Coronavirus: home insurance

Yes, we'll automatically extend the unoccupied period to 150 days due to the impact of coronavirus. Full cover will apply during this 150-day period and you won't need to pay an additional premium. We'll review this regularly as the situation develops.

Yes, we'll automatically extend the unoccupied period to 150 days due to the impact of coronavirus. Full cover will apply during this 150-day period and you won't need to pay an additional premium. We'll review this regularly as the situation develops.

If you're looking to extend full cover because you're unable to occupy the property due to the impacts of coronavirus, we'll provide an additional 90 days' full cover, free of charge.

Where the property will remain unoccupied long term due to other circumstances not relating to coronavirus (for example if the customer is deceased or has moved into a nursing home), 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.

If you've already purchased temporary cover on your old property, we will automatically extend your cover up to 150 days due to the impact of coronavirus. You'll have full cover during this 150-day period and you won't need to pay additional premiums. If you haven't previously purchased this cover, you won't be able to do so now and you'll need to take out a second policy to cover the other 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.

If you're unable to meet policy conditions due to the impact of coronavirus, our claims team will consider the circumstances and your ability to comply with the policy conditions in light of the current situation. There's no need to make amendments to policies to update your holiday home, weekend home or unoccupied buy back conditions or clauses at this time.

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.

For the next three months (from 23 March), 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.

For the next three months (from 23 March 2020), 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.