Media Centre

Useful information about various Aviva products and policies:

Bikes and bike theft

For UK customers only

Cover	Aviva	Home Plus and Your House (available only through brokers)
Standard or optional	Optional pedal cycles add-on to standard policy	Optional under the personal belongings add-on
Limits	Min £300 max £1500Cover is for unlimited number of bikes up to value of most expensive bike	Your House - £500Home Plus - Cover is for unlimited number of bikes up to value of most expensive bike
Cover	Accidental damage and theft/loss Cover in UK and worldwide	Accidental damage and theft/loss
Cover for bikes within the home	Covered under the standard contents sections for items in outbuildings, sheds and items 'temporarily removed'	Covered under the standard contents sections for items in outbuildings, sheds and items 'temporarily removed'
Personal liability for accidents caused while cycling	£2m provided under the personal/occupiers' liability section of the standard contents policy	£2m provided under the personal/occupiers' liability section of the standard contents policy
Exclusions (among other more general exclusions)	Excluded from 'contents in the open' Theft while away from the home unless in a locked building or securely locked to an immovable object	Excluded from 'contents in the open' Theft while away from the home unless in a locked building or securely locked to an immovable object
Cost	Varies - depends on postcode, sum insured, value of bikes etc	Varies - depends on postcode, sum insured, value of bikes etc

Norwich Union May 2007

Caravan insurance

For UK customers only

Insurance for caravans can be added to an Aviva Club Insurance Home Plus or Your House policy, when purchasing buildings or contents cover as well. Cover is only available for tourer models. It is not available for mobile homes and residential caravans.

What is covered?

• Loss or damage to the caravan

• Loss or damage to the fixtures, fittings, furnishings and utensils while in the caravan

• Policyholder's legal liability for accidents while the caravan is not attached to a motor vehicle.

• The limit to legal liability for each accident is £2,000,000

Option to cover:

ancillary equipment eg awnings, general camping and caravanning equipment

Cover applies in:

• UK

• Republic of Ireland

• Channel Isles & Isle of Man

• Many other European countries, for an unlimited period in any insurance year.

Claims settlement

New for old on caravans less than two years old.

Policy exclusions

• First £60 of each claim

• Theft or attempted theft of the caravan when it is unattended and not attached to the towing vehicle, unless secured by a wheel clamp or hitch lock.

Information required on the proposal form:

• Make of caravan
• Model
• Year of manufacture
• Value of caravan (minimum sum insured £4000)
• Value of ancillary equipment (minimum sum insured £400)

Calculating the sum insured

1. Calculate the cost of replacing all articles to be covered as new
2. Deduct an amount to reflect wear, tear and depreciation for caravans over 24 months old

How much does it cost to insure a caravan?

1. Caravans (inc. fixtures and fittings) - 3.00% of sum insured Minimum sum insured = £4000
2. Ancillary equipment (awnings, general camping equipment) - 3.00% of sum insured Minimum sum insured = £400

Clothes and personal items carried in the caravan will need to be covered separately on the insured household contents policy (under personal belongings section)

Most common claims received

• Theft of contents

• Theft of caravan from drive, holiday site or from storage

• Wind blows the caravan over

• Policyholder forgets the caravan is attached and hits a tree, attempts to drive under a low bridge or into a garage.

Norwich Union March 2007

Fire Hazards

For UK customers only

Reasons for fires are wide-ranging but the most common cause is cooking. Many fires are preventable with some simple safety measures, for example:

• Fit a smoke alarm and check it regularly

• Make a fire action plan so that everyone in your house knows how to escape in the event of fire

• Take care when cooking with hot oil and think about using thermostatically controlled deep fat fryers

• Never leave lit candles unattended

• Ensure cigarettes are stubbed out and disposed of carefully

• Never smoke in bed

• Keep matches and lighters away from children

• Keep clothing away from heating appliances

• Take care in the kitchen! Accidents whilst cooking account for 59% of fires in the home

• Take special care when you are tired or when you've been drinking. Half of all deaths in domestic fires happen between 10pm and 8am. (www.firekills.gov.uk)

Deaths and injuries from fire in the home are reduced when people have early warning of a fire. Smoke alarms provide this and are easy to install, and inexpensive.

Smoke Alarm checklist:

• You should have two smoke alarms - one at ground floor and one on the upstairs landing

• Extra alarms can be fitted in bedrooms and living rooms - not in the kitchen, bathroom or garage

• Alarms should carry the kitemark and be British Standard 5446

• Check the alarms each week by pressing the test button

• Twice a year open the case and gently vacuum the inside to remove dust from the sensors. If it doesn't open vacuum through the holes

• Once a year, change the battery, unless you have a 10 year alarm

March 2007

Gardens

For UK customers only

What is covered?

Generally speaking, Aviva's household policies provide cover for contents of outbuildings, garages and garden sheds as well as for garden items, which are temporarily in the open.

Cover is available as follows:

Cover	Aviva	Your house (available only through brokers)	Home Plus(available only through brokers)
Contents of outbuildings, (including garden sheds) - items such as lawnmowers, garden implements etc. would be covered under this section.	Fire/damage - up to selected sum insured Theft - up to £1,500	Fire/damage - up to the selected sum insured Theft - up to £2,500 from outbuildings other than garages	Fire/damage - up to the selected sum insured Theft - up to £2,500 for theft from outbuildings other than garages(can be increased up to £5,000 for an additional premium)
Items left in the garden or on a drive (known as “contents temporarily in the open”) - this includes garden furniture and barbecues - the sort of items which could be moved inside in the winter, for example	£250 Can be increased to £1250	Up to £1,000	Up to £1,000 - can be increased to £5,000
Items in the garage	Fire/damage - up to selected sum insured Theft - up to £1,500	Up to selected sum insured under the policy	Up to selected sum insured under the policy
Ornaments, garden statues etc are covered as contents in the open	Up to £250	Up to £1,000	up to £1,000 - can be increased to £5,000
Garden Cover - for plants/shrubs etc	Optional - increased garden cover up to £2,500	Optional - Home and Gardens package add-on (see below)	Optional - Home and Gardens package add-on (see below)

There is £60 excess on any claim.

Garden Cover

Optional add-on to all Aviva home insurance policies

• £2,500 for cost of re-landscaping garden (including replacing plants, trees, shrubs)

• Cover against theft, malicious damage, fire, explosion, lightning, malicious persons, riot, theft or attempted theft, collision by vehicles, animals or aircraft and anything dropped by them

• £250 single article limit (ie for one tree, shrub or plant)

There is an excess on any claim, typically £60-£100.

What type of cover is provided?

• Cover includes vandalism, theft, fire, storm etc.

• Where possible, we will endeavour to replace items rather than offering a cash settlement

What is not covered?

• The standard policies do not offer cover plants, shrubs, trees, greenhouse heating failure etc. (Except for Home & Gardens package - see below)

• Bicycles are not covered under the Contents section if left in your garden or on your drive. (Unless additional bicycle cover has been taken)

• Certain losses are excluded if the property has been left unoccupied or if unfurnished for over 30 days or more with Aviva or 60 days under most other Aviva policies.

Buildings cover vs contents cover?

• If ornaments, statues etc are not fixed to the ground, they are covered by contents insurance, but if they are permanently secured, they are covered by your buildings insurance.

• Fences, gates, garden walls and hedges would be covered under the buildings section of a household policy - but fences, gates and hedges are not covered for storm or flood damage.

Norwich Union - March 2007

Home Emergency Cover

For UK customers only

What is it?

Home Emergency Cover is a standalone policy from Aviva or as an add-on to the Aviva home insurance policy, covering household emergencies, including blocked drains, electrical wiring problems and leaking roofs.

It has been designed to fill a gap often not catered for by standard home insurance policies - these traditionally cover the resulting damage, but not always the cost of repairing the immediate problem. Customers have access to a 24-hour Emergency Hotline and in the event of an emergency, we will send an approved tradesman to do the repairs.

The policy is available to any homeowner - they do not have to be an existing customer - and premiums can be paid monthly.

What is covered?

The following are examples of the types of emergencies covered:

• Sudden and unexpected roofing problems such as leaks or tiles blown off during a storm or bad weather

• Blockages in toilet waste pipes

• Plumbing problems related to leaking pipes, blocked drains, water tanks or leaking radiators

• Failure of the central heating system or boiler

• Failure of gas or electricity within the property

• Failure of the hot-water system

• Loss of all keys needed to get into your home

• Broken or damaged windows and doors that are a security risk

Additional benefits:

• Up to £500 for repairs and labour through our approved tradesmen network

• Up to £100 for temporary accommodation if the customer can't stay in their home overnight as a result of the emergency

• No excess and no maximum number of claims

• Emergency hotline available 24 hours a day, 365 days a year

What services are provided?

• If a customer has a home emergency, the customer should call the Home Emergency hotline on 0845 300 3346. We will arrange for an approved contractor to carry out an emergency repair, or a permanent repair if it is a similar price, up to a maximum of £500 - a tradesman will normally visit the customer's home on the same day.

• We will pay the call-out charge, the cost of parts and labour, and VAT. There is no excess, however no cover applies for any emergencies during the first 28 days after the start of the policy.

How much does it cost?

• Stand alone - £95.40 a year or £7.95 a month

• Add-on - £54.00 a year

• £4.86 per month (ie £54 plus 8% admin charge) if paying for Aviva Home insurance monthly

• £14.31 (£54 plus 6% admin charge) if paying for Aviva Home insurance by 4 consecutive payments option

How does Home Emergency Cover differ from other similar products?

• £500 cover - many other policies provide £300 of cover

• Covers parts, unlike some policies

• If the problem is not covered by the policy, customers can still use our approved repairer network

Purchasing Home Emergency Cover:

Home Emergency Cover can be purchased as a stand alone policy by calling 0800 056 3392 or Aviva home insurance customers can call 0870 5143 108 to add home emergency cover to their existing policy.

March 2007

Jewellery and valuables

For UK customers only

For many people, cover for jewellery and valuables is the most emotive part of their home insurance needs. The mere thought of losing, for example, an engagement ring, a watch given to you by your grandfather or a coin collection that you have spent your life building up, can be devastating.

For peace of mind, it is important to ensure that home insurance adequately covers jewellery and valuables.

What is "a valuable?"

In insurance terms a valuable is defined as:

• Stamp, coin or medal collections
• Pictures
• Other works of art
• Articles of gold, silver or precious metal
• Jewellery
• Fur

There may be limits for the amount of valuables covered under a standard home contents policy.

The extent of the cover for valuables can be expressed either as:

• A fixed amount or
• As a proportion of the overall sum insured under the contents policy.

Single article limit

The single article limit (SAL) on a policy means that the insurance company is assuming that no individual item of jewellery or a valuable covered by the policy is worth more than this amount.

On a typical household policy the single article limit will be around £2,000.

If valuables worth more than the single article limit are not declared they will not be covered for their full value.

Specified items

The average household may well contain several items that add up to, for example, £2,000 in total value. This is a different risk from owning one expensive bracelet worth £2,000.

For this reason, insurers often ask that individually expensive items above a single article limit are specified. This means that a brief description of that item is individually recorded on your schedule of insurance.

In some cases, a valuation of the specified item may also be requested by the insurance company.

Cover outside the home

If the valuable is worn or taken out of the home you will also need cover under the personal belongings section of the policy. This means that you are covered if your jewellery is lost or stolen while away from your home.

Cover available from Aviva

Cover	Aviva home insurance	Your House (available only through brokers)	Home Plus (available only through brokers)
Valuables limit	£6,000 but can be increased to £20,000 (should not exceed more than a third of total sum insured)	Varies depending on number of bedrooms but from £8,000 to £12,500	A third of total contents sum insured
Single Article Limit	£1,500	£2,000	5% of sum insured or £2,000 whichever is greater
Personal belongings cover	Optional - from £2,000	Optional - £2,000 (can be increased)	Optional - covered up to selected sum insured (min £2,000). SAL - £1,500 (£2,500 if sum insured is more than £5,000)

Norwich Union - March 2007

Norwich Union Flotation

When did Norwich Union float?

Norwich Union floated on 16 June 1997

When did it announce its intention to float?

The company had announced its flotation plans on 2 October 1996, following a strategic review. The flotation of Norwich Union was the first demutualisation and flotation of a UK life insurer.

Who qualified for free shares?

There were 2.9 million qualifying members. These were most holders of life, pension and annuity policies. Permanent health and general insurance policyholders were not members.

How many shares did they get?

The average number of shares received by each qualifying member was 300. The exact number was dependent on the type of policy held:

• With-profit members received a variable allocation of free shares (dependent on the size of the with-profit investment and the period for which the policy had been held), subject to a minimum of 300.

• Non-profit members received a fixed allocation of 150 shares.

Did Norwich Union raise any extra capital at flotation?

Yes, Norwich Union raised £2.4 billion of extra capital in a member and institutional offer that was heavily over-subscribed (members' offer 3.9 times over-subscribed and institutional offer over 10 times covered).

Were members able to purchase extra shares at a discount?

Yes, there was a members' offer where shares could be purchased at a 25% discount. This offer was 3.9 times over-subscribed.

What happened to Norwich Union shares when the company merged with CGU?

Norwich Union and CGU merged on 30 May 2000 to form CGNU, now re-named Aviva plc. At the time of the merger each Norwich Union share was swapped for Aviva shares in the following proportion: 100 Norwich Union shares = 48 Aviva shares.

What was the value of shares on flotation?

300 Norwich Union shares were valued at £870 on the day of the flotation. Today they represent the equivalent of 144 Aviva shares.

What happened to members who failed to claim their shares?

As part of the Norwich Union/CGU merger scheme the entitlement to shares lapsed and was replaced by a right to an equivalent cash sum.

January 2004

Second homes

For UK customers only

• Aviva is the only major insurer to cover a second property on a standard household policy - covering up to 5 countries - the UK, France, Spain, Portugal and Ireland.

• Other insurers tend to require a separate policy to be taken out for each property.

• Aviva offers insurance for holiday homes in a number of ways. In all cases, Aviva will insure the holiday home if the customer already has an Aviva home insurance policy for their main UK residence.

Cover	Aviva home insurance	Tapestry (mid net worth) - broker only	Home plus - broker only
Countries covered	UK	UK, France, Mainland Spain, Portugal	UK, France, Mainland Spain, Portugal, Ireland

Main residence standard policy limits:

Cover	Aviva home insurance	Tapestry (mid net worth) - broker only	Home plus - broker only
Contents	Min £15,000 Max £75,000	Min £75,000 No max	Min £15,000 No maximum but above £100k referred to Tapestry
Buildings	Min £35,000 Max £600,000	Min £250,000 No max	Min £35,000 No maximum but above £250,000 referred to Tapestry

Second property limits:

Cover	Aviva home insurance	Tapestry (mid net worth) - broker only	Home plus - broker only
Contents	Min £15,000 Max £75,000	No min/max	Up to £50,000
Buildings	Up to £600,000	No min/max	Up to £250,000

Second homes - France/Mainland Spain, Portugal and Ireland:

Cover	Aviva home insurance	Tapestry (mid net worth) - broker only	Home plus - broker only
Contents	Cover not available	Max £150,000 (combined sum insured for buildings and contents must not exceed £350,000)	Min £8,000 Max £50,000
Buildings	Cover not available	Max £350,000 (combined sum insured for buildings and contents must not exceed £350,000)	Min £30,000 Max £100,000

Nb - second homes are likely to have less contents than main residence

Key features

• Main UK residence must already be insured with Aviva

• Second home only used for family and friends and not let out on a commercial basis

• Rated by selected sum insured

• Buildings and Contents cover available

• Second home should be of standard construction and in a good state of repair

• Exclusions for unoccupancy for more than 60 days are the same as for homes in the UK. If the property is to be left unoccupied for longer than 60 days there will be an exclusion of Theft and Escape of Water cover, however, this can be be increased to 90 days at an additional premium. (Over 90 days would need be considered on an individual basis.

• Security has to be satisfactory with door and window locks.

• We would normally ask the owner to ensure that someone regularly checks the property as the risk of burglary and escape of water increases considerably with the length of time a property is left unoccupied.

• The Spanish and French laws on monies required in event of catastrophes is included in the premium

Key facts about second homes

• BBCi reports that “Buying a property abroad is no longer just for the rich, it's becoming more popular and accessible to all.”

• With the mass availability of cheap flights, and the wide television coverage on buying a home abroad, people are being tempted to make the move, be it a holiday home or as an investment.

• Lenders say there has been a surge in people taking out mortgages to buy overseas properties

• The Survey of English Housing 2001/02 reports that the number of people with a second home in England alone is 152,000 and outside of GB 147,000. 60% of these second homes are for holiday purposes.

Tips and advice about buying a second home

1. Do your homework - don't act on a holiday whim. Speak to people who currently live in the area, visit out of season and investigate the travel options of getting to your chosen location.
2. Always use qualified professionals who are proficient in your chosen country's laws and processes. Find a good solicitor and surveyor fluent in both English and the native tongue.
3. Research all legal issues and costs involved up front. Consider opening a native bank account to ease payment transfers. Check out the tax laws of the country you are buying in as there may be strict rules if you rent or sell the house.
4. Ensure you don't inherit a debt on the property before you purchase - unlike in the UK, you could well be liable for the full amount.
5. If possible arrange your mortgage in the currency that you earn in or agree the exchange rate up front to avoid fluctuating rate changes.
6. Always allow yourself a cooling off period. Never sign a contract on the spot, especially one you don't understand.

Norwich Union - March 2007

Storms

For UK customers only

What's the definition of a storm?

Aviva defines a storm as an “unusual weather event” It is persistent high winds, severe rainfall or snowstorms probably but not necessarily accompanied by wind. It also includes tornados.

What's covered. And what's not?

• What's covered:

  Typical examples of claims, which result from storms are damage to roofing tiles, roofs, chimneys, aerials and dishes, windows, garden walls, garden sheds and greenhouses. These will all be covered under the buildings policy. Damage to the customer's property caused by falling trees, including terraces, patios, drives, paths and fences are all covered.

  Our policies also cover the cost of getting rid of fallen trees, if the buildings are also damaged.

  As a rule of thumb, providing the property has been well maintained, damage resulting from severe weather will usually be covered.

• What's not covered:

  Fences, gates or hedges that have blown down as a direct result of high winds are not covered.

What to do before the storm

Although it is very difficult to take proactive action against storms, there are some steps that homeowners can take to minimise damage. Preventative action is best, particularly as poor maintenance can invalidate an insurance claim.

Homeowners should check the following areas, which may be in need of repair:

• Loose tiles, corroded nails and weak mortar joints on roofs.
• Crumbling brickwork on chimneys or leaning stacks on roofs.
• Weak fences and posts, poor brickwork on boundary walls.
• Damaged aerial or satellite dish fixtures.
• Trees near the home - call in a tree surgeon if necessary.

If there is advanced warning of a storm it is also advisable to take the following action:

• Park the car in a garage, or away from large trees.
• Secure loose objects such as garden furniture and ladders.
• Fasten all doors and windows.
• With electrical storms, remove the aerial from the TV set.

What to do after the storm

If your property suffers damage, do report the matter to your insurer promptly. Most companies will have appointed repair companies who will be able to help with securing and protecting your property from further damage by the elements.

The repair companies will prioritise calls, so that help will be given first to those domestic customers who have suffered more severe property damage. Help will also be given to commercial organisations to limit any disruption to their businesses.

• Roof tiles blown off, often in conjunction with damage to gutters, fascias etc.

• TV/radio aerials damaged. These are covered under the contents rather than buildings section.

• Fences blown down. These are not covered.

• Breakage of glass - most often greenhouse glass.

• Lifting of roofing felt, particularly on sheds. Also flat roofs although this can only be claimed if the roof had previously been in good condition.

• Damage to chimneys, ridges.

• Trees falling down and damaging buildings, fences etc. Aviva will pay the cost to remove fallen part of the tree off the damaged building and to remove it from the customer's land.

• Boundary walls blown down. These are covered only if they had previously been in good condition.

To make a claim, Aviva customers should call 0800 222500 (lines open 24hrs a day).

For all other household claims customers should call Aviva Clubline on 0800 012345 (lines open 24 hrs a day).

March 2007

Subsidence and Heave

For UK customers only

• Subsidence is a downwards movement of the ground supporting the building.

• Heave is the opposite of subsidence where the ground moves upwards.

In many cases, subsidence and heave are related to changes in the amount of water in the soil.

• Certain types of soil, like clay, are more likely to shrink during long periods of hot, dry weather.

• Trees take moisture out of the soil so can increase the risk of subsidence damage if they are planted too close to the house. Removing mature ones can increase the risk of heave.

• Damaged drains can wash away the soil beneath the foundations.

Before planting new trees, think about the soil type, the variety of tree and how big it will be when fully grown. Be particularly careful with shallow-rooted trees, such as Willow and Oak. The table below is a general guide to the safe planting distance for some common trees, though it is wise to consult an expert if in doubt.

Species	Normal/mature height (m)	Safe distance (m)
Beech	20	15
Birch	14	10
Cherry	17	11
Elm	25	30
Hawthorn	10	12
Horse Chestnut	20	23
Lime	24	20
Maple	21	20
Oak	24	30
Pine	29	8
Sycamore	24	17
Willow	24	40

What to do if you find cracks in your home:

• Most homes suffer cracks at some time or other so don't' be alarmed by every crack that appears. Cracks are likely to be the result of settlement as the building moves under its own weight following construction. Temperature and humidity changes can also cause superficial cracks which can be repaired with suitable filler.

• The time to start thinking about taking action is when a series of small cracks suddenly appear in plasterwork at weak points around doors and windows, especially after long periods of dry weather. Cracks are usually wider than the thickness of a 10p coin and wider at the top than at the bottom.

• If you are concerned about cracks in your home, call the Aviva Domestic Helpline on 0844 891 1222 or 0800 012345 to get advice, and, if necessary, arrange for an expert to inspect your home.

Excess

£1,000 excess for subsidence, heave and landslip claims under Buildings cover

Typical subsidence areas

Parts of the South East tend to suffer most from subsidence because of the presence of clay soil.

March 2007

Tips to combat flooding

For UK customers only

Flooding can take people by surprise. It's easy to panic when you don't know what to expect and are ill-prepared.

Below are some useful tips from Aviva and the Environment Agency's websites to help you prepare for a flood.

Make a family flood plan to help deal with a potentially serious situation. Practise the plan with the whole family to prepare them for a time when you need it.

• Keep a list of useful numbers, upstairs if possible, (such as your insurance company, GP and local authority)

• Make a list of the vital items that may be needed and pack a small selection of dry clothes, essential toiletries - including any medicines - and a torch

• Have flood boards or sandbags prepared to block doorways and air bricks

• Make sure you know how to turn off the gas and electricity in the dark

• Be clear where you would move your car to, if you have time

• In the case of evacuation, collect together the items you need to take with you, (check your prepared list), and decide what provision you can make for family pets

What to do when a flood actually happens

• Listen out for warnings on radio and TV, and phone the Floodline on 0845 988 1188 for more information

• Alert your neighbours, particularly the elderly

• Move pets, vehicles, valuables and items of sentimental value to safety

• Seal any delicate items in water-proof plastic bags and move them upstairs if possible

• Put sandbags or flood boards in place. Plug sinks/baths/toilet bowls and weigh down your plugs with a sandbag or other heavy object. Disconnect washing machines and dishwashers to prevent back-flow and plug any connected pipes eg with cloths or towels

• Be ready to turn off gas and electricity (get help if needed). Unplug all electrical items and move them upstairs, together with easily-moved furniture, if possible

• Co-operate with emergency services and local authorities - they have emergency planning in place for floods so be prepared to be evacuated to an emergency shelter

• Fill a vacuum flask with a hot drink and keep other items to hand such as a torch, warm clothing, a battery-operated radio (tune to the local station for updates) and a mobile phone (if you have one)

• Keep your insurance documentation to hand for useful helpline numbers

Clearing up after a flood

Once the water has subsided and your home is given the all-clear, there are a number of ways you can make your home ready to re-occupy as soon as possible.

We recommend that you take the following action:

• Seek advice from a claims adviser at your insurance company

• Lift any flood-damaged carpets to allow the floor to dry, but don't throw them out

• Use a low heat to gently dry things out - using a high heat can cause further damage

• Safety first - take care not to use electrical sources of heat near floodwater and wear protective clothing

• If you are drying out your home using the central heating system alone, make sure the rooms are well ventilated. Make sure your valuables and home contents are secure

• If your claims adviser suggests using a dehumidifier, make sure doors and windows are closed

• Be patient - taking time to dry out your home properly could save time when it comes to redecorating

• Once the floodwater has gone, take the advice of your claims adviser before you start redecorating. You will need to let brickwork dry out for some months before you redecorate

• Don't throw anything away - your claims adviser will need to assess damage to your belongings for valuation purposes and to see if it is possible to repair them

• Discuss flood-resistant repairs with the person handling your claim eg replacing carpets or wooden floors with tiled floors. More information on flood-resistant repairs is available from the Environment Agency, CIRIA and Office of the Deputy Prime Minister websites

March 2007

Wedding cover

For UK customers only

Aviva's household polices (Your House and Home Plus) and Aviva's Home Policy provide automatic additional cover for wedding gifts.

Home Plus, Your House, Homework and Aviva

• The contents sum insured under these polices is automatically increased by £3,000, for a period of 30 days before and 30 days after the policyholder's wedding.

• This cover is designed to protect wedding gifts which have been purchased for the happy couple.

• The cover is automatic - policyholders do not need to notify Aviva that they are getting married. In the event of having to make a claim, the policyholder simply has to provide proof of the wedding (eg marriage certificate) in order to benefit from the additional wedding cover.

• Once the automatic wedding cover has expired (30 days after the marriage date), policyholders should make sure that their contents sum insured is sufficient to cover all their household goods and personal belongings. They should notify their broker or insurance company straight away if they need to increase their contents sum insured or to upgrade their policy to include personal belongings cover.

• Aviva's Your House, Home Plus and Homework policies are available from insurance intermediaries and brokers. Aviva is available direct from the company.

Tapestry

Contents sum insured is automatically increased by 10% 30 days before and after your wedding day to cover wedding gifts.

March 2007

Additional fact sheets

• Risk Solutions from Aviva - 120 facts about specific risk management or health and safety issues
• Principles and Practices
• Realistic Reporting (PDF Link no longer active)
• Realistic Solvency Disclosure (PDF Link no longer active)