Aviva Home Insurance

Learn more about Aviva Home Insurance

Last reviewed 30 June 2022

Why choose Aviva Home Insurance?

  • Unlimited cover for your home and its contents
  • Online management of your policy, allowing for free changes to details such as a new named driver, via MyAviva app
  • Uses a faster payments system that means more than 3,000 more customers get their settlement immediately

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Who is Aviva Home Insurance?

Aviva began life as the Hand in Hand Fire & Life Insurance Society in London back in 1696. After several changes, it formally became known as Aviva in 2002. This followed the merger of previous incarnation Norwich Union and CGU plc. The company’s focus remains on insurance, notably home, motor, life, travel, health and pet cover, as well as investment and retirement products.

With more than 15.5 million customers served by 16,000 UK based staff the company states its purpose is to be “with you today, for a better tomorrow”. Aviva’s approach has reaped dividends, with the firm being named General Insurer of the Year at the 2021 Insurance Times awards ceremony.

Further evidence of the insurer’s commitment to its customers is indicated by the 5 star-rating independent financial analyst Defaqto has given Aviva’s home insurance policies, The rating is based purely on policy quality.

Aviva Home Insurance policy details

Aviva offers both buildings and contents insurance, which can be bought separately or together, depending on your circumstances. Here’s a breakdown of the main features provided by the two types of cover.

Aviva buildings insurance benefits

The following benefits are offered as standard with an Aviva buildings insurance policy:

  • Damage or destruction: If your home is destroyed or seriously damaged the full rebuild costs will be covered by Aviva. There is no limited on the sum insured.
  • Loss of rent for alternative accommodation: The insurer will cover the cost of a reasonable, temporary alternative place to stay. This provision will also cover any ground rent you need to pay or a loss of rent if you’re a landlord.
  • Trace and access: You’re covered to a maximum of £5,000 for damage caused to your home by a water leak. This includes excavation costs and those incurred through making good after the leak’s been fixed.
  • Replacement locks: If your external door keys, or alarms or safe keys are lost or stolen, Aviva will pay up to £1,000 for replacement locks and keys.
  • Emergency access: You’re protected against damage to your home or garden caused by someone accessing the property to deal with a medical emergency or to cause damage. The amount of cover is up to the value of the property.
  • Public liability: Aviva will pay up to £5,000,000 in legal costs for you to defend yourself against a claim from another person. This type of insurance protects against accidents and incidents that occur on your property, such as a guest or tradesman injuring themselves.

 

Aviva contents insurance benefits

The following key benefits are offered as standard with an Aviva contents insurance policy:

  • Loss or damage: You have unlimited cover for loss or damage to your personal belongings if the cause is fire, storm or flood, vandalism or malicious acts. Other causes of damage that are covered include vehicle collision, water, heating fuel, theft, subsidence and falling trees.
  • Loss of rent and cost of alternative accommodation: You can claim for either of these if your home can’t be occupied because of damage to contents caused by one the caused listed above.
  • Valuables: The insurer will pay up to £10,000 as standard if valuables such as jewellery or art works are lost or damaged. The limit can be raised for an additional premium.
  • Contents removed from the home: If you’re working away or studying at university, essentials will be covered to a maximum of £5,000.
  • Home office equipment: Your home office equipment is covered to the tune of £5,000.
  • Garden contents cover: Aviva will pay up to £1,500 for damage or loss to portable items that are kept in your garden, such as furniture and ornaments.
  • Garden landscaping: The insurer will pay up to £2,500 in landscaping costs to rectify the loss of trees and plants in your garden. There’s a £250 limit on each item.
  • Garages and outbuildings: You can claim up to £2,500 for losses to contents stored in your garage. The same limit applies to items in outbuildings.
  • Replacement locks: Aviva will pay up to £1,000 for any replacement locks and access keys.
  • Freezer cover: You can claim up to £1,000 for food that’s spoiled by a mechanical accident.
  • Emergency access: You’re fully covered if a medical or police emergency requires access to your home that results in damage

Aviva Home Insurance optional extras

Aside from the standard policy features, you can add certain benefits to your Aviva insurance policy. For buildings cover these are:

Accidental damage: This offers extra protection against accidental damage to your possessions. There are 2 levels of cover: extra and limited.

Protected No Claims Discount: This allows you to make up to 2 claims in 5 years without losing your NCD.

Legal services: With this option you’ll have 24-hour access to legal advice for a range of issues including employment and property disputes.

Home emergency: This addition protects you from unexpected events such as your heating breaking down. It covers labour, parts and materials.

You can select any of the additional extras listed above, plus the following:

Extra personal belongings: This option offers more comprehensive cover for your belongings when your at home, away in the UK or abroad.

Pedal cycle cover: With this protection your family’s bikes are covered from loss, theft or damage anywhere in the world.

Aviva Home Insurance contact details

If you want to contact Aviva you can write to the insurer’s head office at:

Aviva plc
St Helen’s
1 Undershaft
London
EC3P 3DQ

However, it may be quicker and easier to reach Aviva via the MyAviva app if you’re an existing customer. Alternatively, use Chatbot or visit the help and support ‘contact us’ page at Aviva.co.uk and complete the relevant online enquiry form.

You can also call 0800 056 0890 for Home insurance customer service Monday to Friday from 8.00am to 6.00pm. Lines are also open on Saturdays between 9.00am and 3.00pm, on Sundays 10:00am to 2:00pm or on bank holidays 10:00am to 4:00pm.

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