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Virgin Money Home & Contents Insurance

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Important information on terms, conditions and sub-limits
Fire
Yes
Theft or burglary
Yes
Flood
Optional Extra
Storm
Yes
Building cover
Contents cover

Mozo editorial review Virgin Money Home & Contents Insurance - last updated: 4 April 2024

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What's hot
  • 2023 Mozo Experts Choice Award winner
  • Up to 15% discount on your first year's premium when you buy online
  • 10,000 Velocity Points available to new customers
What's not
  • Extra fee for monthly payments
Mozo snapshot

The Virgin Money Home and Contents Insurance policy offers comprehensive cover at competitive prices, giving you the chance to protect your valuables and your budget at the same time. And it's got the silverware to prove it, having taken out a 2023 Mozo Experts Choice Award for Exceptional Value Home & Contents Insurance. What's more, new customers who purchase a Virgin Car insurance policy by 30 September 2024 will also receive up to 10,000 Velocity Points.

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Key features

There’s a lot to like about the Virgin Money Home and Contents Insurance policy, starting with just how extensive it is. You’ll find you’re covered under a wide range of circumstances, including fire, storm, earthquake and theft. Flood and accidental damage cover are also available but come in a list of extras which must be purchased separately.

Cash is covered up to $800, while computer software is insured for up to $3,000. Cover for valuables is much higher: $5,000 per item for artwork, or up to $12,000 in total, and $1,000 per item for jewellery, or up to $5,000 in total.

The application process is online and should take no more than a few minutes. And once your policy is up and running, you’ll be able to manage it online with the Virgin Insurance Hub. When it comes time to make a claim, you can do so online or over the phone at any time.

Also, there's a 15% discount up for grabs on your first year’s premium when you buy online and combined Virgin Home and Contents Insurance. Plus another 15% off your premium in the first year if you buy your policy online.

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Who is it good for

Virgin Money Home and Contents Insurance would be a great fit for anyone looking to safeguard their belongings from unfortunate occurrences like theft and natural disasters.

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Any catches

It pays to read the PDS really carefully before signing up, as there are plenty of exclusions and conditions typical to insurance policies you’ll need to be aware of. For example, loss or damage caused by weather will not be covered if it can be traced back to a design fault or lack of maintenance on your part.

Details

Cover information and limits in the table below correct as at 18 April 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Policy and service features

60

Optional Extra - Up to 25% of sum insured

Yes

$100

true

no

Earn up to 10,000 Velocity Points when you apply by 30 September 2024 online. Save 30% on you first year's premium.

Yes

Up to 90 days, up to $1,000 for unspecified personal effects.

Up to $1,000

Up to $20,000,000

Save 15% on the first years premium when purchased online with a 21-day cooling off period.

n/a

Events

Optional Extra

Yes

Yes

Yes

Yes

Optional Extra

Yes

Optional Extra, up to 10 years old

No

Yes

Yes

No

Yes

Yes

Yes

Yes

Buildings

Yes

Up to $1,000

No

Yes

Contents

Up to $800

No

Up to $3,000 combined with computer software

Up to $3,000 combined with CDs/DVDs

Yes

Yes

Up to $2,500 per item

Up to $5,000 per item for artwork, up to $12,000 in total, up to $2,000 for collections

Up to $1,000 per item, up to $5,000 in total

No

No

No

Yes

Up to $2,000

No

Up to $12,000

Other cover

Up to $7,000 for funeral

No

Up to $1,000

Up to 10% of sum insured, up to 12 months. Combined with temporary accommodation for pets.

Up to 10% of sum insured, up to 12 months. Combined with temporary accommodation.

Yes

Up to 10% of sum insured combined with demolition cost and emergency storage cost

Up to 10% of sum insured combined with debris removal cost and emergency storage cost

No

Up to 14 days at new address, content only

Up to 20% of sum insured

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

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