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Virgin home insurance review

If you want a home insurance provider that’s rarely beaten on price, Virgin could be ideal for you.

3.5 ★★★★★ (6 reviews) Write a review

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Our verdict

  • Virgin offers some of the cheapest policies available on Finder, according to our research.
  • Virgin came in as a close second for our Top Pick for Flexibility. It has loads of add-ons like sum insured protection, flood cover, accidental damage, motor burnout, specified items and more.
  • Some insurers automatically include a sum insured safeguard (protection from underinsurance). You'll need to pay extra if you want it included with Virgin.
We don't currently have this brand on our panel. But don't fret! You can head to the Huddle website or compare a bunch of other home insurance companies with finder.
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Compare home insurance policies below

1 - 7 of 30
Name Product Building Cover Contents Cover Fire, Storm & Theft Damage Sum Insured Safeguard Online Discount Cheapest way to pay
Budget Direct Home & Contents Insurance
Optional
Annually
Save 30% on your first year's premium when you purchase a new combined Home & Contents insurance policy online. T&Cs apply.
Youi Building and Contents Insurance
Annually
Get a 20% discount on your contents insurance if you have a car insurance policy with Youi. Excludes NSW & SA CTP green slips. T&Cs apply.
Bendigo Bank Home & Contents Insurance
Fortnightly
Qantas Home and Contents Insurance
Optional
Annually
Earn up to 20,000 Qantas Points when you apply. Points awarded will be based on your premium. T&Cs & exclusions apply.
Seniors Top Home & Contents Insurance
Annually
Buy online and save up to 30% on a new home and contents insurance policy. T&Cs apply.
Honey Home & Contents Insurance
Monthly or Annually
Sign up and get free smart sensors (worth $250) to install around the home for accident prevention. T&Cs apply.
Woolworths Comprehensive Building and Contents
Annually
Save up to 20% when you buy a Woolworths Home and Contents insurance policy online. Plus, Everyday Rewards Members will save 10% on their monthly shop. T&Cs apply.
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What does Virgin home insurance cover?

Virgin has 3 home insurance policy options to choose from: Home and Contents Insurance, Home Only and Contents Only. It also offers Landlord Insurance.

Here are some of the events a Virgin home insurance policy can cover you for:

You need to pay an excess whenever you make a home insurance claim and every policy comes with a cooling off period of 21 days. This means you can receive a full refund if you decide to cancel your policy within this timeframe.

Here's a breakdown of Virgin home insurance features

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Standard features

Here are some of the main features included with a Virgin home insurance policy. For example, if a theft (insured event) occurs at your home, you could submit a claim for replacing your locks (feature).

  • Replacement of locks
  • Open air contents cover
  • Temporary accommodation costs
  • Unattached equipment cover
  • Uninsured guests' contents cover
  • Contents while moving address
  • Mortgage discharge costs
  • Legal liability cover

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Optional add-ons

For an additional fee, you can get the following optional add-ons:

  • Accidental damage
  • Flood cover
  • Sum insured safeguard
  • Unspecified personal effects cover
  • Motor burnout cover
  • Commercial storage
  • Tenant default cover (Landlord Cover only)
  • Theft by tenant (Landlord Cover only)

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Exclusions

Every policy comes with exclusions. Here's what you won't be covered for:

  • Floods (unless you get the optional add-on)
  • High tides (or any other action of the sea)
  • Wear and tear
  • Tree lopping
  • Loss or damage caused by insects, birds, vermin or rodents
  • Underground water seepage or pressure
  • Structural faults, design faults or faulty workmanship
  • Illegal acts or omissions
Remember to read Virgin's PDS for a full list of what's not covered. You can also find more about general exclusions here.

Virgin home insurance complaints

We looked at home insurance complaint data from the Australian Financial Complaints Authority (AFCA) between July 2020 and June 2021. The data explores different underwriters and compares their business size to the number of complaints processed.

When comparing insurers, keep in mind that insurers with a larger market share serve more customers, so can potentially get more complaints.

Virgin is underwritten by Auto & General Insurance Company Limited. Here's an overview of how it did:

  • Virgin (Auto & General Insurance Company Limited) had significantly less complaints than St. George.
  • Of the 3 complaints it received, 2 were resolved directly with the customer and the other had to be escalated by the AFCA.

Bottom line about Virgin home insurance

Virgin home insurance is one of the most affordable home insurers available and great for flexibility. However, you'll need to pay extra if you want a sum insured safeguard.

To see how Virgin home insurance stacks up against other providers, you can head here.

Frequently asked questions

Leave a Virgin home insurance review

If you've held or currently hold a Virgin home insurance policy, we'd love to hear from you. Your reviews help other Australians decide if Virgin is right for them. Some reviews are from a survey commissioned by Finder.

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