Contents insurance for renters

Unlike car insurance, it’s not a legal requirement - unless you have a mortgage lender, in which case it’s usually an obligation of your mortgage contract, but it can go a long way to giving you peace of mind in the event of a burglary, fire, flood or other damage to your property and your belongings.

If you need to make a claim you can visit our claims page or call us on 0345 030 6945.

Lines open 24 hours for new claims. For our joint protection, we may record and/or monitor calls. The cost of calls to 03 prefixed numbers are charged at national call rates (charges may vary depending on your network provider) and are usually included in inclusive minute plans from landlines and mobiles. Our opening hours may be different depending on which team you need to speak to.

Personal belongings cover protects your items – like your mobile phone, laptop, jewellery, or camera equipment – both at home and when you take them out with you. It also includes accidental damage cover while you're at home. You will need to specify any personal item worth more than £2,500 on your policy.

You can add personal belongings cover to your quote in the "Your quote" page.

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

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

Tell us your new address, and when you’ll be living there as soon as you can.

You might be able to do this in MyAviva:

1. Log in to your account
2. Under Your Account, pick Your profile (if you’re using the mobile app, just look for the Profile section)
3. Choose to Edit within the correspondence address section

If you can’t see this, get in touch by sending us a message.

While we cover cycles (the kind you pedal) under our normal contents insurance when they are in your home, we can layer on extra cover for any cycles you and your family use – wherever in the world you hop onto the saddle. 

However many cycles you’d like to insure, just choose the amount that’s enough to replace the most expensive, between £300 and £5,000. 

We don’t cover stolen cycles you’ve left on their own unless they’re locked inside a building or to something that can’t be moved.

Adding our extra cover level of accidental damage covers your mobile phone for accidents in the home. Personal belongings cover is an optional add‑on that insures your mobile phone against accidental damage, loss or theft anywhere in the world – which includes accidental damage in your home and garden. Please check your policy documents for restrictions, including those for theft from vehicles.

Not necessarily. With Aviva Signature home insurance, most contents are covered automatically up to the policy limits. However, certain high-value valuables and personal belongings worth more than the single article limit of £2,500 will need to be specified on your policy, particularly if you want them covered for theft, damage or loss outside your home.

If an item needs to be specified and isn't listed on your policy, it may not be covered for its full value in the event of a claim. Adding high-value items to your cover may increase your premium.

It's also worth reviewing the value of any specified items regularly. The value of items such as jewellery, gold or artwork can increase over time, so keeping your sums insured up to date can help ensure you have the right level of cover.