Home insurance

This protects against sudden, unintentional, and unforeseen incidents. Such as smashing a window with a football or hammering a nail into a pipe.

Examples of what's not covered:

• damage caused by a storm to fences, gates and hedges
• damage caused by faulty workmanship, design or materials

This covers unexpected accidents. Like a cracked glass tabletop or spilling red wine on the carpet.

Examples of what’s not covered:

• loss or damage to money
• loss or damage to sports equipment when it is being used

Items you take outside your home are not covered automatically for loss, theft or damage.

If you want to insure items worth less than £2,500 outside your home, for example jewellery or laptops, you'll need to add personal belongings cover. This covers items worn, used or carried by you or your family in daily life against loss or damage. This includes when you're away from the home.

There is a limit per item of £2,500. Individual limits also apply for mobile phones (£500), personal money (£750), bicycles (£1,000) and credit cards (£1,000). To cover items with a value above these limits, they'll need to be specified on your policy under the ‘High risk property’ option.

Examples of what’s not covered:

• loss or damage caused by theft or attempted theft from an unattended motor vehicle
• loss within the home to items which are not high-risk property

This is designed to cover you for theft, loss, or damage to individual items at home and away that are valued at over £2,500.

You need to specify these items in the personal belongings section to ensure they are fully covered.

The total amount that can be covered for high-risk items is £20,000.

Mobile phones regardless of value are covered for loss or damage as standard within the home.

If you add personal belongings any mobile phones up to £500 are covered out of the home.

Optional mobile phone cover provides cover for mobile phones that are worth over £500.

Bicycles regardless of value are covered for loss or damage as standard within the home.

If you add personal belongings any bicycles worth up to £1,000 are covered. This is away from home or up to 60 days outside of Europe.

Optional bicycle cover provides the cover for bikes that are worth over £1,000.

Be prepared for unexpected home emergency repairs with this optional cover.

Our 24/7 emergency cover protects you with up to £1,500 in costs (inc VAT), with no excess. It's for those unexpected events like a boiler breakdown, a blocked drain or a burst pipe.

Examples of what’s not covered:

• blocked toilets or drains where the cause is a result of misuse or the internal workings of the flush
• boilers that are over 15 years old

This provides you and your family up to £150,000 to cover a range of legal help and support. It protects you against the costs of being sued or having to make a claim against someone else for things like:

• employment disputes
• personal injury
• property issues

Examples of what’s not covered:

• incidents that started before the policy
• claims relating to anyone you live with, or have lived with previously

Home insurance isn't a legal requirement, but it helps protect your home and belongings if something unexpected happens. Most mortgage providers expect you to have buildings cover in place.

Your price depends on things like:

• where you live
• the type of property you live in
• what level of cover you want
• if you have any history of claims
• the value of your belongings

To get a quote from us, you only need to tell us:

• name
• date of birth
• contact details
• details about the property you want to insure

Once you have your quote, you can tailor it include any additional cover you’d like.



That's it. We keep it quick and straightforward.

You can get Virgin Money Home Insurance from £145*. depending on your home and the cover you choose. Virgin Money will always show you the lowest price offered by our panel of insurers based on your details.

*10% of new customers paying annually paid £145, based on all policies sold (excluding add‑ons) between September 2024 and September 2025.

Newer homes can be cheaper to insure because they're often built with modern materials and safety standards.

They have brand-new wiring, plumbing and roof fittings which means you’re less likely to make a claim on your home for these reasons.

Price still depends on your specific property, belongings and cover needs.

You can make a claim by contacting the claims team 24 hours a day, every day of the year. Our Claims Specialists will guide you through what to do and what information you’ll need to give us.

Defaqto Star Ratings are an easy way to see how good a financial product is.

An independent team at Defaqto looks at the features, benefits and limits of a product, and gives it a score from 1 to 5.

A 5-Star rating means the product offers a strong level of features and cover.


Virgin Money Home Insurance is promoted by CYB Intermediaries Ltd, registered at Jubilee House, Gosforth, NE3 4PL (Company No: 04056283) who is authorised and regulated by the Financial Conduct Authority (Financial Services Register No. 305065) and provided by Uinsure Limited. Uinsure Limited is registered in England and Wales with company number 06046870 with a registered office at XYZ Building, Hardman Boulevard, Manchester M3 3AQ. Uinsure Limited is authorised and regulated by the Financial Conduct Authority and is registered on the Financial Services Register under number 463689. You can check this on the FCA's Firm Checker at https://www.fca.org.uk/consumers/fca-firm-checker