General exclusions

What’s not covered by our home insurance

Here is what isn’t covered by our home insurance policies. We recommend that before you buy one of our home insurance policies you read through the home insurance policy wording (PDF 1.44MB) in full to make sure it’s exactly what you want.

Our policies don’t cover:

  1. War
    • any consequence whatsoever which is the direct or indirect result of any of the following, or anything connected with any of the following, whether or not such consequence has been contributed to by any other cause or event: war, invasion, act of foreign enemy, hostilities or a warlike operation or operations (whether war be declared or not), civil war, mutiny, rebellion, revolution, military rising, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power.
  2. Terrorism
    • any consequence whatsoever which is directly or indirectly caused by nuclear and/or chemical and/or biological and/or radiological means, or anything connected with those means, and which is the direct or indirect result of Terrorism, or anything connected with Terrorism, whether or not such consequence has been contributed to by any other cause or event. Terrorism is defined as any act or acts including, but not limited to:
      • the use or threat of force and/or violence and/or
      • harm or damage to life or to property (or the threat of such harm or damage) including, but not limited to, harm or damage by nuclear and/or chemical and/or biological and /or radiological means caused or occasioned by any person(s) or group(s) of persons in whole or in part for political, religious, ideological or similar purposes including, but not limited to, the intention to influence any government and/or to put the public or any section of the public in fear, or is claimed to be caused or occasioned in whole or in part for such purposes.
      This Terrorism exclusion applies only in respect of the buildings, accidental damage cover to buildings, contents, accidental damage cover to contents in the home and personal belongings sections of your Aviva Home insurance policy.
  3. Other Actions
    • any consequence whatsoever which is the direct or indirect result of any of the following, or anything connected with any of the following, whether or not such consequence has been contributed to by any other cause or event:
      • any action taken in controlling, preventing, suppressing or in any way relating to 1) War or 2) Terrorism above.
  4. Radioactivity
    • loss, damage or liability which involves:
      • ionising radiation or radioactive contamination from nuclear fuel or nuclear waste
      • the radioactive, toxic, explosive or other dangerous properties of explosive nuclear equipment
  5. Sonic Bangs
    • loss of or damage to property caused by pressure waves from aircraft travelling at or above the speed of sound.
  6. Pollution or Contamination
    • loss, damage or liability arising from pollution or contamination unless caused by:
      • a sudden and unexpected accident which can be identified;
      • oil leaking from a domestic oil installation at the home.
  7. Deliberate or Criminal Acts
    • loss, damage or liability arising from pollution or contamination unless caused by:
      • deliberately caused by; or
      • you or any other person living with you.
  8. Events before the cover start date
    • loss, damage, injury or liability which occurred before the cover under this policy started.

We have also listed some of the benefits of your Aviva Home Insurance policy which are explained here.

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