What we cover
You can choose buildings insurance, contents insurance, or both. Click on the links below to find out more about the cover.
Virgin Home Insurance - Offering you the great value you'd expect - without cutting corners
What we cover
Buildings insurance
As well as covering the structure of your home and fixtures and fittings, our buildings insurance also covers the cost of things like architects, surveyors and builders if you have to rebuild your home due to an insured risk. It also covers your liability as a property owner up to a limit of £2,000,000.
What we cover
Contents insurance
This covers things like sofas and satellite dishes, wardrobes and washing machines - all the things you would pack up and take with you if you moved house.
| What we cover | How much is covered? |
|---|---|
| Valuables | up to £1,500 for a single item or collection. |
| Download cover | up to £3000 |
| The things in your garden | up to £1000 - excluding bedding plants, trees, shrubs and grass. |
| Replacement external locks if your keys are stolen | up to £500 |
| The cost of new title deeds if they’re damaged while they’re in your home or bank | up to £250 |
| Freezer contents | up to £500 |
| Money while it’s in the house | up to £300 |
| Home office equipment, like a computer, printer or fax machine | up to £5,000 |
| Accidental damage to your TV, video player, DVD player, home computer, hi-fi and TV games consoles | repair cost or replacement value |
| Glass and mirrors | repair cost or replacement value |
| Home contents while you’re moving house (when using professional removers) | up to your contents sum insured |
| Occupier's and personal liability cover | up to £2,000,000 |
| Tenant’s liability cover | up to 20% of the sum insured |
| Employer’s liability cover | up to £10,000,000 |
We even give you added cover for your contents when you need it most:
- 10% more cover over Christmas, at no extra charge
- If someone in your house gets married, we will give you an extra 10% more cover 4 weeks before and after the big day for free.
If you cycle, your bike is covered when it is in your house, garage or shed. If you would like to cover it when you are out and about, please call us for a quote on 0800 1582 780.
Please note, cover is on a new-for-old basis, with some exceptions. Please read the policy document for full details.
What we cover
What are your buildings and contents covered against?
- Fire, smoke, lightning, explosion or earthquake.
- Riot, civil commotion and political disturbances.
- Storm or flood.
- Theft, attempted theft, vandalism or other malicious acts.
- Oil or water escaping from your heating system or appliances.
- Subsidence or landslip.
Like to talk to us?
Call us on
0800 051 0595
Calls may be recorded.
We're here...
8am to 8pm, Mon to Fri
9am to 5pm, Sat
10am to 5pm, Sun.
Sorry, we’re not open on
bank holidays.