@RachRach1
I don't think so, because the insurance isn't really a Sky product: it's a Zurich policy with licenced Sky branding.
https://www.zurich.co.uk/news-and-insight/introducing-sky-protect-smart-home-insurance
I'll ask elsewhere if Sky intends to extend VIP to customers with only 'Protect', but I suspect it's unlikely.
* * * * * * *
Sky Glass 55" (on ethernet) & two Stream Pucks (one ethernet / one WiFi)
BT Halo 3+ Ultrafast FTTP (500Mbs), BT Smart Hub 2
