This is a specialist page for Virgin home insurance. Disclaimer The following details are not an endorsment of Virgin home insurance; we encourage you to shop around before you choose your home insurance provider.

0% for monthly payments.

Some insurance companies whack on an extra charge if you decide to pay monthly. Virgin let you break up your payments into bite-size monthly morsels at no extra cost.
So you pay the same whether you decide to pay monthly or yearly. Monthly payments subject to status.

If you've got Virgin's car insurance, pet insurance or annual travel insurance they'll knock an extra 10% off your home insurance. When you apply, online or by phone, just let us know. The quote Virgin give you will automatically include your discount.

You can choose buildings insurance, contents insurance, or both.

Buildings insurance
As well as covering the structure of your home and fixtures and fittings, Virgin buildings insurance also covers the cost of things like architects, surveyors and builders if you have to rebuild your home. It also covers your liability as property owner up to a limit of £2,000,000.

Contents insurance
This covers pretty much everything from sofas to satellite dishes, wardrobes to washing machines – all the things you’d pack up and take with you if you moved.

What's covered? How much cover?

• Valuables up to £1,500 for a single item or collection
  
• The things in your garden up to £500
  
• Replacement locks if your keys are stolen up to £500
  
• The cost of new title deeds if they’re damaged while they’re in your home or bank up to £250
  
• Freezer contents up to £500
  
• Money while it’s in the house up to £300
  
• 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
  
• 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

They’ll also increase your cover by 10% over Christmas and if someone in your family gets married they’ll up the cover by the same amount for 4 weeks both before and after the big day. At no extra cost.

WHAT ARE YOUR BUILDINGS AND CONTENTS COVERED AGAINST?
All sorts of nasties, like:

• 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.
  

OPTIONAL EXTRAS
You’d be surprised how little they cost, but the benefits are plain to see.

• Accidental Damage – you can add this to your buildings, contents or both.
  
• Personal Possessions – this covers personal stuff when it’s outside your home, things like your camera, jewellery and mobile phone.
  
• Family Legal Protection – gives you access to a team of legal experts. If you have a case for a claim, we’ll pay up to £50,000 of your costs.
  
• And if you cycle, your bike is covered when it’s in your house and garden. But if you’d like to cover it when you’re out and about on it, you can call us for a quote on 0800 051 0595.

Remember, some limits and exclusions apply

Not sure if you need them? Check them out below, then take your pick.

Accidental Damage
If you put your foot through the ceiling while you’re up in the loft digging out your Christmas decorations, having Accidental Damage as part of your buildings policy would sort it out. And if you smashed your favourite Ming vase, having Accidental Damage as part of your contents policy would see you right.

Personal Possessions
Add this to your contents cover to give you extra protection for your possessions when they’re outside your home – things like jewellery, specs, cameras and mobile phones – in Britain, or abroad for up to 60 days.

If you’ve got a new camcorder it’s covered by your contents policy while it’s in the house. But take it out for the day to film your family frolicking on the beach and you’ll need Personal Possessions cover.

The maximum Personal Possessions cover is up to £1,500 for each item. If you’ve got any items worth more than £1,500, call us for a quote.

Please note, bikes aren’t covered under this option – if you’d like us to cover your cycle outside the home, call us on 0800 051 0595.

Family Legal Protection
If you ever need to get legal advice you'll have 24 hour access to our team of experts so you can chat through any private legal issues with them in confidence. And if you have a case for a claim for something like faulty goods or services, or employment disputes, we'll pay up to £50,000 of your legal costs.

Your £50,000 legal fees could be used to claim for:

• Purchase of faulty goods Personal injury
  
• Accidents at work Breach of contract
  
• Purchase of a faulty car Property disputes
  
• Accidents in public places, e.g. restaurants Sex, race and disability discrimination
  
• Purchase of negligently performed services Boundary disputes with your neighbour
  
• Accidents while cycling or in a car Noisy neighbours
  
• A poor holiday experience Disputes over rights of way
  
• Medical or clinical negligence Damage to the home
  
• Employment disputes Contract disputes
  
• Unfair dismissal Food poisoning
  

Details correct at time of publication. . Terms and conditions can change, this web site is not responsible for the publication of current policy delails. Please check details before applying.... Disclaimer