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Dean is an award-winning personal finance writer who’s spent over 15 years helping consumers navigate the tangled and fascinating world of insurance.
In this article
We've reviewed Virgin Money's standard home insurance policy, which you must buy direct as it doesn't appear on price comparison websites.
Virgin Money has been owned by Nationwide Building Society since 2024. As well as home insurance, it also offers life insurance and travel insurance.
Please note that this article is for information purposes only and doesn't constitute advice. Please refer to the insurer's T&Cs before committing to any financial products.
This insurer isn't available on MoneySuperMarket, but you can get quotes from other insurers and compare the cheapest with our reviews.
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Virgin Money's buildings score placed it in the bottom 20% of policies we examined, while its contents score was also below average.
Policies
See how this compares with the best home insurance, or read more about how we rate home insurance.
We've reviewed Virgin Money's buildings and contents cover. Look at our table to see what it offers and what we scored it.
| Buildings - Alternative accommodation | £200,000 | |
| Buildings - Burst pipes | Included | |
| Buildings - Escape of water excess | £500 | |
| Home emergency cover limit | £1,500 | |
| Home emergency - central heating/boiler repair | £1,500 | |
| Buildings - Groundwater flooding | Not covered | 0 out of 5 |
| Subsidence excess | £1,000 | |
| Contents - Valuables unspecified single item limit | £2,500 | |
| Contents - Alternative accommodation | £20,000 | |
| Contents - Accidental damage | Optional extra with some cover included as standard | |
| Contents - Guests' belongings | £1,000 | |
| Contents - Theft of contents in the open | £1,000 | |
| Contents - Damage to contents in the open | £1,000 | |
| Contents - Theft from outbuilding | £1,000 | |
| Contents - Damage to contents in an outbuilding | £5,000 | |
| Contents - Personal possessions cover single item limit | £2,500 |
Table last updated in September 2026. Next update in September 2027. We recommend checking policies before buying.
Dean Sobers, Which? home insurance expert, says:
Generally speaking, Virgin Money’s home insurance policy didn’t do well in our analysis. Its buildings score of 67% and contents score of 62% were both below average among the 72 policies we reviewed.
However, there were elements we liked. If you add home emergency cover, it’ll provide up to £1,500 for callouts in urgent situations such as plumbing issues. With most policies, cover ranges between £500 and £1,000.
The policy also covers contents that are temporarily stored away from the home – up to a limit of £10,000.
It was let down by its excesses. For example, when it comes to replacement locks and keys, its standard compulsory excess is £250. With the majority of policies, this was £100 or less.
Unlike most policies we looked at, it also doesn’t cover personal possessions that have been stolen from a car.
Virgin includes some accidental damage cover without you having to pay extra. Its building insurance covers damage to fixed glass, underground pipes and cables, and sanitaryware; and its contents cover includes damage to non-portable audio visual equipment.
If you want the rest of your belongings to be protected against household accidents, you’ll need to pay extra.
Virgin Money is underwritten by Ageas, Allianz, Axa, Covea, and Integra. With buildings-only policies, these underwriters accepted 55-85% of claims (it varied by underwriter) – the industry average is 62%. Some 5-25% of claimants with this type of policy lodged a complaint – the average is 13%.
The underwriters accepted 65-85% of claims on contents-only policies – the average is 71%. Some 0-15% of claimants complained, while the average is 7%.
When it came to claims on combined policies, the underwriters accepted 65-85% of claims – the average is 71%. Some 5-25% of claimants complained – 12% is the industry average.
It's not as easy comparing Virgin Money home insurance quotes with those of other insurers, as it doesn't appear on comparison sites and you can only obtain its quotes over the phone or via its website.
It's still worth checking out what the competition offers through other channels, though.
You may be offered a discount if you buy your buildings and contents cover together.
Want to pay monthly? Virgin Money charges interest of 23.7% so you might be better off paying annually on an interest-free credit card.
Above information correct as of August 2026. For more ways to save money when buying insurance, see our guide.
While we didn't have enough feedback from claimants to calcualte a customer score for Virgin Money, its standard home insurance policy scored 67% for buildings cover – the same as Uinsure's standard policy – and ranks joint 29th in our standard buildings cover table.
As for contents insurance, Virgin Money's standard policy scored 62% and sits in joint 25th place among standard policies. Again, it earned the same score as Uinsure's contents cover.
The number you call if you need to make a claim depends on when you first took out your policy with Virgin Money.
If it was on or after 18 September 2024, call 0330 912 7735. For home emergencies, call 0330 912 9961.
If you first took out a policy before 18 September 2024, call 0800 197 1612. For home emergencies, call 0345 087 0046.
You can not make a claim online.
Probably not. Its policy scores are underwhelming and its claims and complaints performance are sub-par – there are probably better options to choose from.
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