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Optional extras

As well as choosing your cover level, you may also have selected some additional optional cover too:

Home Emergency Assistance

This insures you for household emergencies. So if your boiler's on the blink or your pipes pack up, you can relax knowing you're covered.

Home Emergency Assistance covers you for things like

  • Bursting or sudden leakage of water pipes.
  • Underground drains or sewers failing or being damaged.
  • Complete failure of your central heating (if you have a boiler or warm air unit).
  • Missing or repositioned roof tiles.
  • Removal of wasp nests, field or house mice, or brown rats within your home.

This insurance does not cover normal day-to-day home maintenance which you should carry out or pay for. Examples of these include descaling central heating pipes or replacing tap and cistern washers.

If you suffer an emergency in your home resulting from an incident covered under the policy, we will arrange for an approved contractor to come to your home and remove the emergency.

Remember, you don't have to pay an excess for items covered by home emergency assistance.

Your cover will start 14 days after you first take out your insurance with us.

Please refer to your Policy Document for full details and exclusions.

Read more about Home Emergency Assistance

Family Legal Expenses

We all hope we'll never need legal support – but if you do, this covers you for up to £100,000 of legal costs and gives you access to a 24/7 legal and tax support helpline.

Costs are covered where our legal team believe there is more than a 50% chance of winning the case and achieving a positive outcome.

The types of situation that you and your family are covered for include;

  • Property protection (for example, civil claims relating to the ownership or occupation of your home including boundary and neighbour disputes).
  • Personal injury.
  • Employment disputes.
  • Clinical negligence.
  • Contract pursuit and defence (buying and selling goods).
  • Motor prosecution defence.
  • Tax enquiries.

Legal cover also offers you and your family discounted legal services for events not covered as standard. These include:

  • Routine conveyancing costs of buying or selling a house and remortgaging.
  • Divorce and child custody issues.
  • Wills and probate.

Legal cover also gives you access to Law Assistance, an online legal document service which includes access to a range of free legal documents and a step-by-step walkthrough to assist in completing the documents.

Please refer to your Policy Document for full details and exclusions.

Your cover will start 14 days after you first take out your insurance with us.

Read more about Family Legal Expenses

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

  • 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 additional damage protection.

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.