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Aviva Home Insurance offers policyholders unlimited cover for both contents and buildings, for homes up to 5 bedrooms in size. We like the simplicity of their home insurance—there's one level of cover, in most cases offering an unlimited cover limit for both buildings and contents.
In this review we breakdown the particulars of Aviva Home Insurance, to help you decide if Aviva home insurance is right for you. Finding the best home insurance for you will depend upon your individual needs and situation. There may be other home insurance plans with better features available. You may also want to read about our other top picks for best home insurance companies.
In This Review
- Overall Aviva Home Insurance Review
- Aviva Home Policy and Coverage Options
Aviva Home Insurance Review: What You Need to Know
Aviva offers one tier of home contents insurance, with unlimited cover for both contents and buildings, for homes containing at most 5 bedrooms.
Optional Add-Ons include: Accidental Damage (buildings and/or contents), Home Emergency, Legal Services, No Claims Discount cover (buildings and/or contents), Increased Valuables, Personal Belongings (also protects when you're abroad), Bicycle cover away from home (already covered at home with Contents cover).
When we checked, the pricing worked in such as way that the price of Buildings & Contents insurance is basically the same as a Buildings Only policy. In essence, Contents cover is practically added for free onto Buildings cover. Prices for the standard policy hover around £282 for Buildings & Contents and Buildings Only, with Contents Only cover (e.g., for tenants) pricing around £107 per year.
Aviva Home Insurance Key Facts
- Unlimited cover limits (up to 5 bed home)
- Like-for-Like replacement (wear and tear deduction for clothing)
- No Claims Discount up to 5 years maximum
Aviva Home Insurance Prices
We've gathered pricing data from the Aviva website to give you a general idea of Aviva home insurance quotes. For the purposes of this exercise, we quoted for a 30-year-old policyholder living in London for a home they own (either outright or mortgaged).
Insurance quotes can vary significantly from day to day and according to your individual details, so please just use the following data for educational purposes only; your quotes may reflect a large degree of variation. Additionally, insurance policies across different companies can be difficult to compare directly, as they can vary in terms of excess, cover amounts, etc.
Aviva Home Insurance Add-On Costs
With so many add-ons available for an extra charge, it can be useful to have an idea of the cost of these optional features.
|Aviva Home Insurance Extras||Approximate Add-On Cost|
|No Claims Discount (Contents)||£6|
|No Claims Discount (Buildings)||£17|
|Accidental Damage (Contents - Limited)||£9|
|Accidental Damage (Buildings - Limited)||£27|
|Accidental Damage (Contents - Extra)||£41|
|Accidental Damage (Buildings - Limited)||£63|
|Personal Belongings (£2,000)||£34|
|Personal Belongings (£5,000)||£34|
|Personal Belongings (£10,000)||£40|
|Additional £10,000 of Valuables||£40|
Aviva Home Insurance Premiums by Excess
Aviva gives the option to choose between a number of excess amounts, between £100 and £1,000 (the standard amount is £200). How does the premium drop as the excess rises?
Here are some highlights of features available on Aviva home insurance policies. Standard features are also included on Aviva policies, limits for which can be found below in the Policies. For more complete details like inner limits and exclusions, please see the policy documents.
|Aviva Home Insurance Features|
|Cover for Portable Items (e.g., laptops, tablets, etc.)||Cover for portable items is not included under standard Accidental Damage cover, but may be purchased as an extra under Personal Belongings cover or "Extra" Accidental Damage cover|
|Abroad/Away From Home||When you buy OPTIONAL extra Personal Belongings cover, you're protected against loss, accidentally damage or theft of your personal belongings while you travel worldwide|
|Household Removals||Covered under Contents, with up to 7 days in storage|
Aviva Buildings Insurance: What's Covered?
Aviva Buildings cover protects against calamities such as fire, explosion, flood, storm, smoke, being hit by a vehicle, water escaping from/freezing in pipes, tanks, etc., theft, subsidence, falling trees or branches, etc. Exclusions include (but are not limited to) loss or damage cost by frost, by storm to fences, gates and hedges, damage to solid floors as a result of water escaping from the home, damage that happens slowly over time, etc.
Aviva Buildings Cover Limits
|Buildings sum insured||Unlimited|
|Loss of rent/cost of alternative accommodation||£80,000 (or 20% of the buildings sum insured if higher)|
|Tracing and accessing leaks||£5,000|
|Emergency access||Up to Buildings sum insured|
Aviva Contents Insurance: What's Covered?
Aviva Contents insurance provides an unlimited amount of cover as standard, for financial protection in case of fire, storm, flood, leaks, theft, subsidence, etc.
Beware that if you move house, items like personal money, jewellery, watches, items of gold/platinum, stamps and coins are not covered for accidental damage/theft during a professional removal/storage under the standard Contents cover.
Aviva Contents Cover Limits
|Contents sum insured||Unlimited|
|Valuables (total)||£10,000 (but a higher limit is available if you need it)|
|Valuables (single article limit)||£2,000|
|Home office equipment||£5,000|
|Contents temporarily removed from your home||£5,000|
|Contents in garden||£1,500|
|Theft from garage(s)||£25,000|
|Theft from outbuilding (s)||£25,000|
|Garden re-landscaping||£2,500 in total (Limit any one plant £250)|
|Food in freezer||£1,000|
|Leakage of heating fuel and metered water||£2,000|
|Loss of rent /cost of alternative accommodation||£10,000|
|Fatal injury benefit||£5,000|
|Household removals||Up to contents sum insured|
|Emergency access||Up to contents sum insured|
|Extra temporary cover for Religious festivals and wedding gifts^|
|Occupiers and personal liability||£5,000,000|
Note: Valuables include jewellery, watches, gold/silver/other precious metal items, stamp/coin/medal collections, pictures and other works of art. Extra temporary cover for Religious festivals and wedding gifts only applies if you don’t qualify for an ‘Unlimited’ overall contents sum insured.