How do I make a home insurance claim with Virgin?

If you need to make a claim on your Home and Contents Insurance policy, you'll need to contact Virgin either by phone on 1800 662 884 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.

What optional add-ons does Virgin home insurance offer?

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

Who is the underwriter for Virgin home insurance?

Virgin home insurance is underwritten by .

What is Virgin's sum insured safeguard option?

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.

Who is eligible for a Virgin home insurance policy?

To be eligible for a policy with Virgin, you need to have an Australian mailing address (or you will have one in the next 30 days) when you take out a policy, be at least 16 years old and reside in Australia at the property you want to insure. Policies aren't generally suitable for: Homes in the Northern Territory or above the Tropic of Capricorn (excluding the Greater Rockhampton area) Hotels, motels and other similar dwellings Caravans, cars, trailers, mobile homes or shipping containers Homes with asbestos roofs Homes that are under construction and not at lock-up stage People who have been convicted of arson or fraud including those who have had previous insurance denied due to fraud

Virgin Home Insurance Review

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Virgin is a great option if your looking for value for money and flexibility.
Sum insured safeguard is a good add-on you can be purchase with your policy.
You should compare quotes from multiple insurance providers to help find the right fit for your home.

Must read

Virgin Money is no longer offering new insurance policies to new customers. This page is maintained for the benefit of existing policyholders.

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:

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Theft

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Fire

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Explosion

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Escape of liquid

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Storm

You need to pay an excess whenever you make a home insurance claim and every policy comes with a cooling off period of . 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

Standard features
Optional add-ons
Exclusions

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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)

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.

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.

Virgin home insurance complaints

We looked at home insurance complaint data from the Australian Financial Complaints Authority (AFCA) between July 2022 and June 2023. 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 . Here's an overview of how it did:

Virgin () had significantly less complaints than Honey Insurance.

Of the 21 complaints it received, 9 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

If you need to make a claim on your Home and Contents Insurance policy, you'll need to contact Virgin either by phone on 1800 662 884 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.
To be eligible for a policy with Virgin, you need to have an Australian mailing address (or you will have one in the next 30 days) when you take out a policy, be at least 16 years old and reside in Australia at the property you want to insure.
Policies aren't generally suitable for:
- Homes in the Northern Territory or above the Tropic of Capricorn (excluding the Greater Rockhampton area)
- Hotels, motels and other similar dwellings
- Caravans, cars, trailers, mobile homes or shipping containers
- Homes with asbestos roofs
- Homes that are under construction and not at lock-up stage
- People who have been convicted of arson or fraud including those who have had previous insurance denied due to fraud

Sources

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.

Thank you for your feedback!

Written by

Gary Ross Hunter

Journalist

Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio

Gary Ross's expertise

Gary Ross has written 589 Finder guides across topics including:

Health, home, life, car, pet and travel insurance
Managing the cost of living

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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.