Aviva home insurance review

We've looked at home insurance offered by Aviva, so you can decide whether it is right for your property.


Fact checked
Customers say
Customer satisfaction
78% of Aviva's home insurance customers in our 2020 customer satisfaction survey would recommend it.
Accidental damage only included in the top cover.

All Aviva home insurance customers are offered a renewal price guarantee, which means premiums won’t rise but will remain the same or may even be cheaper.

Here’s what else we think you should know about Aviva home insurance.

Who is Aviva?

As the largest general insurance provider in the UK, Aviva offers an extensive range of financial products including home, car, van, motorbike, travel, pet and life insurance.

While Aviva has roots as far back as 1696, it was essentially created when Norwich Union and CGU plc merged in 2000. Although known as CGNU after the merger, the name Aviva was adopted a short time later in 2002.

The Aviva Group is made up of several businesses, including Aviva Insurance Services UK Ltd and Aviva UK Digital Ltd, amongst others.

Aviva home insurance

Home insurance you can count on from Aviva

  • Less of the tricky questions so you can get covered in minutes
  • Complete home cover - insuring your building and belongings
  • Cover starts from just £115

What are Aviva’s cover options?

Aviva offers one contents only policy and one buildings cover policy, but these can also be combined and tailored to your needs with add-on optional extras.

What is covered under my policy?

Depending on whether you choose to cover your building, contents or both, Aviva’s home insurance cover includes:

  • Damage to your property (including water damage and fire)
  • Damage to your possessions, with no limit to the overall amount
  • Cost of alternative accommodation (including loss of rent)
  • Liability protection for injuries or property damage
  • Alternative accommodation, if the damage is covered by your insurance

Optional extras

Aviva offers increased protection that can be added to a home insurance policy, including:

  • Protected no claims discount
  • Accidental damage cover
  • Legal services cover
  • Home emergency cover
  • Accidents and theft away from home cover
  • Bicycle cover

What is my excess?

Your insurance excess is the amount of money you will need to pay towards a claim. Your insurer won’t pay out for a claim that costs less than this amount.

You’ll find details about your excess, such as general or subsidence excess, in your Aviva home insurance policy document.

How much is this going to cost me?

There are a number of factors that can affect the cost of your Aviva home insurance premium, including:

  • The cover you choose. You can choose to cover your contents or your building separately, or opt for a combination of the two.
  • Your sum insured. The greater the amount you wish to insure your home or contents for, the more you can expect to pay for cover.
  • Your home. The age of your home and the materials from which it is constructed can influence its ability to withstand damage.
  • Where your home is located. Certain risks, for example, storm and theft, are more prevalent in certain areas, and insurers will take this into consideration when calculating your premiums.
  • Security. Security measures such as an alarm system and deadbolts can act as a deterrent to thieves and therefore reduce the cost of your cover.

What is the claims process for Aviva?

You should call the Aviva claims line on 0800 158 4091. Alternatively, you can make a claim online via the Aviva website.

Aviva recommends that you have the following information to hand before making a claim on your home insurance:

  • Your policy details and personal contact details.
  • The date of the incident.
  • Details such as the cause of the incident.
  • The value of any lost or damaged items being claimed for.
  • Names and addresses of any other people involved or responsible for the incident, including details of injuries.

You may also need to provide the following additional information:

  • Original purchase receipts, invoices, manual booklets or photographs, bank statements, utility bills, plans or deeds of your property.
  • Purchase dates and location of lost or damaged property.
  • Confirmation from a suitably qualified expert that the damaged property you intend to claim back for is beyond repair.

It’s vital that you let your insurer know about an incident as soon as possible. Failure to do this could result in a rejected claim later on.

Aviva pros and cons


  • Aviva’s home insurance policies can be enhanced with extra protection.
  • 15% discount for buying home insurance online.
  • Claims can be made online.


  • Accidental damage is only included in the highest level of cover.

Home insurance ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

Our customer satisfaction scores (“Customers say”) are based on a survey of 750 customers carried out in December 2019.
The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you.

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