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We’re making some changes which mean that Virgin Money Home Insurance is currently unavailable to new customers.

If you already have Virgin Money Home Insurance cover you can still make changes and manage your policy.

If you would like to talk to us, just give us a call.

0330 303 1132

We're here from 8.30am to 6pm Monday to Friday.

Calls to 03 numbers cost the same as calls to 01 or 02 numbers and are included in any inclusive minutes and call plans you may have. Calls may be monitored and recorded.

Virgin Money Home Insurance is provided by Ageas Insurance Limited.

No-fuss claims - we aim to settle on the first call where possible

Virgin Money Home Insurance makes things easy, not complicated.

  • We are proud to be working with Ageas, an insurer with an award-winning claims team.
  • We will never leave you high and dry. So even when you're not covered, our 24/7 helpline means we will still be on hand to help.

Learn more about claims and our helpline

Make a claim

What's covered. And what's not

Red: This covers most essentials. Covers buildings up to £500,000 and contents up to £50,000.

Silver: Increased cover. Includes buildings up to £1 million, contents up to £60,000 and cover for basic accidental damage, mobile devices and gadgets, frozen food, locks and keys, plus lots more.

Gold: Our greatest level of cover. Includes buildings up to £1.5 million, contents up to £150,000 and cover for basic accidental damage, mobile devices and gadgets, frozen food, locks and keys, plus lots more.

FeaturesRedSilverGold
Buildings cover Show Buildings cover help - content opens in a new window
 
Close Buildings cover help Covers the structure of your home, including the roof, walls, windows and any permanent fixtures like a fitted kitchen or bathroom.
£500,000£1 million£1.5 million
Contents cover Show Contents cover help - content opens in a new window
 
Close Contents cover help Think of this as covering anything that would fall out of your home if it was turned upside down.
£50,000£60,000£150,000
Accidental damage Show Accidental Damage help - content opens in a new window
 
Close Accidental Damage helpBuildings
Our Silver and Gold cover includes basic accidental damage as standard. This means you’re insured against accidents such as damage to fixed bathroom suites or breaking glass fixtures and fittings.

Contents
Our Silver and Gold cover includes basic accidental damage as standard. This insures you against accidental damage to televisions, DVD players, smartphones, tablet computers, e-readers, netbooks, MP3 players, laptops, personal computers, game consoles and fixed glass in furniture.
 BasicBasic
Mobile device & gadgets Show Mobile device & gadgets help - content opens in a new window
 
Close Mobile device & gadgets help Insures your DVD players, games consoles, desktop personal computers and hand-held, carried or portable items such e-readers, smartphones, netbooks or tablet computers against accidental damage.
  Covered  Covered 
Frozen food Show Frozen food help - content opens in a new window
 
Close Frozen food help Covers the contents of your freezer should something go wrong.
  Covered  Covered 
Locks & keys Show Locks & keys help - content opens in a new window
 
Close Locks & keys help We will pay for the cost of replacing and installing locks on outside doors if your keys are lost outside your home or are stolen.
  Covered  Covered 
Alternative accommodation Show Alternative accommodation help - content opens in a new window
 
Close Alternative accommodation help If you can't live in your home due to damage, we'll pay for necessary alternative accommodation for you, your family and your pets until your home is repaired.
 Covered Covered Covered
Pedal cycles at home Show Pedal cycles at home help - content opens in a new window
 
Close Pedal cycles at home help This protects your bicycles within the boundaries of your home.
 Covered  Covered  Covered 
Student belongings Show Student belongings help - content opens in a new window
 
Close Student belongings help help Covers loss or damage to contents belonging to you or a family member when living in halls of residence or any other term-time student accommodation, while at boarding school, college or university.
  Covered Covered
Guest belongings Show Guest belongings help - content opens in a new window
 
Close Guest belongings help Covers damage to the personal belongings of your guests and visitors, while they are in your home.
  Covered  Covered 
Newly acquired content Show Newly acquired contents help - content opens in a new window
 
Close Newly acquired contents help If the value of new contents takes you over the maximum claim limit, we'll cover them for 60 days from the date of purchase to give you time to increase your cover.
  Covered Covered

Please refer to the Product Specification for further details PDF opens in a new window 
(PDF, 336KB)

You may also have chosen to add these extras to your policy:

  • Home emergency assistance
  • Family legal expenses
  • Pedal cycle cover away from the home.
  • Possessions away from the home.
  • Named items worth up to £2,000.
  • An excess amount to suit you (minimum excess is £100).
  • Enhanced accidental damage protection.

Find out more about optional extras.

Some things we don't insure

Although our insurance is pretty comprehensive, we can’t cover everything. Some of the things we don’t cover include loss or damage relating to:

  • Wear and tear, or general deterioration
  • Acts of war
  • Terrorism
  • Riots
  • Confiscation of property by customs or other officials
  • Any criminal or deliberate act by you or your family
  • Any loss, damage, injury or accident that started before this policy came into force

Please refer to your Policy Document for full details and exclusions

If you would like to talk to us, just give us a call.

0330 303 1132

We're here from 8.30am to 6pm Monday to Friday.

Calls to 03 numbers cost the same as calls to 01 or 02 numbers and are included in any inclusive minutes and call plans you may have. Calls may be monitored and recorded.

Virgin Money Home Insurance is provided by Ageas Insurance Limited.

Virgin Money Home Insurance is promoted by Virgin Money Personal Financial Service Ltd, arranged and administered by Ageas Retail Limited and underwritten by Ageas Insurance Limited.

Virgin Money Personal Financial Service Ltd and Ageas Retail Limited are authorised and regulated by the Financial Conduct Authority.

Virgin Money Personal Financial Service Ltd (Co.Reg.No. 3072766) is registered in England and Wales. Reg. office: Jubilee House, Gosforth, Newcastle upon Tyne NE3 4PL.

Ageas Retail Limited (Co.Reg.No. 1324965) and Ageas Insurance Limited (Co.Reg.No. 354568) are both registered in England and Wales. Reg. office: Ageas House, Hampshire Corporate Park, Templars Way, Eastleigh, Hampshire SO53 3YA.

Extras like Home Emergency and Legal Protection are provided by one of a number of providers, See our Terms of Business Agreement for details.