Coronavirus: home insurance

We'll do everything we can to support you if you've been affected by the Coronavirus.

Please don't cancel any payments or Direct Debits. Missing a payment may mean you run the risk of your policy being cancelled and we don't want you to be left uninsured.

You can review your cover online to ensure it still meets your new circumstances.  You can also change the date your Direct Debit is collected.

To help you further, you won't be charged a fee to make certain changes to your policy, amend your payment dates or if you decide you need to cancel.  We can defer your monthly payment and spread it evenly over the remaining term of your policy. It’s not suitable for everyone as it means paying back higher monthly payments in the future. If you'd like to know more, find out if you're eligible for a payment deferral and how to apply.

If you're having trouble paying your monthly premium and a deferred payment is not suitable, please contact us.

For free and impartial advice about all your options, you can also visit the Money Advice Service website.

No. Policy exclusions relating to unoccupied properties will apply unless government advice prevents you visiting the property. If you're stuck abroad and unable to return home, despite making every effort to do so, please contact Aviva in order to discuss this issue.

No. Policy exclusions relating to unoccupied properties will apply unless government advice prevents you visiting the property.

Restrictions may differ between England, Scotland, Wales and Northern Ireland and you should check you are adhering to the law and guidance of the relevant administration.

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

You don’t need to tell us if members of your household are now working from home solely in a clerical capacity. Your current policy cover applies so, for example, your chosen level of accidental damage cover will remain the same. Please check your policy cover still meets your needs.

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 doesn't have cover in place, up to any policy limit for office equipment.  

Those home working from garages or outbuildings should also check their policy cover is sufficient as there may be limits on the cover provided, for example, on theft from outbuildings.

If members of your household are now working from home in a non-clerical capacity and you previously told us there’s no business use at your home address, please contact us to discuss.

No, this isn't covered. If you run your businesses from home, or are relocating portions of your commercial business to your home temporarily (for example relocating large amounts of stock), your business stock is not covered by a home insurance policy. You'll need to ensure you 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 supports our home contents customers by taking a more flexible approach. Please check your policy cover still meets your needs.

If you’re legally liable for any employer’s business equipment and working from home in a clerical capacity, we'll pay if employees are legally liable for any damage or the employer doesn't have cover in place, up to any policy limit for office equipment.  

Those home working from garages or outbuildings should also check their policy cover is sufficient as there may be limits on the cover provided, for example, on theft from outbuildings.