In this section

What's covered. And what's not

Red: This covers most essentials. Covers buildings up to £500,000, contents up to £50,000, plus choose additional options so your cover meets your needs.

 

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.

Moneyfacts Home Buildings Insurance 2017Moneyfacts Home Contents Insurance 2017
 

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.

You can compare and choose your cover level when you apply.

If you're only looking for buildings or contents insurance, just tell us when you get your quote.

FeaturesRedSilverGold
Buildings cover  
 
  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  
 
  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  
 
 Buildings
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  
 
  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  
 
  Covers the contents of your freezer should something go wrong.
  Covered  Covered 
Locks & keys  
 
  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 accomodation  
 
  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  
 
  This protects your bicycles within the boundaries of your home.
 Covered  Covered  Covered 
Student belongings  
 
  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  
 
  Covers damage to the personal belongings of your guests and visitors, while they are in your home.
  Covered  Covered 
Newly acquired content  
 
  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 can also include these extras in your quote:

  • 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.

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 1122
 

We're here from 8am to 8pm Monday – Friday and 9am to 4pm Saturdays.

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, Garden cover and Legal Protection, are provided by one of a number of providers, See our Terms of Business Agreement for details.