Home insurance

Make sure one claim doesn’t make 5 years’ or more of hard-earned discounts disappear.

This cover could untangle many different problems that need a legal mind. These include:

• problems with employment law – such as if you’ve lost your job unfairly
• your rights as a customer – for example, where something you’ve bought doesn’t work or never shows up 
• disagreements to do with your home – such as noise from your neighbours or where the line of a fence should be drawn
• personal injury – if you have an accident that wasn’t your fault and could possibly have been prevented
• issues with medical and cosmetic treatment – when you’ve had an operation or work done that’s not up to scratch

Having this add-on is like a key that unlocks access to legal advice right around the clock through a 24/7 helpline. We’ll also back you with up to £100,000 in legal costs for you, your partner, and anyone in your family that lives with you. And that’s for each claim you make.

Read more about our legal services cover

Know where to turn when your heating has a tantrum or swarms of bugs or mice decide to move in. Our home emergency cover includes:

• the work to put things right, including any parts and materials – up to £1,000 with no excess to pay
• your hotel bill if you need to move out in the meantime – up to £1,000 with no excess to pay

Just so you know: this doesn't cover dual-purpose boilers, the usual appliances you’d plug in around the home (like your dishwasher), those small day-to-day fixes, wear and tear, boilers and electric heaters which we deem to be beyond economical repair in which case we will contribute £500 towards a replacement and electric vehicle charging points under the Electrical Emergency section are covered up to £2,000 per claim.

Going further than our contents insurance, this covers you in and away from the home, in the UK, or anywhere else in the world. You'll be covered for:

• Personal items – up to £2,000 for any one item (although you can take out extra cover for anything that costs more)
• Cash – up to £750
• Credit cards – up to £1,000
• Belongings left in a vehicle – up to £1,500 for anything stolen that you’d stored away from prying eyes

We can’t cover everything though. For example, we don't include business tools, or when electrical items stop working.

Guard against those clumsy moments or mishaps at home. Like treading on a games console, or knocking over speakers. Cracking your glass tabletop. Or if your septic tank or service pipes spring a leak.

We’ve got two levels of cover. Here’s how they dial up the value of your building’s insurance or contents insurance.

Limited cover

Boosts your buildings insurance with cover for:

• Any fixed glass (aka windows or glass doors)
• Fittings connected to a water supply, like your bathroom sink (not appliances like washing machines or dishwashers)
• Service pipes and cables

Ramps up your contents insurance with us by covering: 

• Non-portable home entertainment equipment
• Glass in furniture like cabinets or coffee tables
• Mirrors (the cost, not the bad luck) 

Extra cover

This flexes its protective muscles, and covers accidental damage to every other square inch of your home for buildings insurance, and almost everything you own for contents insurance.

We don’t cover costs to fix or replace anything that was faulty in the first place, was badly designed or that someone fitted in the wrong way.

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

However many bikes 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 bikes you’ve left on their own, unless they’re locked inside a building, or to something that can’t be moved.

First of all, find your documents, as you’ll need your insurance policy number. Gather up photos of anything that’s been damaged or lost (if you have them), and any receipts, quotes or invoices.

Once you’ve piled everything together, it’s time to claim. We’ll aim to get in touch with you within 2 hours when you claim online. Or start the ball rolling by phone on 0345 030 6945. ^{^}

When it’s an emergency – say your home isn’t secure after a break-in or weather damage means it’s not safe to stay put – get in touch with us right away.

You can also have a quick look through our guide about making a home insurance claim.

^{^} For our joint protection, telephone calls may be recorded and/or monitored. The cost of calls to 03 prefixed numbers are charged at national call rates (charges may vary dependent 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 is a way to boost your home insurance cover with us, on things like mobiles, laptops, jewellery and cameras, whether you’re at home or out and about. You’ll just need to let us know about any one item worth more than £2,000.

You can add personal belongings cover to your quote in the Personal items section on 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 have home insurance with us already, cover limits and exclusions are in the Documents section once you log in to MyAviva.

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 using our online form.

Your cover will protect you against losing your mobile, or damage to it, if it’s in your home. This is part of your normal contents cover if it happens because of any event shown in our Policy booklet (PDF 348 KB). These include:

• Someone stealing it or trying to steal it from your home
• Escape of water

You’ll need extra cover to protect your phone against anything else happening to it, in your home or somewhere else. Cover allows for a refurbished mobile phone to be provided as a replacement. 

Adding our extra cover level of accidental damage covers your mobile phone for accidents in the home. Personal belongings cover will insure 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.

Our contents insurance covers bicycles in your home. We’ll only pay out on bikes stolen from your garden if they’re locked to something that can’t move.

We offer extra cover for bikes owned by you and your family while you’re away from home anywhere in the world with our Pedal Cycle add-on. It doesn’t matter how many bikes you’d like to insure, just choose the amount that is enough to replace the most expensive cycle between £300 and £5,000.

If you are already have home insurance or contents insurance with us, you can add bicycle cover in MyAviva. Once you’ve logged in, simply:

1. Choose Your policies
2. Pick Details
3. Choose Amend my policy
4. Under Contents cover and then Personal belongings – covered in and away from the home put in how much your most expensive bike costs next to Cover for your cycle(s) 
5. Choose Continue to add them to your policy

Your policy schedule will tell you the limits for anything stolen from your garden and any outside buildings.

We don’t ask you to have any fire alarms in particular. This includes if you have home insurance with us in Scotland, even though the law around smoke and heat alarms in the home changed on 1 February 2022. If you did have a fire in your property, your insurance would still cover you, subject to the terms and conditions of your policy.

Wherever you live, though, we’d encourage you to fit linked smoke and heat detectors in your home to protect your family, your home and your belongings in case there’s a fire.