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Published: 08/02/2022

Reviewed: Aviva Home Insurance

As one of the UK’s largest insurance companies, you’ve probably come across Aviva if you’re looking for a new home insurance policy. It takes a spot as one of the best home insurance providers for 2022 with several of its policies being awarded five stars in Moneyfacts’ annual home insurance review, but what makes it worthy of the accolade? Here we summarise the key components of Aviva home insurance so you can see for yourself.  

What’s included in an Aviva home insurance policy?

Aviva home insurance offers combined buildings and contents cover for your property, possessions and more, covering damage that’s been caused by certain specified events including fire, theft, flooding and subsidence. Limits include:

  • Unlimited buildings and contents cover (sum insured).
  • Cost of alternative accommodation/loss of rent if you can’t live in your home due to damage from an insured event.
  • Up to £5 million in public liability protection for injuries or property damage.
  • Up to £5,000 in trace and access cover, and up to £1,000 for replacement locks.
  • Cover for your valuables of up to £10,000, with a single article limit of £2,000.
  • Cover for home office equipment, personal money and contents temporarily removed from your home.
  • Cover for garden contents (up to £1,500) and theft from outbuildings or garages of up to £2,500.

While the above refers to a combined home insurance package, you’re also able to purchase buildings or contents insurance individually. You’ll also be able to choose between different packages with different cover limits; get a quote with Aviva for a more accurate idea of your options.

Can I add extra features?

Yes. Aviva allows you to customise your policy with a variety of optional add-ons, including legal services, home emergency, accidental damage and bicycle cover, as well as additional cover for your personal belongings (both at home and abroad) and a protected no claims discount (only an option with certain policies; refer to your policy booklet for more details).

What’s excluded?

Like most home insurance policies, there are certain things excluded from Aviva’s coverage. Typical exclusions include gradually occurring damage (such as general wear and tear), rot or frost damage, storm damage to fences, gates or hedges, general breakdowns or faults that haven’t been caused by an insurable event, deliberate damage caused by you or someone in your household, and any claims relating to faulty materials or poor workmanship.

How can I make a claim?

You can make a claim online or by calling the claims line on 0345 030 6945. You’ll be expected to have your documents to hand and will need to provide your insurance policy number, photos of the lost or damaged items (if possible), and any quotes, receipts or invoices that are relevant. If you make a claim online, Aviva aims to get back to you within two hours.

Anything else I should know about Aviva home insurance?

  • Cover is provided on a “new for old” basis.
  • You’ll have to pay a standard excess of £200, though you can tailor your excess for buildings and contents cover individually (min £100 for each). For subsidence claims, the standard excess is £1,000.
  • You can manage your policy via the MyAviva portal.
  • If you have individual items that are worth more than the £2,000 article limit, you’ll have to specify them (unless you have certain AvivaPlus policies).
  • You can cancel your policy within 14 days of purchase or renewal.
  • Your home must have five or fewer bedrooms to qualify for the standard limits on buildings and contents cover. It must also be of standard construction and not listed.

Disclaimer: This information is intended solely to provide guidance and is not financial advice. Moneyfacts will not be liable for any loss arising from your use or reliance on this information. If you are in any doubt, Moneyfacts recommends you obtain independent financial advice.

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