Overview of benefits

We offer both buildings insurance and contents insurance. In addition to our standard cover, we provide optional policy features which you can add to your policy for an additional cost. This way you can tailor the cover to suit your particular needs and budget.

The information below outlines the main features of our home insurance policy so you can compare at a glance our standard cover limits and our optional policy features. Full details can be found in the home insurance policy wording (PDF 1.44MB).

If you need more than our standard sum(s) insured you will be asked to provide an estimate of your buildings rebuilding cost and/or the value of your contents when you apply for a quote.

Standard policy features

Fire, theft, flood etc

Contents Buildings Standard limit Increased limit available
Included as standard Included as standard Not available for this level of cover Not available for this level of cover

The policy provides cover as standard for damage to your property from the following eventualities:

  • 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

Home contents — with “new for old” replacement

Contents Buildings Standard limit Increased limit available
Included as standard Not available for this level of cover Not available for this level of cover Up to £150,000

Aviva can provide home contents cover for sums between £15,000 and £150,000 (depending on your property and postcode — call us on freephone 0800 068 5984 if you would like more details, calls may be recorded and/or monitored).

Online we offer up to £50,000 cover as standard for most of our customers, this sum can be increased if needed.

Cover is provided on a “new for old” basis (excluding clothing and linen), which means that for claims which are covered under the policy terms and conditions, 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, or
  • Payment — so that you can choose your own replacements

Valuables with a single article limit

Contents Buildings Standard limit Increased limit available
Included as standard Not available for this level of cover £2,000 Not available for this level of cover

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

  • Stamp, coin or medal collections, pictures, other works of art, items of gold, silver or any other precious metal, jewellery, watches and furs.
  • As standard, we’ll pay up to £2,000 for a single item. If you have any jewellery or watches which are worth more than £2,000 these will need to be specified at MyAviva. Any other items worth over £2,000 please call us on 0800 068 5984. (calls may be recorded and/or monitored).

Business equipment

Contents Buildings Standard limit Increased limit available
Included as standard Not available for this level of cover £5,000 Not available for this level of cover

We will provide cover for loss or damage by the causes listed under contents in the home and accidental damage to office furniture and office equipment, including computers, printers, typewriters, fax machines, photocopiers and answerphones all used for business or professional purposes, up to the limit shown on your schedule.

Note: Accidental damage to laptops, mobile phones, and other computer equipment designed to be portable are not covered under this section. If you require accidental damage cover on any of these items please call us on 0800 092 3973 (calls may be recorded and/or monitored).

Personal money

Contents Buildings Standard limit Increased limit available
Included as standard Not available for this level of cover £750 Not available for this level of cover

We cover cash in your home up to a value of £750. For insurance purposes, we would also class the following as cash, and pay out in the event of loss or damage:

  • Travel tickets
  • Gift vouchers
  • Season tickets
  • Phone cards

Contents in garage/outbuildings

Contents Buildings Standard limit Increased limit available
Included as standard Not available for this level of cover £2,500 Not available for this level of cover

Our contents insurance provides cover of up to £2,500 for the contents of your garage or any outbuildings on your property.

This cover applies to theft claims only; we pay up to the sum insured for any other types of claims eg fire.

Contents in the garden

Contents Buildings Standard limit Increased limit available
Included as standard Not available for this level of cover £500 £1,500

This feature provides cover up to a standard limit of £500 for contents in the garden, such as furniture or washing left on the line, for example in the event of fire, malicious damage, collision or lightning.

Please see Aviva home insurance policy wording for full details and exclusions.

Replacement locks

Contents Buildings Standard limit Increased limit available
Included as standard Included as standard £1000 Not available for this level of cover

If your keys are lost or stolen and you believe that your home is in danger, Aviva will pay for the locks on your home to be replaced as a precautionary measure. We also cover the replacement of any keys for alarm systems as standard.

Food in the freezer

Contents Buildings Standard limit Increased limit available
Included as standard Not available for this level of cover £1000 Not available for this level of cover

Up to £1000 is provided as standard to cover the spoilage of food in the freezer due to the power being disconnected accidentally.

Loss of heating fuel or metered water

Contents Buildings Standard limit Increased limit available
Included as standard Not available for this level of cover £2,000 Not available for this level of cover

If either your water system or heating fuel tank become damaged and you accidentally lose metered water or fuel, we will pay out up to £2,000 to ensure that you’re not out of pocket.

Loss of rent/alternative accommodation

Contents Buildings Standard limit Increased limit available
£10,000 £80,000 or 20% of the buildings sum insured whichever is highest Not available for this level of cover Not available for this level of cover

If your home is rendered uninhabitable as a result of a claim, we’ll ensure that you and your loved ones are provided with suitable alternative accommodation until your home is ready to live in up to a total of £10,000 for contents insurance and for buildings insurance up to £80,000 or 20% of your buildings sum insured whichever is the highest.

Household removals

Contents Buildings Standard limit Increased limit available
Included as standard Not available for this level of cover Up to your contents sum insured Not available for this level of cover

Moving house can be a stressful business, but we ensure that the process is as painless as possible by providing cover for your possessions. This feature of our home insurance policy includes:

Cover for your contents while being moved by professional removers from your existing home to your new permanent home (including temporary storage in a furniture depository for up to seven days).

Please note that this cover only applies if your existing home is insured with us and the incident occurs during your Aviva policy period of insurance.

Limits and exclusions apply; please read the home insurance policy information document for full details.

Tracing/accessing leaks

Contents Buildings Standard limit Increased limit available
Not available for this level of cover Included as standard £5,000 Not available for this level of cover

If there’s a water leak causing damage to your home we’ll pay up to £5,000 to uncover the source of the leak and make good afterwards.

Occupiers or personal liability cover

Contents Buildings Standard limit Increased limit available
Included as standard Not available for this level of cover £2,000,000 Not available for this level of cover

Liability insurance provides cover for your legal liability to third parties. This usually applies to accidents resulting in injury to people or damage to property. This means that if you cause damage to a third party and/or their property and are held legally liable, the third party will receive financial compensation.

Occupiers liability provides cover of up to £2,000,000 to cover your responsibility as the occupier of your house. Cover is provided if:

  • Anyone is accidentally injured or falls ill, such as a tile falling off your roof and injuring someone
  • Property is accidentally lost or damaged, such as the same tile damaging a friend or neighbour’s car

Employer’s liability cover

Contents Buildings Standard limit Increased limit available
Included as standard Not available for this level of cover £10,000,000 Not available for this level of cover

Employer’s liability gives you up to £10m protection if a domestic employee, such as a gardener or cleaner, has an accident or becomes ill while working for you and you are legally responsible to pay damages.

Liability to the public

Contents Buildings Standard limit Increased limit available
Not available for this level of cover Included as standard £2,000,000 Not available for this level of cover

This gives you up to £2m protection if someone is injured, falls ill or their property is damaged at the insured building and you are legally responsible, as the owner of the property, to pay damages.

Please note that accidents which happen in buildings or on land are nearly always the responsibility of the occupier rather than the owner. If you are both the owner and the occupier of the building, to protect yourself you will also need to arrange contents insurance which provides occupier’s liability cover.

Access to legal and tax helpline

Contents Buildings Standard limit Increased limit available
Included as standard Included as standard    

Our 24 hour legal helpline gives you access to legal professionals who can offer confidential advice on any personal legal matter, for example, consumer, property or neighbour disputes or relating to your terms of employment. The helpline also offers advice on any personal tax matters for example, tax relief and allowances, capital gains, inheritance tax. Advice is limited to the laws and practices of England and Wales, Scotland, Northern Ireland, the Channel Islands and the Isle of Man.

Optional policy features

Along with our standard covers we offer some optional policy features so you can choose the right cover for your particular needs.

Accidental damage cover

Contents Buildings
Optional cover which can be added to your policy for an additional cost Optional cover which can be added to your policy for an additional cost

There are two level of accidental damage cover available:

Limited

For buildings this covers accidental damage to any fixed glass, sanitary fittings or service pipes and cables. For example, accidentally breaking your hand basin.

For contents this covers accidental damage to non-portable home entertainment equipment mirrors and glass in furniture. For example, if you accidentally drop your TV while moving it to decorate.

Extra

For buildings this extends the limited cover outlined above to cover accidental damage to the rest of the building. For example, putting your foot through the ceiling while in the loft.

For contents this extends the limited cover outlined above to cover accidental damage to most contents (clothing, contact lenses, stamps, food in freezers and pedal cycles are not included). For example, spilling a glass of red wine on your carpet or sofa.

Protected no claims discount

Contents Buildings
Optional cover which can be added to your policy for an additional cost Optional cover which can be added to your policy for an additional cost

Aviva is unusual amongst home insurers in that we not only reward you for not claiming on your home insurance policy, we also provide the option to protect your no claims discount as you would with your car insurance.

Personal belongings cover (in and away from home)

Contents Buildings
Optional cover which can be added to your policy for an additional cost Not available for this level of cover

Additional personal belongings cover insures your personal effects while in and away from your home. This cover is provided both in the UK and anywhere else in the world. We'll cover you for:

  • Clothing and personal effects up to your chosen limit. This can range between £2,000 and £6,000 for online quotes. If you require cover for higher sums of up to £10,000 please call us on 0800 068 5984 and speak to one of our specialist advisers (calls may be recorded and/or monitored)
  • As standard, we’ll pay up to £2,000 for a single item. If you have any jewellery or watches which are worth more than £2,000 these will need to be specified at MyAviva. Any other items worth over £2,000 please call us on 0800 068 5984. (calls may be recorded and/or monitored).
  • Personal money up to a value of £750
  • Credit cards up to a value of £1,000

Legal services

Contents Buildings
Optional cover which can be added to your policy for an additional cost Optional cover which can be added to your policy for an additional cost

Expert legal help when you need it most.

This is an optional cover which you can add to your home insurance.

For just £25 a year we can provide you with a lawyer, should you need one, and up to £100,000 of legal funding to pursue or defend cases in court. The cover can be used by anyone in your family who lives with you and if your case is successful you will not have to pay any costs to us from your award.

You will be able to claim for the following types of dispute:

  • Employment issues like unfair dismissal or discrimination at work
  • Consumer disputes such as being sold a faulty car or poor workmanship from a tradesman
  • Personal injury such as food poisoning or being knocked off a bike
  • Medical negligence by someone responsible for your clinical care like a doctor, dentist or cosmetic practitioner
  • Property disputes such as a noisy neighbour or boundary disputes

Additional garden cover

Contents Buildings
Optional cover which can be added to your policy for an additional cost Not available for this level of cover

If you’re proud of your garden then our standard contents in the garden cover may not be sufficient. Selecting this additional upgrade increases your cover from £500 to £1,500 for contents in your garden such as garden furniture or children’s toys.

We also provide cover of up to £2,500 for re-landscaping if your garden is damaged by causes such as fire, theft or malicious damage etc.

Home emergency cover

Contents Buildings
Optional cover which can be added to your policy for an additional cost Optional cover which can be added to your policy for an additional cost

For just £63 per year, Aviva home emergency cover provides you with expert help with emergencies at your property.

  • What are the benefits?
    • Up to £1000 for labour, parts and materials
    • Hotel accommodation costs up to £1000 if your home is uninhabitable
    • No excess to pay
  • What's covered?
    • Loss of essential services
    • Roof damage following a storm
    • Plumbing emergencies
    • Electrical emergency and breakdown
    • Lost keys or damage to locks, doors and windows
    • Pest infestation of rats, mice, wasps or hornets
  • Home emergency cover isn't a service and maintenance product and doesn’t cover repairs which are due to wear and tear ( e.g. dripping taps).
  • It doesn’t cover breakdown of electric showers or domestic appliances like washing machines and doesn’t cover emergencies you were already aware of when you bought cover.

Pedal cycles cover

Contents Buildings
Optional cover which can be added to your policy for an additional cost Not available for this level of cover

Cycles are covered under our standard contents policy within your shed, garage or home (but not your garden).

If you wish to cover your pedal cycle(s) away from home we offer a pedal cycles option which covers each of your family’s cycles up to your chosen limit (between £300 and £2500 for online quotes and up to £3500 via our call centre). Cycles are covered while anywhere in the world.

There are also General Exclusions that apply to the whole of your Aviva Home Insurance policy.

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