Aviva Home Insurance Review and Quotes

antoine fruchard Antoine Fruchard  updated on July 27, 2020

Would you like to protect your home against any damage or an unfortunate event such as a house fire or theft? 

Are you wondering if Aviva is the best home insurance company to protect your house?

You’ve come to the right place. 

This ultimate and up-to-date review on Aviva home insurance gathers all you need to know: consumers reviews, cover details, prices, claim process, contact numbers and much more. Let’s dive right into it.

Is Aviva the best insurance company for you?

Getting the best home insurance deal is not just about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good pay-out if your home is damaged as a result of an unfortunate event such as theft, fire or natural disaster.

At Safe, we’ve studied in detail Aviva’s home policy terms and conditions and given our own ratings based on different criteria for combined building and contents insurance policy.

4,5 Safe overall rating for Aviva

Safe ratingOur opinion
Customer service & satisfaction
and claims

Regular and Premium plans rated 5 stars by Defaqto
LiveChat, Facebook, Twitter and landlines available to help your with your claim
Poor customer reviews on Insureeye

Cover provided for your home

3 levels of cover avaiable
£50 000 compensation limit for personal possessions with Regular plan
Up to £5M limit for owner’s liability
Credit card not covered by contents insurance
£200 standard excess

Value for money

NCD available
No charge on monthly payments
No administration fees
3 levels of cover starting at very affordable rates

Financial strength

Part of the Aviva Group (Quotemehappy, General Accident)
Home policy underwritten by Aviva Insurance Limited

Technology

Customer portal MyAviva available
Online claim process
Livechat available also to discuss claims
Facebook and Twitter help support

Safe rating for Aviva home insurance

Expert and customer satisfaction reviews for Aviva home insurance

Review organisationAviva home insurance reviews

Defaqto expert
defaqto 5 stars
Insureeye1,7/5 based on 108 opinions
Overall Which? Score

70%

Consumer satisfaction rates on reviews for Aviva home insurance

Our general opinion on Aviva home insurance

Aviva is one of the largest UK insurance provider with more than 15 million customers. The company provides all kind of personal insurance as well as investment, health and retirement plans.

The company standard home insurance ranks among the top standard home insurance policies.
The Aviva Plus Regular plan offers great building insurance with owner’s liability limit up to £5M (one of the highest of the market), trace and access up to £1M.
The standard contents insurance also provides great cover for contents in the open, outbuildings (up to £100K) and a single item limit of £20K.

Both AvivaPlus Regular and Premium plans are rated 5 stars by Defaqto. The premium plan, as most of more comprehensive cover, includes accidental damage, legal expenses and personal possessions as standard.

What does Aviva home insurance cover?

What is more important than protecting your home – the roof under which you sleep with your loved ones? 

Applying for home insurance at Aviva will allow you to protect the structure of your home (buildings insurance), what is inside (contents insurance) or both (combined buildings and contents insurance). 

Without home insurance, your home is exposed to any kind of risk, from a minor water leak to a fire, and you are liable for any repairs – whatever the cost this represents. 

Home insurance at Aviva covers you for any damage made as a result of an unfortunate event such as theft, fire and natural disaster causing leaks, flooding, etc.

Aviva buildings and contents insurance

Aviva provides three main types of household insurance: 

  • Buildings insurance
  • Contents and personal possessions insurance
  • Combined policy

Buildings insurance covers the structural aspects of your home. It will cover any damage made to your walls, floors, ceiling, windows, outbuildings, garages, etc. You can also extend your buildings insurance to permanent fixtures such as bathrooms, etc. Buildings insurance is for homeowners.

If you buy your property and get a mortgage for this, you will be asked to provide valid buildings insurance. Buildings insurance is not mandatory, though. However, you must know that an average claim for repairing a burst pipe for example is £25 000.

Contents insurance will cover any damage made to your belongings inside your home or in your garden (TV and other appliances, furniture, etc). In other words, it will cover anything which is not structural.

House contents insurance is highly recommended (especially in case you get burgled or if you are renting a furnished flat) but is not mandatory.

In the event of a fire, for instance, buildings insurance will give you compensation for your home structure, your walls, roofing or other structural elements damaged during the fire, and contents insurance will cover any damage made to your household appliances, furniture, jewellery and so on.

You will find below policy details for building and contents insurance:

Aviva building insuranceLimits
Maximum sum insured

£1 000 000

Owner liability

£5 000 000

Alternative emergency accomodation

£80 000

Period of home’s unoccupancy cover

60 days

Repairs guarantee period

1 year

Trace and access

Up to £1M

Burst pipe

As standard

Blockage of sewer pipe

Available as extra

Gradual build-up of groundwater

Not covered

Subsidence

As standard

Underground services

Available as extra

Keys cover

£1 000

Flood and storm damage (except for fences)

As standard

Aviva building insurance

Limits mentioned above are part of the total sum you insured with your insurer when applying for home insurance (and not in addition to).

Let’s have a look now at Esure contents insurance limits:

Contents insuranceLimits
Maximum sum insured

£100 000

Owner liability

£5 000 000

Alternative emergency accomodation

£80 000

Period of home’s unoccupancy cover

60 days

Damage made by pets

Not covered

Contents kept in garden

Up to £100 000

Contents kept in outbuildings (garage included)

Up to £100 000

Thefts from outbuildings

Up to £100 000

Single item limit for valuables

£20 000

Items temporarily removed from home

Up to £50 000 (optional extra)

Money in and outside the homeInside:

£750


Outside:

£750 (under personal possessions cover – optional extra)

Credit cards in and outside the homeInside:

Not covered


Outside:

Not covered

Business equipment kept at home

£100 000

Student equipment

£50 000 (available as extra)

Keys cover

£1 000

Aviva contents insurance

Aviva home insurance additional cover

On top of your Aviva buildings and contents insurance, you can find additional cover such as:

Home insurance additional cover
Accidental damage cover

Optional extra

Home emergency
  • Optional extra
  • Up to £1 000 per call out
  • Up to £1 000 for emergency accommodation
Boiler cover
  • Part of the home emergency optional extra
  • Up to £1 000 for boiler repair
  • Up to £500 for boiler replacement
Legal protection
  • Optional extra
  • Up to £100 000 for expert lawyers fees
Personal possessions
  • Optional extra
  • Up to £50 000 for personal possessions cover at home
  • Up to £50 000 for single item limit away from home
  • Up to £50 000 limit for personal possessions kept in a car
Mobile cover
  • Optional extra
  • Up to £50 000 limit
Bicycle cover

Unspecified bicycle away from hom cover available as extra

Aviva home insurance excess

The deductible you’ll have to pay in case of claims are as described below:

For both building and contents insurance
Excess for standard claims£200
Excess for escape water claims£450
Excess for subsidence claims£1 000
Excess for personal possessions£200
Excess for keys£200
Aviva home insurance main excess

Aviva home insurance fees and NCD

To manage your policy, renew, cancel or modify it, Aviva fees are as follows:

Fees applied to manage your Avivahouse policy
Interests on payment installments0
To renew my policy£0
To adjust my policy£0,0
To duplicate documents£0
To cancel my policy during cooling-off period£0
To cancel my policy outside cooling-off period£0
For payment default£0
To switch from one insurer to AvivaNot covered
Home insurance fees at Aviva

How much does Aviva home insurance cost?

You will below indicative quotes for building and contents insurance at Aviva:

Building insuranceContents insurance
Excess£200£200
Home coverBuilding: £250 000
Contents: £20 000
Personal items: £4 000
Building: £500 000
Contents: £50 000
Personal items: £8 000
Premium£201,78£395,92
Home insurance quotes at Aviva

It is very difficult to give a precise range of how much exactly will your home insurance cost at Aviva as it will mainly depend on:

  • The insurance you apply for (building, contents, combined insurance, extras)
  • Your address
  • Your claim record
  • The insured value of your home and of your personal belongings, etc.

Aviva will establish a risk rate, taking into account all these elements, and offer you a price based on it. 

The average cost of combined buildings and contents insurance in 2018 was £163, with contents insurance usually counting for a third of the premium (around £60) and building insurance for the rest (around £110). However, premium will be higher if you buy stand-alone building or contents insurance.

Do you want to compare the cheapest home insurance quotes? It couldn’t be easier. Just do a quick home insurance comparison using our comparison tool below. It takes only 15 seconds and is completely neutral and 100% anonymous.

Aviva home insurance discounts available

Discount is given for buying combined policy.

How do I a claim on Aviva home insurance?

At Aviva, you can claim online, through your MyAviva customer portal. You can also call the claim management team.

You will be asked to provide your insurance policy number as well as details on claim circumstances such as date and time, pictures or other person involved.

How to claim on Aviva home insurance?
Claim online

Claim form

Claim by phone

0345 030 6945

How to claim on my home insurance at Aviva

If you claim is related to a criminal incident (theft, fire etc), you must call the police upfront.

How can I cancel Aviva house insurance?

To cancel your Aviva house insurance, here is what you need to know: 

Cancelling your home insurance at Aviva
Cancellation notice if Aviva cancel your policy7 days
Cancellation feesFees during cooling-off period: £0
Fees outside cooling-off period: £0
Cancel online

You can cancel claim by login in to the members area of Aviva website .

Cancel by phone

0345 0306 945

How to cancel my Aviva home insurance

How to contact Aviva home insurance?

ServicesPhone numbersOpening hours
Claims

0345 030 6945

Mon – Fri: 8am – 8pm
Sat: 10am – 4pm
Sun: 10am – 4pm

Quotes

0800 015 4715

Mon – Fri: 8am – 8pm
Sat: 830am – 5pm
Sun: 10am – 4pm

Home emergency helpline

0345 030 6945

24/7

Customer service

0345 030 7078

Monday to Friday: 8:00am – 8:00pm
Saturday: 8:30am – 5:00pm
Sunday and bank holidays: 10:00am – 4:00pm

Quotes

0800 015 4715

Monday to Friday: 8:00am – 8:00pm
Saturday: 8:30am – 5:00pm
Sunday and bank holidays: 10:00am – 4:00pm

How to contact Aviva home insurance

Aviva home insurance contact details

Aviva contact details
Aviva address

Aviva plc St Helen’s 1 Undershaft London EC3P 3DQ

Customer service email

Contact form

Chatbot available

Available on any page by clicking on the LiveChat button on the bottom right corner.
The LiveChat is available from Monday to Friday: 8:00am – 6:00pm. You can discuss your claims with an expert team through the LiveChat.

Aviva contact details

How do I log in to Aviva customer portal?

You can log in to your MyAviva customer portal to manage your policy and claim online: https://www.direct.aviva.co.uk/MyAccount/login?context=HomeStartClaim

How do I get Aviva home insurance quotes? 

To get a quote online at Aviva, it couldn’t be simpler. 

You can go on our home insurance comparison tool here and compare the main home insurance deals on the market. If Aviva is the company that best suits your needs, then you just click on the ‘Get quote’ button and follow the whole process explained online.

To get Aviva home insurance quotes, you will need to provide:

  • Your personal information: ID, age, phone number and job
  • Your address and postcode
  • Your homeowner record (claims included)
  • Your home description (type of property, the date it was built, how many square metres inside and outside)
  • Your property related status: do you own it, rent it, have a mortgage on it, etc.
  • Extras you’d like to get on your home insurance, contents sum insured and the excess you’d like to pay.

The types of questions you will be asked are typically:

  • Are you a first-time buyer?
  • Has the property ever suffered from subsidence, cracking, subsidence or undergone any underpinning (or showed any signs)?
  • Has the property ever been damaged by flood?
  • Has anyone living permanently at the property made any home claim(s) for loss or damage in the past X years (usually 3) or had any claim(s) made against them? etc.

5 tips to reduce your Aviva house insurance quote

  • Always shop around on home insurance comparison sites. If you do not auto renew and instead apply for new home insurance, you will easily be able to lower your house insurance cost and benefit from new customer discounts.
  • Increase the excess amount you are willing to pay in case you make a claim.
  • Choose the level of cover that is right for you. Insure with the right sum for both your buildings and contents insurance. If you do not have high value items, consider an ‘indemnity’ contents insurance rather than a ‘new for old’ one.
  • Opt for a policy offering No Claim Bonus to lower your premium if you’ve gone for a few years without making any claim.
  • Consider index-linked cover for building insurance to follow prices of building materials.