Home Insurance

No, we’ll treat refugees as guests, and you don’t have to tell us that they’re staying with you for at least the first 12 months. They’ll be covered by your policy in the same way as guests living in the home. Read more about your cover if you house a Ukrainian refugee.

Personal Belongings cover is available on our home insurance cover only, and is for things such as mobile phones, laptop, jewellery, camera equipment etc, while you’re in or away from your home. Any personal item worth more than £2,000 will need to be specified on your policy.

You can add Personal Belongings cover to your quote in the "Personal items" section on the "Your quote" page.

If you're a new customer, for cover limits and exclusions please see our Policy Booklet (PDF 348 KB) and our Overview of benefits (PDF 90 KB).

If you're an existing customer, for cover limits and exclusions please refer to the documents section of MyAviva on the policy you wish to view.

On AvivaPlus we have a similar add-on called "Contents away from home cover”. This will cover all items defined above with no single article limit – meaning no items need to be specified. It’s only valid on these items when you’re away from your home or garden on a temporary basis. This optional cover is included as standard on the Premium Tier and is an optional cover on the Regular Tier. Please note this cover is not available on the Basic Tier.

You may be able to change your address through MyAviva.

Here's a guide on how to change the address: Once logged in, go to the ‘Your Account’ option (top right hand corner), select the 'Your Profile' option then use the ‘Edit’ button within the correspondence address section. If this option isn't available for you, you can contact us via email.

You’re protected for loss of, or damage to, mobile phones in the home as part of your standard contents cover if it’s caused by any circumstances covered in our Policy booklet (PDF 348 KB). These include:

• Theft or attempted theft from the home
• Malicious persons or vandals
• Escape of water

You will need to buy additional cover to protect your phone against other circumstances in and away from home.

You need to add our Extra level of Accidental damage to cover your mobile phone for accidents in the home. You need Personal belongings cover to cover your mobile phone against accidental damage, loss or theft worldwide, which includes accidental damage in your home and garden. Please check your policy documents for cover restrictions, including those for theft from vehicles.

If you have Aviva Contents insurance

You’re automatically covered for bicycles at your home, although they’re only covered for theft from the garden if locked to an immovable object.

We offer extra cover for bikes owned by you and your family while you’re away from home anywhere in the world with our Pedal Cycle add-on. It doesn’t matter how many bikes you’d like to insure, just choose the amount that is enough to replace the most expensive cycle between £300 and £5,000.

If you are already an Aviva customer, you can log on to MyAviva to add your bicycles. Once you’ve logged in, simply:

• Use the 'Your policies' button at the top
• Select 'Details'
• Select 'Amend my policy'
• Under 'contents cover' and then 'personal belongings - covered in and away from the home' enter the value of your most expensive bike next to 'Cover for your cycle(s)'; then use 'Continue' to add to your policy.

Please check your policy schedule for more information about limits for theft from the garden and theft from outbuildings.

You don't need any specific fire alarm protection under our standard home insurance policies. This includes our customers with home insurance in Scotland, despite the new legislation around home smoke and heat alarms which came into effect on 1 February 2022. If you did have a fire in your property, your insurance would still cover you, subject to the terms and conditions of your policy.

However, wherever you live, we strongly encourage you to fit interlinked smoke and heat detectors in your home to protect your family and property in the event of a fire.