Contents insurance

It's the inside that matters

Our Aviva Signature contents insurance is Defaqto 5 Star rated
New claims can be made online or via phone 24/7
No limit to the overall amount we’ll cover all your contents for^{Footnote 1}

Aviva Home Insurance has been awarded an overall rating of 4.6/ 5 from (867 reviews)

Aviva Home Insurance has been awarded an overall rating of ( 4.6/5 from 867 reviews )

What is contents insurance?

Our Aviva Signature contents insurance offers protection for your belongings. It has what it takes to help look after the prized possessions in your home and garden but doesn’t cover the actual building itself. And with add-ons like accidental damage or bicycle cover, you can tweak your contents policy to suit you.

Unlimited sum insured

There’s no limit to the overall amount we’ll cover all your contents for ^{Footnote [1]}
Home office equipment

Get back to work again quickly, with up to £15,000 of cover for office furniture, computers, printers, and other equipment used for work
Food in the freezer

Fill up your freezer again with up to £1,000 in your pocket to replace ruined food if it breaks down or is accidentally disconnected from the power

Get a quote

Don’t forget, you can take out our Aviva Signature contents insurance on its own, or together with our Aviva Signature buildings insurance as a complete home insurance package.

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How contents insurance works

Contents insurance protects your belongings while they’re in your house or garden. It covers them if they’re damaged, destroyed or lost because of things like fire, theft, and flooding. With our Aviva Signature contents insurance, we also spread that cover to include money, valuables, food in your freezer and home office equipment too. If you want to, you can also make sure you’re covered for any accidents, with our optional accidental damage add-on.

And when it comes to who needs contents insurance, it’s not just homeowners who should consider it. If you’re renting, we have contents insurance for tenants.

Or if you’re a landlord, you can get our home insurance for landlords.

Deciding how much contents insurance you need

Answering the question ‘how much contents insurance do I need?’ can make your head spin and your eyes cross. It’s important to make sure you have enough cover, but how do you stick a price on everything you own?. One way is to scribble a list of all your possessions and estimate how much of a battering your wallet would take if you had to replace them with new or similar items.

With our Aviva Signature contents insurance we offer an unlimited contents sum insured. Though there are some limits for certain parts of cover, such as valuables or personal belongings.

We'll cover your jewellery, watches, items of gold, silver or other precious metals, works of art (paintings, etchings, tapestries, statues, sculptures), stamp, coin and medal collections ^{Footnote [2]}.

Meanwhile, personal belongings is an optional add-on that also protects your personal items while outside of your home, like mobile phones or laptops, for up to £50,000.

With both valuables and personal belongings, if you have a single item that’s worth more than £2,000, you’ll need to tell us about it so that it’s specified on your policy.

Contents insurance that fits you

Not sure if getting contents insurance is worth it? Think about what you’d do if there was a fire or flooding, or a thief crept into your home. If your gadgets, belongings, furniture, and more were lost or damaged, could your bank balance stretch to cover the cost of replacing them? If not, you might want to move ‘get contents insurance’ to the top of your to do list.

And when you’re trying to decide what contents insurance you need, think about your specific needs and exactly what you’d want protecting.

You can boost our standard cover with optional add-ons to make your policy an even better fit for you. For example, you can protect your belongings when you’re out and about with personal belongings cover. Or be prepared for one of those ‘I can’t believe I did that’ moments with accidental damage cover.

What our Contents Insurance covers

Our Aviva Signature contents insurance covers your household items, including money, valuables, and home office equipment.

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 less than six bedrooms ^{Footnote [1]}

Cover at home and in the garden

If your things are temporarily elsewhere in the British Isles (except in a furniture depository), your contents are protected from loss or damage caused by fire, theft or flooding, up to £12,000.

Cover for contents in outbuildings and garages

We cover contents in garages and outbuildings within property boundaries. Conditions and limits apply.

Cover for matching items

We'll cover the cost of replacing undamaged items in a set such as matching furniture suites (conditions apply), if we're unable to provide a matching replacement (up to the contents and personal belongings limits).

New for old replacements

We'll replace damaged items with new ones. Or pay for them to be restored, repaired or replaced. Damage due to wear and tear or breakdowns is not covered. Accidental damage is an optional cover. ^{Footnote [3]}

Personal money

Cash in your home covered up to policy limits – 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 (up to a value of £1000)

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)
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)

How easy is it to get a contents insurance quote?

You can get a quote for our Aviva Signature contents insurance in four simple steps. We’ll ask:

for your personal details, such as your name and address
what type of cover you want, when you want it to start and about any previous claims
if you want to include any optional add-ons
about any high value or special items you have that are worth over £2,000

Ready to get cover?

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

How much cover wil I need?

If you've ever been burgled or flood damaged, you'll know how important home insurance is. We all have valuables and expensive items at home we want to protect, from gadgets and jewellery to furniture and food.

Contents insurance calculator "Content insurance calculator"

Important documents

If you already have insurance with us, you'll find the documents for your policy in MyAviva.

Insurance product information document (PDF 75.6 KB)

Home Insurance summary of cover (PDF 234.7 KB)

Home Emergency Cover policy (PDF 295 KB)

Legal Services policy wording (PDF 219.9 KB)

Insurance policy wording (PDF 316.8 KB)

Home summary of benefits (PDF 90.3 KB)

Important information document (PDF 200.1 KB)

Policy add-ons

Tweak your policy with our add-ons and bump up the cover for your belongings if you need to.

Protected No Claim Discount

Protect your No Claim Discount (NCD) and you can make up to two claims in five years without losing any of your hard-earned NCD.

Legal services

Get expert legal advice for a range of issues, from employment law to property disputes, with our 24-hour legal helpline and up to £100,000 in legal costs per claim for you, your domestic partner, and any family members living with you.

Home emergency

Get protected if the unexpected happens at your home, for example, if your heating breaks down. Cover for labour, parts, and materials if there’s an emergency.

Extra personal belongings

Additional cover for your belongings in and away from your home, both in the UK and worldwide. Including, but not limited to, personal money and credit cards.

Accidental damage

Choose between two levels of cover, either ‘extra’ and ‘limited’, to protect items in your home from accidental damage, such as your home entertainment equipment.

Pedal cycle cover

Feel confident pedalling anywhere in the world with extra cover from loss, theft or damage for bicycles used by you and your family.

How our claims process works

If you need to make a claim, let us know the details online straightaway. We’ve made it quick and easy to do. Or if you need to talk to us, you can call us anytime 24/7 for new claims only.

Step 1 of 3

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 of 3

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.