Coronavirus: home insurance

No.  Changes to government advice mean you will be able to travel to your holiday, second or unoccupied home to undertake necessary checks. Restrictions will differ between England, Scotland, Wales and Northern Ireland and you should check you are adhering to the law and guidance of the relevant administration.

As a result, policy exclusions relating to unoccupied properties will apply unless government advice prevents you visiting the property.  If you are stuck abroad and are unable to return home, despite making every effort to do so, please contact Aviva in order to discuss this issue.

No. Changes to government advice means you will be able to travel to your holiday, second or unoccupied home to undertake necessary checks. Restrictions will differ between England, Scotland, Wales and Northern Ireland and you should check you are adhering to the law and guidance of the relevant administration.

As a result, policy exclusions relating to unoccupied properties will apply unless government advice prevents you visiting the property 

No. Changes to government advice means you will be able to travel to your holiday, second or unoccupied home to undertake necessary checks. Restrictions will differ between England, Scotland, Wales and Northern Ireland and you should check you are adhering to the law and guidance of the relevant administration.

As a result, policy exclusions relating to unoccupied properties will apply unless government advice prevents you visiting the property.  Where the property will remain unoccupied then the normal buy-back process applies together with any additional premium this may require.

No, policy limits should still be more than sufficient during this period.

No. Full cover was automatically extended until 8 July 2020 for temporary cover on old properties following a house move. If cover is still required, you'll need to take out a second policy to cover the old property.

No, decontamination costs relating to a virus would not be covered by our home policies.

In the unfortunate event of your home becoming uninhabitable while you're living there in self-isolation, we'll manage the situation based on your individual circumstances according to our normal claims management process. We'll either make arrangements to make the property habitable or provide suitable alternative accommodation.

We're not offering free increased accidental damage cover. You should check your cover is sufficient for your needs.

Changes to government advice means you will be able to travel to your holiday, second or unoccupied home to undertake necessary checks. Restrictions will differ between England, Scotland, Wales and Northern Ireland and you should check you are adhering to the law and guidance of the relevant administration.

As a result, policy exclusions relating to unoccupied properties will apply unless government advice prevents you visiting the property 

We anticipate that many more people, likely as directed by the government and their employer, will need to work at home more frequently or even until further notice.

So people may have more home office equipment (including computers, laptops, monitors and printers) than normal at their residence.

We're therefore taking a more flexible approach to help our customers who need to work from home temporarily, but whose home contents policy does not ordinarily cover this additional equipment, whether as core cover or extended home office cover. The same cover applies as your policy so, for example, your chosen level of accidental damage cover will remain the same.

Where home office equipment is owned by an employer, your employer's insurance should cover any damage but we'll pay if employees are legally liable for any damage or the employer does not have cover in place.

We'll be treating home office equipment as ‘contents’ and so it'll be covered under all our home contents policies and we’ll pay up to the contents sum insured for any valid claim. All other policy terms and conditions remain unchanged.

No, this isn't covered. We'd like to remind people who run their businesses from home, or are relocating portions of their commercial business to home temporarily (for example relocating large amounts of stock), that business stock is not covered by a home insurance policy and the customer will need to ensure that they have suitable commercial insurance cover in place to cover any business stock.

The vast majority of employers will insure their business equipment, such as computers, laptops, monitors and printers. In the rare event it's not covered in your home, or if employees are legally liable for damage or theft, then Aviva will support our home contents customers by taking a more flexible approach.

We'll be treating home office equipment as ‘contents’ and so it'll be covered under all our home contents products and we’ll pay up to the contents sum insured for any valid claim. All other policy terms and conditions remain unchanged, meaning the same cover applies as would normally apply to other contents, including your chosen level of accidental damage cover.