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Virgin Money Home Insurance

Compare Virgin Money home insurance

Compare - Latest Home Insurance Deals
ProviderBuildings Max Std CoverContents Max Std CoverFeatures:Get Quotes
Rebuild Cost£50,000

5 Star home insurance from just £99
10% of all customers buying home buildings and contents insurance with us from June 2017 to August 2017 paid £99 or less (Source: Aviva). The price you pay will depend upon individual circumstances, cover chosen and payment method selected.

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£1 million£100,000

Over 50s Home Cover - Buildings and contents insurance from £141 a year – 51% of customers who paid annually and took out a new policy between May and July 2015 paid this or even less

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Five star rated Platinum Home Insurance.
(Moneyfacts Home Insurance 2018). Choose from three levels of cover, covering some or all of: home emergency, boiler cover, family legal protection, accidental damage on both buildings and contents, personal possessions, bicycles, matching items, trace and access. Plus add optional extras. 24-hour Emergency Helpline

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UK's number 1 rated home insurance provider. We compare policies from leading providers as well as our own to find you the right cover. Prices fixed for 2 years

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Great value 'Defaqto' 5 Star rated cover. £1 million cover if you need to rebuild your home, choose up to £150,000 for your contents cover, 24-hour UK emergency helpline

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5 Star Defaqto award-winning insurer.
Pay monthly at no extra cost (0% APR Representative). Low excess of just £45 (apart from escaping water and subsidence). No hidden admin fees. 'New for old' cover. Age UK Home Insurance is administered by Ageas Retail Limited and provided by a limited panel of insurers.

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Get a quote today and you could save 15% when you buy online. (Discount includes introductory and web discount, first year premium only. Minimum Premiums apply)

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Get quotes from over 65 trusted home insurance brands in minutes. 20% of consumers could achieve a saving of £158 with (based on independent research by Consumer Intelligence during 1 October to 31 October 2016)

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*There is no total sum insured, but other limits apply including single article and total valuables limits.

** Up to 50% offer includes introductory 25% discount applied to annual home insurance premium and not to additional extras. £30 gift card applies when purchasing new combined cover.

***99% of people who had a buildings and contents quote during May 2012 received a discount of at least 15%.

♦ Not available to customers renewing their existing cover

 ****Discount applies when you buy buildings and contents together. 30% combined and 20% online discount deducted consecutively. Excludes optional covers. Minimum premiums apply. New customers only.

Is Virgin Money home insurance right for you?

Virgin Money offer home insurance with a number of benefits. The provide cover for buildings and contents, either as separate policies or a single joint buildings and contents policy.


The kind of policy that is right for you will depend on your needs and personal circumstances. Homeowners will usually need both buildings and contents insurance, with buildings cover being a requirement for most mortgages. Renters will only needs contents insurance for their personal possessions as their landlord should cover the building and furnishings such as carpets and furniture (if the property is let furnished).


Choosing a Virgin Money home insurance policy

Virgin Money offer three levels of cover: Red, Silver and Gold. Their Silver and Gold cover were awarded the Moneyfacts Star Ratings Award 2016. Alongside these standard policy options, you can also choose various types of additional cover to build a more comprehensive policy that meets your personal requirements.


Virgin Money home insurance customers can benefit from the following standard features:

  • UK-based 24/7 no fuss claims helpline (Virgin Money aim to settle all claims on the first call)
  • Automatically receive the best possible price at renewal
  • Exclusive customer benefits (including access to UK Virgin Money Lounges & Virgin Group discounts)
  • 5% discount for new customers (plus an extra 5% off and cashback deals for existing Virgin Money customers)


Virgin Money Buildings Insurance

The level of cover you receive with Virgin Money buildings insurance depends on which level of cover you choose:


Red - This options covers most essentials. Buildings are covered up to £500,000.


Silver - Increased cover including up to £1million for buildings and basic accidental damage cover.


Gold - Includes buildings up to £1.5million and cover for basic accidental damage.


Virgin Money Contents Insurance

Choose from three levels of contents cover, depending on your needs:


Red - Covers your most essential possessions up to £50,000.


Silver - Covers your possessions up to £60,000. Also offers basic accidental damage cover plus mobile devices, gadgets, frozen food, locks and keys, and more, are protected.


Gold - Contents are covered up to £150,000 plus cover for basic accidental damage. This policy ensures most possessions in your are home covered.


Optional extra cover

You can also add a number of optional extras to your policy for an additional fee.


Home Emergency Assistance

Insures you for household emergencies including issues such as gas leaks, boiler breakdowns, water leaks and more.


Garden Secure Cover

Protects essentials elements in your garden, including ponds, patios, gates, walls, fences and hedges.


Family Legal Expenses

Provides up to £100,000 for legal costs and gives you access to a 24/7 legal and tax support helpline.


Additional cover

Virgin Money customers can also ask for the following to be included in their initial 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 additional damage protection