Contents Insurance

It's the inside that matters

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Cover just your belongings

If you need to insure your belongings – and not the building you live in – our Contents cover could help. And with add-ons like home emergency or bike cover, you can tailor your policy to suit you. Our Defaqto 5 Star Rated contents insurance from just £62 – that’s all 10% of customers paid (excludes optional extras) 1.

Unlimited sum insured

There’s no limit to the overall amount we’ll cover all of your contents for – so you don’t need to worry about being underinsured 2

Home office equipment

Cover for office furniture, computers, printers and other equipment used for work up to £5,000

Food in the freezer

Replace ruined food up to £1,000
if your freezer breaks down or accidentally has the power disconnected

Don’t forget, you can take out our Contents Insurance on its own, or together with our Buildings Insurance as a complete Home Insurance package.

What does Contents Insurance cover?

Our Contents Insurance covers your household items including money, valuables and home office equipment. Plus, you can add extra worldwide cover for your bikes and personal belongings. 

What’s covered

Protection against loss, damage and more.

Loss or damage to your contents

  • Caused by events such as fire, theft and flooding
  • Unlimited overall sum insured for properties with up to 5 bedrooms

Cover at home and in the garden 

  • Cover in your home, outbuildings and garden
  • Plus we’ll cover items temporarily taken outside the home or garden

New for old replacements

  • We’ll replace your damaged or destroyed belongings with new items 
  • Or we’ll help with restorations, repairs or payment to choose your own replacements 

Personal money

  • Cash in your home covered up to £750 - including travel tickets, gift vouchers and phone cards

Food in freezers 

  • We’ll replace spoiled food if your freezer breaks down or you accidentally turn the power off


What’s not covered

Unfortunately, we can’t cover everything – make sure you’re happy with what’s not covered, including:

  • Wear and tear, and the cost of repairing breakdowns or faults
  • Theft of cycles in the garden (unless securely locked to an object that can’t be moved)
  • Misplacing or accidentally losing items
  • Motorised vehicles, aircrafts, caravans or watercrafts of any kind 

Take a look at our policy wording for full details of what's not covered.

 Read our policy wording (PDF 347 KB)

Ready to get cover?

We’ve got a range of options to help protect what’s important to you.

Read our customer reviews

How our claims process works

Whatever happens, we’re here when you need us – online and over the phone.

Step 1

Keep your documents handy

To make a claim, you’ll need your insurance policy number, any photos of the lost or damaged items (if you have them), and any related receipts, quotes or invoices.

Step 2

Let us know

You can make a claim over the phone or online if you’re registered for MyAviva.

If there’s been an emergency, eg your home isn’t secure after a break-in or it’s not safe to stay there following damage, get in touch with us as soon as you can.

Step 3

We’ll respond quickly

We’ll get back to you as soon as we can to sort things out. And if you make a claim online, we aim to get back to you within 2 hours 3.

Need help? Ask our chatbot

Still need help?

If you’ve still got a question, find out how to get in touch on our contact us page.