Aviva

With 325 years worth of history, over 680,000 home insurance customers in the UK alone, and having settled 88% of all home insurance claims in 2021, Aviva is a home insurance provider with an impossibly strong track record.

Types of home insurance available with Aviva

Aviva offers buildings and contents insurance separately or together as combined buildings and contents insurance. They also have a range of optional extras available, meaning you can customise your cover to suit your needs.

Aviva is a particularly good choice for those who require cover for high-end possessions, and because Aviva’s policies are fully customisable, you can always change the maximum insured for each item you choose to have covered.

Levels of cover

Aviva offers two levels of cover across its building and contents insurance policies – Online and Premium.

The table below highlights the features of both cover options. Please be aware that any additional cover you choose will increase your monthly or annual premiums.

Policy	Policy Type	Buildings maximum sum insured	Contents maximum sum insured
Aviva Online	Building	£1 million	N/A
Aviva Online	Contents	N/A	£100,000
Aviva Premium	Building	Unlimited	N/A
Aviva Premium	Contents	N/A	Unlimited

What does Aviva home insurance cover as standard?

Both of Aviva’s available cover – Online and Premium – include either contents, buildings, or combined contents and buildings cover, with the option to increase the maximum insured, as well as optional extras for full customisation of your policy.

Cover Type	Aviva Online (Buildings)	Aviva Online (Contents)	Aviva Premium (Buildings)	Aviva Premium (Contents)
Valuables	N/A	£10,000	N/A	£10,000
Single Valuables	N/A	£2,000	N/A	£2,000
Personal Money	N/A	Up to £750	N/A	Up to £750
Home Office Equipment	N/A	Up to £5,000	N/A	Up to £5,000
Contents temporarily removed from home	N/A	Up to £5,000	N/A	Up to £5,000
Garden Contents	N/A	£1,500	N/A	£1,500
Loss of rent/cost of alternative accommodation	£80,000 (or 20% of the buildings sum insured if higher)	N/A	£80,000 (or 20% of the buildings sum insured if higher)	N/A
Theft from garage or outbuilding	N/A	Up to £2,500	N/A	Up to £2,500
Garden re-landscaping	N/A	£2,500	N/A	£2,500
Replacement locks	Up to £1,000	N/A	Up to £1,000	N/A
Food in Freezer	N/A	Up to £1,000	N/A	Up to £1,000
Leaking of heating fuel and metered water	N/A	Up to £2,000	N/A	Up to £2,000
Alternative Accommodation	N/A	Up to £10,000	N/A	Up to £10,000
Fatal injury benefit	N/A	Up to £5,000	N/A	Up to £5,000
Tracing and accessing leaks	Up to £5,000	N/A	Up to £5,000	N/A
Emergency access up to buildings sum insured public liability	Up to £5 million	N/A	Up to £5 million	N/A
Household removals up to sum insured	N/A	Yes	N/A	Yes
Emergency Access up to sum insured	Yes	N/A	Yes	N/A
Occupier’s and personal liability	N/A	Up to £5 million	N/A	Up to £5 million
Employers liability	N/A	Up to £10 million	N/A	Up to £10 million
Tenants liability	N/A	Up to £15,000	N/A	Up to £15,000
Contents accidental damage				Included
Contents matching items for loss or damage				Included
Buildings accidental damage			Included

Optional extras

Optional extras, also known as add-ons, can be bolted on to the home insurance policy you choose. Although optional extras will increase the cost of your premiums, it will extend your overall cover.

Protected no-claim discount

If you haven’t made a claim on your home insurance for five or more years, you can use this optional extra to protect the no-claims discount on your policy.

Legal services cover

This will provide cover up to £100,000 of legal costs per claim for your or any family living with you. Includes access to a 24/7 helpline.

Extra personal belongings cover (worldwide)

Provides cover for personal items up to £2,000 for any one item (you can take out extra cover for anything that costs more). Additonal cover of £750 for cash, up to £1,000 for credit cards, and £1,500 for belongings stolen from a vehicle.

Home emergency cover

Allows up to £1,000 in repair costs with no extra to pay. Also includes up to £1,000 in alternative accommodation costs if there’s an emergency in your home and you need to vacate the property (e.g., pest infestation).

Pedal Cycle cover

Pedal cycles are automatically covered as part of your contents cover when they are kept inside your property. However, if you want to cover your cycles away from home, you will need to add Pedal Cycle cover to your policy.

Defaqto rating

Both Aviva’s Online and Premium policies have been awarded a five star rating by Defaqto*.

Excess and no-claims discount

Excess

Standard excess with Aviva is £200, but you can select different excesses for both buildings and contents insurance by customising your policy. The minimum is £100.

For subsidence claims, the standard excess is £1,000. However, this amount can change depending on the history of your property/where your property is located.

No-claims discount

Aviva offers a no-claims discount as standard, as well as the optional extra mentioned above to protect your discount.