Contents insurance

Under our Aviva Signature contents insurance we will automatically provide cover for loss of or damage to laptops caused by any of these events whilst in the home:

• Fire, explosion, lightning, earthquake and smoke damage
• Storm and flood damage
• Riot, civil commotion, strikes, labour and political disturbances
• Damage by malicious persons or vandals
• Collision by aircraft or other aerial devices, vehicles and animals (not including domestic pets)
• Theft or attempted theft from the home
• Falling radio and TV aerials
• Subsidence, heave or landslide
• Damage caused by falling trees or branches
• Escape of water
• Leakage of heating fuel 

If you'd like to cover laptops for accidental damage only when in the home or garden, you'll need to add Extra accidental damage cover. If you'd like to cover laptops when in and away from the home for accidental damage, loss or theft then you'll need to add Personal Belongings instead.

For cover limits, exclusions and further information please see our overview of benefits.

We provide £10,000 of cover for valuables in the home as standard. We consider valuables to be items such as:

• Stamp, coin or medal collections
• Pictures and other works of art
• Items of gold, silver or any other precious metal
• Jewellery and watches

As standard, we'll pay up to £2,500 for a single item. If you have any individual items which are worth more than £2,500 these will need to be specified. If you'd like to increase the cover for valuables beyond the standard £10,000, you may do so for an additional fee.

If you're a new customer you can specify items under the "Personal items" section on the "Your quote" page.

If you have an existing policy and you need to specify any items, please contact us.

Under our Aviva Signature contents insurance we will automatically provide cover for loss of or damage to mobile phones caused by any of these events whilst in the home:

• Fire, explosion, lightning, earthquake and smoke damage
• Storm and flood damage
• Riot, civil commotion, strikes, labour and political disturbances
• Damage by malicious persons or vandals
• Collision by aircraft or other aerial devices, vehicles and animals (not including domestic pets)
• Theft or attempted theft from the home
• Falling radio and TV aerials
• Subsidence, heave or landslide
• Damage caused by falling trees or branches
• Escape of water
• Leakage of heating fuel 

If you'd like to cover mobile phones for accidental damage only when in the home or garden, you'll need to add Extra accidental damage cover. If you'd like to cover mobile phones when in and away from the home for accidental damage, loss or theft then you'll need to add Personal Belongings instead.

For cover limits, exclusions and further information please see our overview of benefits.

Pedal cycles are automatically covered as part of your contents cover when they are kept inside your property, and when in your garden if locked to something secure. Some limits and exclusions apply - please see below for details of where to find these.

If you want to cover your cycles away from home including worldwide cover, you'll need to add Pedal Cycle cover to your policy.

New customers
You can cover cycles from £300 to £5,000 online. Visit here for a quote or if you've already received a quote and would like to add this, go here.

Existing customers
You can add Pedal Cycle cover to your policy using MyAviva. Once logged in follow the below steps:

• Select 'Your policies' button at the top
• Then select 'Details'
• Choose 'Amend my policy'
• Under 'Contents cover' and then 'Personal belongings - covered in and away from the home' enter the value of your most expensive bike next to 'Cover for your cycle(s)'.

For new and existing customers, you can see the cover limits here. See our policy booklet for details for the cover and exclusions.

You can specify up to £50,000 worth of personal belongings (items you take out of the house) online, and up to £20,000 worth of valuables (items that stay in your home).

If you wish to specify items which in total will equal more than the amounts above please contact us.

Cover is provided on a new for old basis (except for mobile phones, where we reserve the right to replace a lost or stolen phone with a refurbished model). We may choose to settle by one of the following methods:

• Replacing with new items
• Reinstating (restoring your insured items to the condition they were in before the loss; for example, by professionally cleaning soiled carpets)
• Repairing
• Payment, so that you can choose your own replacements

Personal Belongings cover is cover for your personal items (e.g. mobile phone, laptop, jewellery, camera equipment) for accidental damage, loss or theft. You are covered in and away from the home, anywhere in the world. Any personal item worth more than £2,500 will need to be specified on your policy.

You can add Personal Belongings cover to your quote in the "Your quote" page.

If you're a new customer, for cover limits and exclusions please see our Policy Booklet and for further information please see our Overview of benefits.

If you're an existing customer, for cover limits and exclusions please refer to the documents section of MyAviva on the policy you wish to view.

Buildings insurance covers you for the structure of your home – everything from the floors to the walls, pipes and roof. Whereas contents insurance covers the things you keep inside your home and garden, things like furniture, valuables and garden tools. 

A home insurance policy packages these two products together in one neat, tidy bundle. You’ll usually pay one single premium, rather than two for each policy, making it easier to manage.