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CONTENTS INSURANCE

This information relates to Virgin Home and Contents Insurance policies issued by Auto and General Insurance Company Ltd purchased before 2 October 2025.

What is contents insurance?

Contents Insurance covers valuables like appliances, furniture, jewellery and more against loss or damage from insured events such as storms, theft or fire (including bushfire).

While you'll need Building Insurance to protect the building itself, Home Contents Insurance can cover your important personal belongings if one of these unfortunate insured events occur.

What's covered?

What's covered with your contents insurance?

You should have peace of mind knowing all the things that make home feel like home are insured.

That’s why our contents insurance offers cover for life’s unscripted moments, like:

Repair or replacement of your home building
Repair or replacement of your home contents
Limits apply to certain items. See PDS.
Legal liability
Up to $20 million
Temporary accommodation
Up to 10% of sum insured, up to 12 months
Debris removal and extra rebuilding costs
Up to 10% of sum insured
Funeral expenses
Up to $7,000
Modifications to home
Up to $5,000
Mortgage discharge costs
Contents temporarily removed
Up to 20% of sum insured
Contents lost or damaged in transit
Up to 20% of sum insured
Replacement of locks and stolen keys
Up to $1,000
Unattached equipment
Up to $500
Visitors’ uninsured contents
Up to $500
Food spoilage
Up to $500

This is a brief summary only. Conditions apply. Full details are contained in the Product Disclosure Statement (PDS).

Optional covers

Add-ons to your contents insurance policy.

Looking for extra coverage on your contents insurance cover? Tailor your cover with our optional extras:

# The addition of Flood Cover to a policy is subject to our underwriting criteria.

For full details on this product please see the Product Disclosure Statement (PDS).

Contents insurance for renters

Not a homeowner? You can cover your contents too! Renters can take out contents insurance with Virgin Money. Even if you don’t own your home, you can still enjoy peace of mind knowing your possessions and valuables are covered in the event of unforeseen circumstances.

You may not need to worry about insurance for the building you’re living in if you’re renting. But the furniture, clothes and precious personal items are all your own responsibility. If the worst happens and your home and belongings are damaged in a theft, storm or fire, it’s essential that you’re covered.

Need to make a claim on your contents insurance?

No sweat! We’ve made the claims process simple and easy so you can rest easy knowing your contents are covered. You can get in touch with one of our helpful claims team members 24/7.

Learn more about making a claim on your contents insurance.

Contents Insurance FAQs

What is covered by contents insurance?

Contents insurance covers your personal valuables and household items against loss or damage due to an insured event. This can include the cost of repairing or replacing a damaged item, accidental breakage of glass and more.

What does “contents” mean?

Contents simply means the items and valuables that you own! With contents insurance, these valuables are covered for loss or damage due to unexpected circumstances. These can include theft, natural disasters and more.

How much contents insurance do I need?

The contents insurance policy you decide on and the amount in which you are insured for will depend on you. There are a number of factors that will determine how much you need. These factors include: your budget, the value of your belongings and how much you would like insured.

How much is contents insurance?

The cost of your contents insurance policy will depend on a number of factors that are specific to you. These factors include: your budget, the value of your belongings and how much you would like insured.

Is contents insurance worth it?

When deciding if contents insurance is worth it for you, you should consider the value of your personal belongings. The higher the value the more you have to lose. It can be very worthwhile making sure the possessions you value the most are covered with financial protection against loss or damages.

Can I get contents insurance in a shared house?

Yes, you can get contents insurance in a shared house with Virgin Money. Your belongings are covered for theft or damage, provided they are stored in secure shared areas, like common rooms, garages, or storage spaces within your residence.
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This information relates to Virgin Home and Contents Insurance policies, Car Insurance policies and Roadside Assistance membership issued by Auto and General Insurance Company Ltd purchased before 2 October 2025.

Discount applies to the first year's premium paid for new Virgin Home and or Contents Insurance initiated online on or after 30 March 2017. The 30% discount applies to Combined Home & Contents Insurance, 15% discount applies to Home Insurance only or Contents Insurance only. We reserve the right to change the offer without notice. Base rate premiums subject to change. The discount does not apply to any renewal offer of insurance. Discount applies only to the insurance portion of the premium before any fees, charges or levies that may apply. This may impact the full extent of the discount.

Exclusions and conditions apply. See the Product Disclosure Statement, Target Market Determination (TMD) and Financial Services Guide (FSG) for full details. Not available in Northern Territory, North Queensland and Northern Western Australia. Approved applications only.

Virgin Home and Contents Product Disclosure Statement (PDS), Target Market Determination (TMD) and Financial Services Guide (FSG).

Virgin Car Insurance Product Disclosure Statement (PDS) and Target Market Determination (TMD), Premium, Excess and Discount Guide (PED) and Financial Service Guide (FSG).

Virgin Car Insurance Roadside Assistance Terms and Conditions.

This information is of a general nature only and does not take into account your personal financial situation, needs or objectives. As we don’t know your financial needs we can’t advise if our products will suit you. Terms, conditions, limits and exclusions apply. Please consider the relevant Product Disclosure Statement, Target Market Determination and/or Terms and Conditions available at virginmoney.com.au before making a decision about the product. Any discounts on both new and renewing policies only apply to the extent that any minimum premium isn't reached.

Auto & General Services Pty Ltd (ABN 61 003 617 909; AFSL 241411) ("AGS") arranges the insurance on behalf of Auto & General Insurance Company Ltd (ABN 42 111 586 353; AFSL 285571).

Insurances: Virgin Car Insurance and Virgin Home and Contents Insurance are promoted by Virgin Money (Australia) Pty Limited (“Virgin Money”) as the Authorised Representative No. 280884 of Virgin Money Financial Services Pty Ltd ABN 51 113 285 395 AFSL 286869. Car, Home and Contents: Auto & General Services Pty Ltd (ABN 61 003 617 909; AFSL 241411) arranges the insurance on behalf of the product issuer, Auto & General Insurance Company Limited (ABN 42 111 586 353; AFSL 285571).