Virgin Money landlord insurance review 

Virgin Money landlord insurance is competitively priced, but definitely isn't the most comprehensive policy on the market.

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Nicola Middlemiss

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Our verdict

Pros

  • Save 15% on your first year's premium when you buy online.
  • Cover is highly customisable, with lots of optional benefits.
  • Manage your policy online, 24/7 via the Virgin Insurance Hub.

Cons

  • There's no sum insured safeguard available despite many other brands offering it.
  • Loss of rent is only covered up to 10% of your sum insured, but QBE offers up to 20%.
  • You'll have to pay extra if you want to pay your premiums monthly.

Product Tenant Default and Damage Loss of Rent Accidental Damage Sum Insured Safeguard Cooling-off Period Cheapest way to pay
Virgin Landlord Home and Contents Insurance
Virgin Landlord Insurance logo

Optional

10% of the sum insured amount of your property
21 days
Annually
Purchase a new eligible Virgin Home and Contents Insurance policy online and you'll also save 15% on your first year’s premium. T&C’s Apply.
View details
Virgin Landlord Contents Insurance
Virgin Landlord Insurance logo

Optional

No
21 days
Annually
View details
Virgin Landlord Home Insurance
Virgin Landlord Insurance logo

Optional

10% of your home sum insured
21 days
Annually
View details
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What additional cover options are available?

Virgin Money offers a broad range of add-on cover options, including:

  • Flood cover - Protection from financial loss or damage caused by flooding.
  • Tenant default - Receive payment until your building is re-tenanted or payments start again, up to 15 weeks
  • Theft and malicious damage - Cover for loss, damage or destruction caused by your tenant or their visitors.

FAQs

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Journalist

Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards. See full bio

Nicola's expertise
Nicola has written 243 Finder guides across topics including:
  • Personal finance
  • Personal insurance, including car, health, home, life, pet and travel insurance
  • Commercial business insurance
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