AVIVA Review: Home Insurance

Aviva is a Defaqto 5 Star Rated home insurance provided by a household name that provides insurance polices to over 15.5 million people in UK.

If you are interested you can get a home insurance quote from AVIVA, here: AVIVA Home Insurance.

Buildings Insurance, Contents Insurance

AVIVA provides buildings and contents cover to protect your building and belongings. You can add optional add-ons to meet your individual need.

You can get buildings and content cover to protect your home from damage or burglary. AVIVA provides up to unlimited cover on their Buildings policy, so that you can fix or rebuild your home. They also provide up to unlimited cover for their Contents insurance.

Buildings Insurance

The Buildings sum insured for the standard limit is ‘unlimited’ amount, to repair or rebuild your home. (See AVIVA’s terms for full information.)

Building Insurance – cost of alternative accommodation

On their standard Buildings cover AVIVA provides you with alternative accommodation if your home becomes uninhabitable due to any damage. For alternative accommodation, they provide £80 000 or 20% of the building’s sum insured if it is higher than £80 000.

Building Insurance – claim back any rent due from lodgers

If you have any lodgers in your home and they are no longer able to live there because of the damage to your home. AVIVA will pay you any rent income due from them. Or AVIVA will cover any reasonable alternative accommodation cost for your lodger (and pets). If they are not covered themselves by their own insurance for this. They provide £80 000 or 20% of the building’s sum insured if it is higher than £80 000.

Buildings Insurance – tracing and accessing leaks

If your home has any water leaks, AVIVA will pay a reasonable amount to trace and find the leak and to fix the leak and structure of building if necessary. They will pay up to £5 000.

Buildings Insurance – replacement locks

AVIVA will replace keys and locks to external doors as part of the standard cover. They will pay up to a £1 000.

Buildings Insurance – your liability to the public

AVIVA’s standard building cover will also cover you from any liabilities from the public, as the home owner.

Buildings Insurance – what is not covered

  • They will not cover wet rot, dry rot or frost damage.
  • Damage to your home which has been caused over time.
  • They not pay for any fences, hedges or gates damaged in a storm.
  • Any claims for poor workmanship or faulty design.
    (Take a look at their policy for full detail on what is not covered.)

To find out what else is covered and to get a quote, go here: AVIVA Buildings Insurance.

Content Insurance

The content sum insured for standard limit is ‘unlimited’, for contents in your home and garden. (See AVIVA’s terms for full information.)

Content in your home or garden

AVIVA will cover contents in your home as well as its garden in their Contents Insurance.

Contents temporary removed from your home

In the standard contents cover, AVIVA will also cover any of your content from your home or garden which has been temporarily removed to another location. (Exceptions apply.)

Contents Insurance – claim back any rent due from lodgers

As it was with the Buildings cover, If you have lodgers in your home, and they are nob able to live there because of damage to content, AVIVA will pay you any rent income due from them. Or any reasonable alternative accommodation costs (and pets). (Terms and conditions apply.)

Garden re-landscaping

If the plants and trees in your garden or damaged or stolen, AVIVA will pay to re-landscape your garden and put things right.

Replacement locks

As with the Buildings cover, AVIVA will replace keys and locks to external doors if you no longer can find your keys or they get stolen. They will pay up to a £1 000.

Optional Add-ons

If you want you can have additional add-ons to your home insurance including: Home Emergency (Labour, parts and material), and Legal Services.

Contents Insurance – what is not covered

Anything that is shown in the general exclusions including:

  • Gradual wear and tear.
  • Breakdown or faults – such as boilers and home appliances.
  • Faulty material or workmanship.

To find out what else is not covered and to get a quote, go here: AVIVA Home Insurance.

Conclusion

If you are looking for a good value home insurance that is Defaqto 5 Star Rated, the AVIVA home insurance is a good option.

15.5 million people in the UK protect their belongings with AVIVA.

To get a quote for home insurance, go here: AVIVA Home Insurance.

Additional information

If your home is going to be unoccupied for more than 60 days, read our article: Unoccupied House Insurance – Empty Property Insurance.

If you are interested in working from home, read our article: Work From Home Jobs – That You Can Do.

Find out more about insurance regulations, here: Financial Conduct Authority (FCA).4.5/5 – (2 votes)