Aviva has 15 million customers across the UK and offers home insurance as a separate building or content policy or as a combination.
Here’s what else we think you should know about Aviva home insurance.
Who is Aviva?
As the UK’s largest comprehensive insurance provider, Aviva offers a comprehensive range of financial products including home, car, van, motorcycle, travel, pet and life insurance.
Although Aviva’s history dates back to 1696, it was essentially formed when the Norwich Union and CGU plc merged in 2000. Although known as CGNU after the merger, the Aviva name was adopted shortly thereafter in 2002.
The Aviva Group comprises several companies, including Aviva Insurance Services UK Ltd and Aviva UK Digital Ltd.
Who Covers Aviva Home Contents Insurance?
What coverage options does Aviva offer?
Aviva provides policies for content and buildings only, but these can also be combined and customized with optional add-ons.
In addition to the standard Aviva policy, there is AvivaPlus. This is a pay-as-you-go monthly service, similar to a subscription. You must pay by credit or debit card and can change or cancel at any time with no fee. There are three levels of covers in AvivaPlus, only for combined buildings and content. Existing AvivaPlus customers enjoy a renewal price guarantee – they receive at least the same quote as new customers of the same value each year. However, it will no longer be implemented for new customers in 2021, as the financial supervisory authority wants to implement this approach in principle for all insurers.
What does my policy cover?
Depending on whether you want to insure your building, your contents, or both, Aviva contents insurance includes:
- Property damage (including water damage and fire)
- Damage to your property, no total limit
- Cost of alternative accommodation (including loss of rent)
- Liability coverage for personal injury or property damage
- Alternative accommodation options are available if the damage is covered by your insurance
Optional extras
Aviva offers enhanced protections that can be added to home insurance, including:
- Protected No Claims Discount
- accidental damage insurance
- Legal service guarantee
- Home Emergency Protection
- Accidental and theft from home coverage
- bike cover
What is my deductible?
Your deductible is the amount you have to pay for a claim. Your insurance company will not pay claims for less than this amount. Your deductible details, such as B. general deductible or deductible, you will find on your Aviva home insurance policy document.
How much will this cost me?
There are many factors that affect your Aviva home insurance premium, including:
- A cover of your choice. You can override your content or buildings individually, or choose a combination of both.
- Your insurance amount. The more you want to insure your home or household items, the more you can expect coverage.
- your house. The age of your home and the materials it’s built from can affect its ability to resist damage.
- where is your home. Certain risks, such as storms and theft, are more common in certain areas, and insurance companies take this into account when calculating your premiums.
- Safety. Security measures like alarm systems and bolts can deter thieves, reducing insurance costs.
What is Aviva’s entitlement process?
Call the Aviva Claims Line on 0800 158 4091. Alternatively, you can file a claim online through the Aviva website. Aviva recommends that you have the following information ready before making a claim on home insurance:
- Your policy details and personal contact details.
- The date the event occurred.
- details of the cause of the incident.
- The value of the lost or damaged item for which the claim is made.
- The names and addresses of all other persons involved or responsible for the incident, including details of any injuries.
You may also need to provide the following additional information:
- Your property’s original purchase receipt, bill, owner’s manual or photograph, bank statement, utility bill, floor plan or deed.
- Date of purchase and location of lost or damaged property.
- Confirmation from a suitably qualified expert that the damaged property you wish to recover cannot be repaired.
It is important to notify your insurance company of the claim as soon as possible. Failure to do so may result in the application being rejected later.
