What's covered?
You can choose buildings insurance, contents insurance, or both. Click on the links below to find out more about the cover.
Virgin Home Insurance - Cutting down on cost, not cover
What's covered?
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's covered?
Contents insurance
This covers things like sofas, 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 |
| 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 |
| Freezer contents | up to £1000 |
| Money while it’s in the house | up to £500 |
| 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 |
| Download cover | up to £3,000 |
| 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 you can add personal possession cover away from the home when you complete the online quote.
Please note, cover is on a new-for-old basis, with some exceptions. Please read the Policy Wording for full details.
What's covered?
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.
This list is not exhaustive, read our Policy Wording for full details.
For a new quote
Call us on
0800 917 5370
Calls may be recorded.
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8am to 6pm, Sat
10am to 4pm, Sun.
