{
 "dataset": "Australian building insurance",
 "source": "Each brand's and insurer's own Product Disclosure Statement, Key Facts Sheet, Target Market Determination and product pages (policies, cover, underwriter); APRA's list of registered general insurers (authorisation); ASIC's Australian Financial Services Licensee register on data.gov.au (licence, ABN)",
 "licence_note": "APRA authorisation is from APRA's list of registered general insurers, published under the Creative Commons Attribution 4.0 International licence (© Australian Prudential Regulation Authority). Licence fields are from ASIC's AFS Licensee dataset on data.gov.au, published under the Creative Commons Attribution 3.0 Australia licence. Policies, their cover and their underwriters are facts read from each brand's and insurer's own published documents, and every one carries the URL and the sentence it was read from. Policies change, and the document that applies to a policy is the one issued with it. This is reference data, not advice about which policy to buy.",
 "brand": {
  "slug": "virgin-money",
  "name": "Virgin Money Insurance",
  "website": "https://www.virginmoney.com.au/insurance/home-insurance",
  "kind": "brand",
  "underwriter": "Zurich Australian Insurance Limited",
  "underwriter_abn": "13000296640",
  "underwriter_afsl": "232507",
  "lloyds": false,
  "distributor": {
   "name": "Honey Insurance Pty Ltd",
   "abn": "52643672628",
   "afsl": "528244",
   "authorised_representative_no": null
  },
  "products": [
   {
    "name": "Virgin Money Household Insurance (home building)",
    "type": "home_building",
    "segment": "residential",
    "channel": "direct",
    "online_quote": true,
    "cover_basis": "sum_insured",
    "buffer_percent": null,
    "flood": "included",
    "accidental_damage": "optional",
    "levels": [],
    "eligibility": "Owner-occupiers who own and reside in the insured home, aged 18+.",
    "states": null,
    "documents": [
     {
      "title": "Household Product Disclosure Statement (October 2026)",
      "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-product-disclosure-statement-household-VMAHH-2610.pdf",
      "date": "2026-10-01"
     },
     {
      "title": "Key Facts Sheet - building",
      "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-key-facts-sheet-building-household-2610.pdf",
      "date": "2026-10-01"
     },
     {
      "title": "Target Market Determination",
      "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-target-market-determination-household-2610.pdf",
      "date": "2026-10-01"
     }
    ],
    "quotes": {
     "product": {
      "text": "The product is designed for people who want to be covered against financial loss caused by a range of incidents involving their home and/or their contents and are seeking an appropriate level of cover relevant to their personal circumstances.",
      "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-target-market-determination-household-2610.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "The product is designed for people who want to be covered against financial loss caused by a range of incidents involving their home and/or their contents and are seeking an appropriate level of cover relevant to their personal circumstances.",
       "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-target-market-determination-household-2610.pdf#page=2",
       "page": 2,
       "document_sha256": "a380970f482fedcbbb5a496b050785144a2fd5ff9c044be6be73882821c11458",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "Virgin Money Household Insurance is distributed only through: • Virgin Money Insurance’s website virginmoney.com.au/insurance • Virgin Money Insurance's contact centre by calling 1300 862 860",
      "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-target-market-determination-household-2610.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Virgin Money Household Insurance is distributed only through: • Virgin Money Insurance’s website virginmoney.com.au/insurance • Virgin Money Insurance's contact centre by calling 1300 862 860",
       "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-target-market-determination-household-2610.pdf#page=7",
       "page": 7,
       "document_sha256": "a380970f482fedcbbb5a496b050785144a2fd5ff9c044be6be73882821c11458",
       "confirmed": "2026-11-13"
      }
     },
     "cover_basis": {
      "text": "Under this policy you set the maximum level of cover and your payout is limited to that amount (Sum insured).",
      "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-key-facts-sheet-building-household-2610.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Under this policy you set the maximum level of cover and your payout is limited to that amount (Sum insured).",
       "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-key-facts-sheet-building-household-2610.pdf#page=1",
       "page": 1,
       "document_sha256": "2880736c320f46cfce20467517ab1e4a4d65dd5800b8680becfe036ef53e406d",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "Flood Yes You're not covered for loss or damage to lawns or grass, swimming pools and spas and their covers and liners, the water in swimming pools and spas, shade or sail cloth and fabric awnings.",
      "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-key-facts-sheet-building-household-2610.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Flood Yes You're not covered for loss or damage to lawns or grass, swimming pools and spas and their covers and liners, the water in swimming pools and spas, shade or sail cloth and fabric awnings.",
       "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-key-facts-sheet-building-household-2610.pdf#page=1",
       "page": 1,
       "document_sha256": "2880736c320f46cfce20467517ab1e4a4d65dd5800b8680becfe036ef53e406d",
       "confirmed": "2026-11-13"
      }
     },
     "accidental_damage": {
      "text": "Optional Optional – We cover accidental damage to some items under the optional benefit of Advanced cover.",
      "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-key-facts-sheet-building-household-2610.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Optional Optional – We cover accidental damage to some items under the optional benefit of Advanced cover.",
       "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-key-facts-sheet-building-household-2610.pdf#page=1",
       "page": 1,
       "document_sha256": "2880736c320f46cfce20467517ab1e4a4d65dd5800b8680becfe036ef53e406d",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "The product with Home Insurance Cover is designed for people who want to be covered against financial loss caused by an incident involving their home and are seeking an appropriate level of cover relevant to their personal circumstances.",
      "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-target-market-determination-household-2610.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "The product with Home Insurance Cover is designed for people who want to be covered against financial loss caused by an incident involving their home and are seeking an appropriate level of cover relevant to their personal circumstances.",
       "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-target-market-determination-household-2610.pdf#page=3",
       "page": 3,
       "document_sha256": "a380970f482fedcbbb5a496b050785144a2fd5ff9c044be6be73882821c11458",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "If your home is unoccupied for more than 60 days and suffers loss or damage from an insured event, then you need to pay a $1,500 excess for each claim you make.",
      "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-product-disclosure-statement-household-VMAHH-2610.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "If your home is unoccupied for more than 60 days and suffers loss or damage from an insured event, then you need to pay a $1,500 excess for each claim you make.",
       "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-product-disclosure-statement-household-VMAHH-2610.pdf#page=99",
       "page": 99,
       "document_sha256": "238c309b9a485eaf3b12be78a93b58e86807b6e69ce1e4e56a254c89ae34e723",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Accidental damage is the optional 'Advanced cover' benefit (also covers motor burnout); it does not apply to a home that is rented out.",
     "Honey Insurance Pty Ltd administers the policy on behalf of the insurer, Zurich Australian Insurance Limited."
    ],
    "unoccupied": {
     "days": 60,
     "effect": "extra_excess",
     "excess": 1500,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": true,
     "conditions": "Also counts as unoccupied if someone stays less than one night a week on average during the 60 days.",
     "then": null,
     "label": "Extra $1,500 excess after 60 days"
    },
    "id": "household-insurance-home-building",
    "type_label": "Home building",
    "issuers": [
     {
      "name": "Zurich Australian Insurance Limited",
      "abn": "13000296640",
      "afsl": "232507",
      "lloyds": false,
      "slug": "zurich-australian-insurance",
      "apra": {
       "status": "authorised",
       "name": "Zurich Australian Insurance Limited",
       "source": {
        "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
        "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
       }
      },
      "licence": {
       "afsl": "232507",
       "name": "ZURICH AUSTRALIAN INSURANCE LIMITED",
       "abn": "13000296640",
       "acn": null,
       "licensed_since": "2004-01-31",
       "locality": "North Sydney NSW 2060",
       "source": {
        "dataset": "ASIC AFS Licensee dataset",
        "url": "https://data.gov.au/data/dataset/asic-afs-licensee",
        "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv",
        "last_modified": "2026-11-11T20:51:07.739275",
        "licence": "Creative Commons Attribution 3.0 Australia"
       },
       "general_insurance": true,
       "disagreements": []
      }
     }
    ]
   },
   {
    "name": "Virgin Money Landlord Insurance (building)",
    "type": "landlord",
    "segment": "residential",
    "channel": "direct",
    "online_quote": true,
    "cover_basis": "sum_insured",
    "buffer_percent": null,
    "flood": "included",
    "accidental_damage": null,
    "levels": [],
    "eligibility": "Owners of a residential rental property.",
    "states": null,
    "documents": [
     {
      "title": "Landlord Product Disclosure Statement (October 2026)",
      "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-product-disclosure-statement-landlord-VMALL-2610.pdf",
      "date": "2026-10-01"
     },
     {
      "title": "Key Facts Sheet - building",
      "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-key-facts-sheet-building-landlord-2610.pdf",
      "date": "2026-10-01"
     },
     {
      "title": "Target Market Determination",
      "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-target-market-determination-landlord-2610.pdf",
      "date": "2026-10-01"
     }
    ],
    "quotes": {
     "product": {
      "text": "The product is designed for people who own a residential rental property and want to be covered against financial loss caused by a range of incidents involving their rental property and/or their contents (including certain risks associated with having a tenant) and are seeking an appropriate level of cover relevant to their circumstances as a landlord.",
      "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-target-market-determination-landlord-2610.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "The product is designed for people who own a residential rental property and want to be covered against financial loss caused by a range of incidents involving their rental property and/or their contents (including certain risks associated with having a tenant) and are seeking an appropriate level of cover relevant to their circumstances as a landlord.",
       "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-target-market-determination-landlord-2610.pdf#page=2",
       "page": 2,
       "document_sha256": "7c762f7550353e8a68cdc70f8d53096fc0131650581ce4b3954e1e9f46700ba9",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "Virgin Money Landlord Insurance is distributed only through: • Virgin Money Insurance’s website virginmoney.com.au/insurance • Virgin Money Insurance's contact centre by calling 1300 862 860",
      "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-target-market-determination-landlord-2610.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Virgin Money Landlord Insurance is distributed only through: • Virgin Money Insurance’s website virginmoney.com.au/insurance • Virgin Money Insurance's contact centre by calling 1300 862 860",
       "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-target-market-determination-landlord-2610.pdf#page=7",
       "page": 7,
       "document_sha256": "7c762f7550353e8a68cdc70f8d53096fc0131650581ce4b3954e1e9f46700ba9",
       "confirmed": "2026-11-13"
      }
     },
     "cover_basis": {
      "text": "Under this policy you set the maximum level of cover and your payout is limited to that amount (Sum insured).",
      "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-key-facts-sheet-building-landlord-2610.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Under this policy you set the maximum level of cover and your payout is limited to that amount (Sum insured).",
       "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-key-facts-sheet-building-landlord-2610.pdf#page=1",
       "page": 1,
       "document_sha256": "c1370878a269312e4ec06e562ff80e20b2da077c8b62937f2f5c6e452df9b3c9",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "Flood Yes You're not covered for loss or damage to lawns or grass, swimming pools and spas and their covers and liners, the water in swimming pools and spas, shade or sail cloth and fabric awnings.",
      "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-key-facts-sheet-building-landlord-2610.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Flood Yes You're not covered for loss or damage to lawns or grass, swimming pools and spas and their covers and liners, the water in swimming pools and spas, shade or sail cloth and fabric awnings.",
       "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-key-facts-sheet-building-landlord-2610.pdf#page=1",
       "page": 1,
       "document_sha256": "c1370878a269312e4ec06e562ff80e20b2da077c8b62937f2f5c6e452df9b3c9",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "The product is designed for people who own a residential rental property and want to be covered against financial loss caused by a range of incidents involving their rental property and/or their contents (including certain risks associated with having a tenant) and are seeking an appropriate level of cover relevant to their circumstances as a landlord.",
      "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-target-market-determination-landlord-2610.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "The product is designed for people who own a residential rental property and want to be covered against financial loss caused by a range of incidents involving their rental property and/or their contents (including certain risks associated with having a tenant) and are seeking an appropriate level of cover relevant to their circumstances as a landlord.",
       "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-target-market-determination-landlord-2610.pdf#page=2",
       "page": 2,
       "document_sha256": "7c762f7550353e8a68cdc70f8d53096fc0131650581ce4b3954e1e9f46700ba9",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "If your rental property is unoccupied for more than 60 days and suffers loss or damage from an insured event, then you need to pay a $1,500 excess for each claim you make.",
      "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-product-disclosure-statement-landlord-VMALL-2610.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "If your rental property is unoccupied for more than 60 days and suffers loss or damage from an insured event, then you need to pay a $1,500 excess for each claim you make.",
       "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-product-disclosure-statement-landlord-VMALL-2610.pdf#page=75",
       "page": 75,
       "document_sha256": "4b5b06d348e4eb5e054a0783852d198f084dc62fdb74e2920757780e3511bee1",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Landlord building cover includes accidental damage, malicious damage or theft by a tenant as an included benefit; accidental damage by others is not stated as covered or optional in the Key Facts Sheet."
    ],
    "unoccupied": {
     "days": 60,
     "effect": "extra_excess",
     "excess": 1500,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": true,
     "conditions": "Also counts as unoccupied if someone stays less than one night a week on average during the 60 days.",
     "then": null,
     "label": "Extra $1,500 excess after 60 days"
    },
    "id": "landlord-insurance-building",
    "type_label": "Landlord",
    "issuers": [
     {
      "name": "Zurich Australian Insurance Limited",
      "abn": "13000296640",
      "afsl": "232507",
      "lloyds": false,
      "slug": "zurich-australian-insurance",
      "apra": {
       "status": "authorised",
       "name": "Zurich Australian Insurance Limited",
       "source": {
        "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
        "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
       }
      },
      "licence": {
       "afsl": "232507",
       "name": "ZURICH AUSTRALIAN INSURANCE LIMITED",
       "abn": "13000296640",
       "acn": null,
       "licensed_since": "2004-01-31",
       "locality": "North Sydney NSW 2060",
       "source": {
        "dataset": "ASIC AFS Licensee dataset",
        "url": "https://data.gov.au/data/dataset/asic-afs-licensee",
        "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv",
        "last_modified": "2026-11-11T20:51:07.739275",
        "licence": "Creative Commons Attribution 3.0 Australia"
       },
       "general_insurance": true,
       "disagreements": []
      }
     }
    ]
   }
  ],
  "quotes": {
   "underwriter": {
    "text": "The insurer is Zurich Australian Insurance Limited ABN 13 000 296 640 (\"ZAIL\", \"we\", \"us\", \"our\", or \"insurer\"), AFSL 232507.",
    "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-product-disclosure-statement-household-VMAHH-2610.pdf",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "The insurer is Zurich Australian Insurance Limited ABN 13 000 296 640 (\"ZAIL\", \"we\", \"us\", \"our\", or \"insurer\"), AFSL 232507.",
     "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-product-disclosure-statement-household-VMAHH-2610.pdf#page=2",
     "page": 2,
     "document_sha256": "238c309b9a485eaf3b12be78a93b58e86807b6e69ce1e4e56a254c89ae34e723",
     "confirmed": "2026-11-13"
    }
   },
   "distributor": {
    "text": "Insurance administered by Honey Insurance Pty Ltd (ABN 52 643 672 628, AFSL 528244) on behalf of the product issuer, Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507).",
    "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-product-disclosure-statement-household-VMAHH-2610.pdf",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "Insurance administered by Honey Insurance Pty Ltd (ABN 52 643 672 628, AFSL 528244) on behalf of the product issuer, Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507).",
     "url": "https://www.insurance.virginmoney.com.au/documents/virginmoney-insurance-product-disclosure-statement-household-VMAHH-2610.pdf#page=14",
     "page": 14,
     "document_sha256": "238c309b9a485eaf3b12be78a93b58e86807b6e69ce1e4e56a254c89ae34e723",
     "confirmed": "2026-11-13"
    }
   }
  },
  "curation_notes": "Virgin Money home insurance is no longer an Auto & General product: the October 2026 PDS says it is issued by Zurich Australian Insurance Limited and administered by Honey Insurance Pty Ltd; Virgin Money Australia (a division of Bank of Queensland Limited) does not issue or guarantee it. Auto & General still lists legacy Virgin Money home documents for existing policies. Same product as Honey with Virgin Money branding.",
  "segments": [
   "residential"
  ],
  "issuers": [
   {
    "name": "Zurich Australian Insurance Limited",
    "abn": "13000296640",
    "afsl": "232507",
    "lloyds": false,
    "slug": "zurich-australian-insurance",
    "apra": {
     "status": "authorised",
     "name": "Zurich Australian Insurance Limited",
     "source": {
      "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
      "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
     }
    },
    "licence": {
     "afsl": "232507",
     "name": "ZURICH AUSTRALIAN INSURANCE LIMITED",
     "abn": "13000296640",
     "acn": null,
     "licensed_since": "2004-01-31",
     "locality": "North Sydney NSW 2060",
     "source": {
      "dataset": "ASIC AFS Licensee dataset",
      "url": "https://data.gov.au/data/dataset/asic-afs-licensee",
      "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv",
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 }
}