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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.

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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 25
Name Product Building Cover Contents Cover Fire, Storm & Theft Damage Sum Insured Safeguard Online Discount Cheapest way to pay
BonusFinder Award Finalist
Budget Direct Home & Contents Insurance
Optional
Annually
Our verdict: The most popular insurer on Finder, Budget Direct prioritises low-cost cover and gives you up to 30% off your first year for new combined policies purchased online. This is a big reason it won this year’s Finder Award for value.
Best Rated Brand
Youi Building and Contents Insurance
Annually
Our verdict: Finder’s 2022 Insurer of the Year for Customer Satisfaction and our Top Pick for Fire Damage cover. It’s good if you want a tailored quote over the phone.
Green CompanyBonus
QBE Home & Contents Insurance
Annually
Our verdict: Finder's Top Pick for Floods plus cover for other common claims such as fire and theft). Its discount is better than most – 20% off your first year with a combined policy.
Finder AwardBonus
Honey Home & Contents Insurance
Monthly or Annually
Our verdict: Honey gives you $250 smart sensors to reduce accidents and estimates your rebuild costs for you. Honey was a finalist for the comprehensive category in this year’s Finder Awards.
Finder AwardBonus
Australia Post Home & Contents Insurance
Annually
Our verdict: Covers common claims such as fire, storms, floods and rain. It’s also very helpful if you need to rebuild following a disaster. It offers a special safeguard of up to 30%.
Bonus
Kogan Home & Contents Insurance
Annually
Our verdict: Good comprehensive cover (issued by QBE). Also, get 16% off on your first year's premium when you purchase a new combined Home & Contents insurance policy online + $10 monthly credit. T&Cs apply.
BonusFinder Award Finalist
Qantas Home and Contents Insurance
Optional
Annually
Our verdict: Earn up to 30,000 Qantas Points with every Qantas Home Insurance policy you take out by 28 May. T&Cs and exclusions 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 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 Auto & General Insurance Company Limited. Here's an overview of how it did:

  • Virgin (Auto & General Insurance Company Limited) 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.

Why you can trust Finder's home insurance experts

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We're free

You pay the same as buying directly from the home insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.
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We've researched and rated dozens of policies as part of our Finder Awards. We provide unique insights and our in-house experts regularly appear on Sunrise, 7News and SBS News.
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We're independent

Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of home insurance brands, making it easier for you to find a good deal.
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We're here to help

Since 2014, we've helped 150,000+ people find home insurance by explaining your cover options simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.

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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