Why Virgin Home and Contents Insurance?

What's in it for me?

Actually affordable

Save 30% on your first year's premium when you combine Virgin Home and Contents Insurance online1

Quick and easy

Get cover in minutes with our easy online application process

Flexible for you

Affordable and flexible cover options, with 21 day cooling off period4

Really reliable

You can lodge an insurance claim online 24/7, or over the phone Mon to Fri 8am to 5pm, Sat 8am to 2pm (AEST)

Really Rewarding

Earn up to 10,000 Velocity Points when you buy a new eligible combined Home & Contents Insurance policy by 4 July 202218.

Easy access 24/7

Manage your policy online with the Virgin Insurance Hub

What's covered?

What's covered?

Relax, we offer cover for life's unscripted moments, like:

  • Fire
  • Explosion
  • Theft or attempted theft
  • Malicious damage, vandalism, riot or civil commotion
  • Breakage of glass, ceramic and sanitary fixtures
  • Storm and rainwater
  • Lightning
  • Earthquake or Tsunami
  • Escape of liquid (e.g. pipes, drains, etc)
  • Impact at home (e.g. fallen tree/branch)


Cover limits
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 Up to $750
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


Tailor your cover with our optional extras:

  • Flood Cover
  • Personal Effects Cover
  • Motor Burnout Cover
  • Accidental Damage Cover
  • Sum Insured Safeguard
  • Commercial Storage

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

Virgin Home and Contents Insurance standard

We no longer offer the Virgin Home and Contents Insurance standard product. If you currently hold this policy or have any questions regarding cover options, please call our friendly customer care team on 1800 724 678.

You can find the Product Disclosure Statements for this policy on the Important Documents page.