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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.
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Unlimited contents sum insured
There's no limit to the overall amount we'll cover your contents for. Footnote [1]
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Cover for home office equipment
We'll cover home office equipment you own and are responsible for up to £15,000
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Cover for alternative accommodation
We'll cover you for alternative accommodation until your home’s fit to live in, up to £25,000 for contents insurance.
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.
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 jot down a list of all your possessions and estimate how much it might cost 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 Footnote [1].
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 £2,500, 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
What’s not covered
Please read policy documents for details of all exclusions and limitations.
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 £2,500
Why choose us for Aviva Signature home insurance?
Our cover has been given a 5 Star Rating by Defaqto. Their experts open the front door of our policies, and delve into every last corner – it’s not based on opinions or hearsay.
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How much cover will 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.
Important documents
If you already have insurance with us, you'll find the documents for your policy in MyAviva.
Policy add-ons
With Aviva Signature home insurance, you can tailor your policy with optional add-ons and increase your cover for belongings if needed.
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 the 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
We cover personal belongings in and away from the home, in the UK or anywhere else in the world. This is an optional cover. This is limited to the amount shown on your schedule.
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.
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.
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.
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 Footnote [5].
Looking for more cover?
We’ve got a range of products to protect what’s important to you.
Home insurance
With Aviva Signature home insurance you can choose buildings, contents or both.
Buildings insurance
From porches to patios, our Aviva Signature buildings insurance helps to protect the structure of your property.Learn about caring for your home
We’ve put together a range of simple guides and handy tools to answer your questions about protecting your home, so you can feel confident and prepared.
Home insurance
What’s the difference between buildings and contents insurance?
What type of cover should you choose?
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First time buyers
Important stages of the house buying process
Buying or moving into a home comes with big decisions — from choosing a neighbourhood to finding the right cover for your new place
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Home insurance
Your home insurance price explained
Your home insurance cost depends on factors like your risk of claiming. See what else affects your price here.
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Home insurance
Legal Services Cover explained
Confused about legal cover? Here’s a quick look at the cases our optional legal services can help with under Aviva Signature home insurance.
Contents insurance calculator
It can be a bit tricky to calculate the value of your belongings. Use our contents insurance calculator to estimate the value of your contents. 
Our chatbot can connect you to the answers and people you need
If you can’t find what you’re looking for, our chatbot can give you instant support around the clock, help you manage your account or direct you to the right team if you need to speak to someone.
Still need help?
If you’ve still got a question, find out how to get in touch on our contact us page.