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Aviva Home Insurance Review 2018

Aviva Home Insurance [Review]


This Review

Alicia Hempstead - Drewberry
Written by:
Alicia Hempsted
Content Manager at Drewberry
⏰  7 min read



Company Type

Public Limited Company

Company Overview

Aviva is the UK’s largest insurance group and a market leader in general insurance as well as life and pensions. Aviva Home Insurance policies are one of the most popular insurance products provided by Aviva thanks to their simplicity and comprehensive cover.

Drewberry reviews Aviva Home Insurance

Aviva PLC began as a merger between Norwich Union and CGU PLC. Today, Aviva offers their products and services to more than 44.5 million customers across 28 countries, making Aviva the sixth-largest insurer in the world.

Aviva plays an important role in supporting small communities and in 2016 gave £11.3 million to promising community projects.

Review the key facts about Aviva Insurance policies

Aviva Home Insurance Review


Aviva’s Contents Cover works on a ‘new for old’ basis. This means that your payout for a damaged item will be equivalent to its original value and not its depreciated value.


Both Buildings Cover and Contents Cover automatically cover outbuildings and garages. Other insurers may ask you to pay added premiums to include your home’s outdoor items and buildings.


Aviva’s Currency Cover protects against the loss of not only money and credit cards, but also the loss of travel tickets, gift vouchers, and phone cards, which are not usually covered.


Some types of accidental damage are covered by Aviva Home Insurance policies as standard, but if you want to expand on this cover you can add Accidental Damage Cover for additional premiums.


Aviva insurance policies offer cover for spoiled food if your freezer breaks down or the power is cut. They will pay up to £1,000 to cover the cost of restocking your fridge.


Cover for the theft of personal possessions from unattended vehicles is limited to £1,000, even if the item is covered by Personal Possessions Cover. However, this does not apply to bicycles if you have added Bicycle Cover.


Aviva does not offer matching sets cover. This means that they will not replace an entire matching set of items if one item is damaged and cannot be replaced.

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Review of Aviva insurance coverage

Buildings & Contents Insurance Policy Overview

Aviva Home Insurance policies offer comprehensive and straightforward cover for your home and family. The bare policy offers essential cover while optional add-ons allow you to tailor your policy to your needs.

Review of Aviva Home Insurance Cover




Buildings Cover


Core Option 1

Contents Cover


Core Option 2

Buildings & Contents Cover

Unlimited / Unlimited

Core Option 3

Buildings Accidental Damage Cover



Contents Accidental Damage Cover



Personal Possessions Cover

£2,000 per item


Valuables Cover

Limits determined by underwriting


Office Contents Cover



Bicycle Cover

Choice of limit between £300 – £3,500


Trace & Access Cover



Currency Cover

Limit increased to £1,000 for credit cards


Alternative Accommodation Cover

£10,000 for Contents Cover claims
£80,000 for Buildings Cover claims


Policy Documents

Aviva Home Insurance policy key facts   Aviva Home Insurance policy terms
*Unlimited cover for properties with up to 5 bedrooms/ **included with optional Personal Possessions cover

Glossary of Insurance Terms

  • Buildings Cover: Covers the physical building and structural components.
  • Contents Cover: Covers the contents of your home if they are damaged while in the home, including furniture, electronics and clothing. This also includes four optional levels of cover for personal possessions within the home.
  • Unlimited Cover: Although there are no limits on how much you can claim per incident/claim, there will typically be limits on individual items and potentially further limits determined by underwriting.
  • Accidental Damage Cover: Covers damage or loss of your home’s building or contents caused by sudden, unintentional and unforeseen accidents, such as dropping a glass of wine or throwing a ball through a window.
  • Students Contents Cover: Covers the possessions of students in full-time education, such as laptops and mobile phones, even when they are away at university. 
  • Personal Possessions Cover: Personal possessions cover is an optional extra you can add on to cover items such as laptops and mobile phones. You can claim for damage or loss anywhere in the world for your portable belongings.
  • Valuables Cover: This covers particularly valuable items in your home, such as jewellery, paintings and antiques. These items need to be valuated and specified in your policy.
  • Office Contents Cover: This covers office equipment in your home, such as laptops, tablets and printers. However, this does not cover items used for business.
  • Bicycle Cover: Also known as ‘Pedal Cycle Insurance’, this covers bicycles at home and potentially outside the home (insurer dependent).
  • Trace & Access Cover:  Covers the cost of detecting, accessing and repairing water leaks.
  • Currency Cover: Covers money stolen from the home or through credit/debit card fraud. Aviva’s unique Currency Cover also covers the loss or damage of travel tickets, gift vouchers and phone cards.
  • Alternative Accommodation Cover: If your home becomes uninhabitable due to damage or for reasons of personal safety, this cover will pay out for alternative accommodation until your home is safe to return to. Some insurers also expand this cover to include the cost of temporarily housing domestic pets.

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Find out more about Home Insurance from Aviva

Additional Information About Aviva Home Insurance


Review of Aviva Accidental Damage Cover

Aviva’s Accidental Damage add-ons will protect your building and its contents from any accidental damage they may incur. However, certain types of accidental are covered as standard by your policy, without you needing to pay extra for optional cover.

Covered by Standard Buildings Cover

Accidental damage to:

  • Fitted glass
  • Sanitary fittings
  • Septic tanks
  • Service pipes
  • Cables.

Covered by Standard Contents Cover

Accidental damage to:

  • Non-portable home entertainment equipment (e.g. television, desktop computer)
  • Mirrors
  • Ftted glass in the home.
Samantha Haffenden-Angear, Independent Protection Expert at Drewberry

Adding Aviva’s optional Accidental Damage Cover to your policy will protect your entire home from accidental damage while a standard policy will only offer very limited protection.

You may need to decide for yourself whether the extra cover is worth the increased premiums.

Samantha Haffenden-Angear
Independent Protection Expert at Drewberry


Home Insurance Policy Exclusions

Different types of cover that you will find in Aviva Home Insurance policies have their own exclusions, but there are some general exclusions which are applied to your whole policy.

  • Gradual damage that has been caused over time
  • Wet rot, dry rot, and frost damage
  • Fences, gates or hedges damaged in a storm
  • Damage caused by poor workmanship, faulty materials or faulty design
  • Loss or damage deliberately caused by you or members of your household
  • Homed that are unoccupied
  • Damage or loss caused by domestic pets
  • Wear and tear
  • Damage or loss of property for business or professional use unless shown otherwise on your property schedule
  • Damage or loss occurring while a property is being let or sub-let
  • Theft of cycles stored outside on the property unless securely locked to a fixed object that can’t be moved
  • Personal possessions that are lost accidentally or misplaced
  • Loss or damage of motorised vehicles, aircrafts, caravans, or watercrafts of any kind

Additional Services from Aviva Home Insurance

Aviva Response

This is a separate insurance provided by Aviva that you can combine with your Home Insurance policy. It ensures that you receive fast and efficient repairs for issues concerning your home’s heating, plumbing and electrics. This cover includes an annual boiler review and service, full replacement of boilers if repairs are not possible, and access to qualified repairers at short notice.

There are three different levels of cover to choose from, with the most comprehensive option covering pest removal and lock repairs in addition to heating, plumbing, electric and security services.

Home Emergency Cover

If you need emergency repairs in your home – such as a breakdown of your central heating system or a leaking pipe – this cover will help you afford the necessary repairs. Aviva will pay out up to £1,000 per claim towards your repairs and up to £1,000 to cover hotel accommodation while your house is uninhabitable. On neither of these benefits will you need to pay excess.

Legal Services Cover

If you or a member of your family is faced with any legal issues concerning consumer law, property disputes, personal injury, or medical/ cosmetic procedure negligence, Aviva will help you cover some of the legal costs. You can claim up to £100,000 worth of cover for your legal expenses and Aviva can even provide you with a lawyer to represent you. However, claims for this cover will only be approved if Aviva has strong reasons to believe that you will be able to win your case after a review of your case performed by a legal professional.

Protected No-Claims Discount

This add-on to Aviva Home Insurance policy exists as a means of rewarding policyholders who put in extra effort to take care of their homes. If you hold a Home Insurance policy with Aviva and do not make any claims over a 5 year period, you can add this cover to your policy to protect your no-claims discount. This means that if you do need to claim in the future, your no-claims bonus/discount will be unaffected.

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4.92 / 5 Average
1547 Reviews
R Steer
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Josh, Nick & Sam helped me set up PHI & Life insurance when I set up my own company. The application process wasn't straight forward due to my medical history, but the team made everything as simple as possible.
C Ash
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I have not started my health cover yet, bus so far the introduction has been very efficient and speedy.
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Clear and concise information
D Muirhead
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Excellent personal service from Matthew Giles, made sure we received a tailor made quote that ideally suited our requirements as a family
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Great service, independent advice, not pushy and very consultative. I would have no hesitation in recommending.