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.
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
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
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.
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
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.
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.
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
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.
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).
Virgin home insurance is underwritten by Auto & General Insurance Company Limited.
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.
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
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.
Gary Ross Hunter is an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146).
Camera insurance is a must-have if you carry a lot of expensive gear. Find out how to get cover through either contents insurance or speciality camera insurance.
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