and impact damage. Optional cover is available for your high-value items and collections, while you can also enjoy cover for your items when they’re away from your insured address. Up to $20 million of legal liability protection is also included.

Under a Virgin Contents Insurance policy, your furniture, electrical appliances, clothing, carpets, blinds and gardening equipment. Insured events include:

  • Fire and explosion
  • Storm
  • Accidental breakage
  • Earthquake
  • Lightning
  • Theft and burglary
  • Malicious damage
  • Impacts
  • Escape of liquid
  • Cover is included for insured items when they are away from insured address
  • Cover for high-value items and collections is available as an optional extra
  • Up to $20 million of legal liability cover is also included.

Virgin Home and Contents

You can combine cover for your castle and all your treasured possessions into one package with a Virgin Home and Contents Insurance policy. You can apply for cover within minutes either over the phone or online and Virgin offers a fast claims handling process.

If you want to take out cover for your home building and your possessions, you can combine the cover of the above policies into a Virgin Home and Contents Insurance policy. With $20 million of legal liability cover, this policy protects you in the case of all the insured events listed above.

Virgin Home and Landlords Insurance

This policy offers all the same cover that a Virgin Home Insurance policy offers, but it includes extra cover features to protect the needs of landlords. It covers you for loss of rent if your home is not fit to be lived in following an insured event, plus it also provides cover for loss or damage to your fixtures and fittings.

This Virgin policy offers all the same cover as the Home Insurance policy listed above. However, it also includes extra benefits to look after the specialised insurance needs of landlords. You are covered for loss of rent if tenants are unable to live in your home following an insured event, while loss or damage to floor coverings, light fittings and window coverings is also covered.

How does cover compare between policies?

BenefitHomeContents
Accidental Breakage of Glass, Ceramic & Sanitary Fixtures
  • Yes
  • Yes
Contents Away From The Insured Address
  • No
  • Yes
Credit Card Cover
  • No
  • Yes
Earthquake Cover
  • Yes
  • Yes
Escape Of Liquid
  • Yes
  • Yes
Explosion Cover
  • Yes
  • Yes
Fire Cover
  • Yes
  • Yes
Funeral Expenses
  • Yes
  • Yes
Impact Cover
  • Yes
  • Yes
Lightning Cover
  • Yes
  • Yes
Lump Sum or Instalment Payments
  • Yes
  • Yes
Malicious Damage, Vandalism, Riot or Civil Commotion
  • Yes
  • Yes
Mortgage Discharge Costs
  • Yes
  • No
Open Air Contents Cover
  • No
  • Yes
Replacement Of Locks
  • No
  • Yes
Storm & Rainwater Damage
  • Yes
  • Yes
Temporary Accommodation Costs
  • Yes
  • Yes
Theft or Attempted Theft
  • Yes
  • Yes
Unattached Equipment Cover
  • No
  • Yes
Uninsured Guests' Contents Cover
  • No
  • Yes
Legal Liability Cover
  • Yes
  • Yes
Optional Benefits
Accidental Damage Cover
  • Yes
  • Yes
Choice Of Excess Options
  • Yes
  • Yes
Flood cover
  • Yes
  • Yes
Landlord Cover
  • Yes
  • No
Motor Burnout Cover
  • Yes
  • Yes
Personal Effects Cover
  • No
  • Yes
Sum Insured Safeguard
  • Yes
  • No

What Virgin exclusions do I need to know about?

Just like any other form of insurance policy, Virgin Home and Contents Insurance features a list of general exclusions. Your claim will not be paid if:

  • It is caused by the presence of asbestos at the insured address
  • It results from any criminal or illegal act or omission by you, or by someone acting with your consent
  • It results from your failure to comply with any law or regulation relating to pool fencing, smoke detectors, pollution, dangerous goods, restricted breeds of dog etc
  • It is for loss, damage or liability caused by fines, penalties or court costs
  • It is for loss or damage to part of the home which is specifically used for business purposes
  • It is for consequential loss
  • Your claim is caused by a structural fault, design fault or faulty workmanship
  • It is caused by pollution or contamination
  • Loss or damage occurred because of your failure to maintain your home or contents in good condition
  • It is for loss or damage caused by erosion, vibration, landslide or subsidence. However, ground movement that occurs within 72 hours as a result of an insured event will be covered
  • It is for wear and tear, rust, rot, mildew or gradual deterioration
  • It is caused by an intentional act by you, your family or someone acting with your consent
  • It is for the loss of electronic data
  • It is caused by mechanical or electrical breakdown
  • Your claim results because of the lawful seizure, repossession or confiscation of any goods or property
  • It is for loss or damage caused by tree lopping or felling.

How much will this cost me?

The following factors can all affect the cost of your Virgin Home Insurance premiums:

  • The sum insured. The higher the sum insured you nominate for your home and contents, the more you can expect to pay for your cover.
  • The location and construction of your home. Homes built from certain materials, for example brick homes, are better equipped to withstand damage than other dwellings. In addition, homes located in areas with high crime levels or where damaging storms are a common occurrence typically cost more to insure.
  • Security measures. Security systems and alarms fitted to your home can act to strongly discourage thieves. As a result, you can expect to pay lower premiums.
  • Your previous insurance experience. The underwriter will always take into account your previous claims history whenever they assess the risks associated with offering you cover.
  • Optional extras. Adding optional extras to your cover, for example accidental damage protection, will come at an additional cost.

What kind of excess am I looking at?

When you make a claim on your Virgin Home Insurance policy, you’ll need to pay an excess. This is the amount that you must contribute towards the overall cost of your claim. Depending on your policy and the type of cover you have, one or more excesses may apply when you make a claim. Consult your certificate of insurance for details of the excesses that apply to your policy.

How to Save on Your Virgin Home Insurance Policy

  • Buy online. You can save up to 30% off the cost of Virgin Home and Contents Insurance when you purchase your policy online.
  • Pay a higher excess. If you wish to pay a higher excess when you make a claim, you will enjoy lower insurance premiums in return.
  • Bundle your cover. Combine a Home Insurance policy with a Contents Insurance policy to save on the cost of cover.

Making a claim

If you need to make a claim on your Virgin Home and Contents Insurance policy, you'll need to contact them either by the phone or online. You’ll then be guided through the claims process. Alternatively, you can opt to fill out an online claim notification form and then receive a callback to clarify the details of your claim.

The insurer may need to arrange for an assessor to visit you and inspect any damage, while you may also need to provide evidence or documentation to support your claim. Finally, remember that if you have been a victim of theft, burglary or vandalism, it’s also important that you immediately report the matter to police.

FAQs Virgin Home Insurance

You can purchase a policy from Virgin online or over the phone. However, keep in mind that you can take advantage of a sizable discount when you buy cover online.

Virgin provides the following cover options for an additional cost: motor burnout, accidental damage, personal effects cover (only available with Contents Insurance) and sum insured safeguard (only available with Home Insurance.

If you have Home Insurance and you’re happy to pay an additional premium, your sum insured will be extended by 25% if your nominated sum insured is not sufficient to cover the cost of rebuilding your home.

Virgin Home and Contents Insurance policies are underwritten by Auto and General Services Pty Ltd.

Motor Burnout covers for damage or loss to electric motors during the period of insurance if:

  • The burnout is caused by power surge
  • The motor is burned out at the home.

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