Aviva home insurance review

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

4.1 ★★★★★ (685 reviews) Write a review

Aviva has 15 million UK customers, and offers home cover as separate buildings or contents policies, or both combined.

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.

What are Aviva’s cover options?

Aviva offers contents-only and buildings-only policies, but these can also be combined and tailored with optional extras.

In addition to Aviva’s standard policies, there is AvivaPlus. This is a pay-as-you-go monthly deal which works like a subscription. You have to pay by credit or debit card and can make changes or cancel any time with no fees. There are three tiers of cover with AvivaPlus, and it’s only for combined buildings and contents. Existing AvivaPlus customers have a renewal price guarantee – they’ll be offered at least the same deal as an equivalent new customer each year. But this was phased out for new customers in 2021, as the financial watchdog plans to implement this approach as a rule for all insurers.

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 customer reviews

In our 2024 customer satisfaction survey, 85% of customers stated that they would recommend Aviva to a friend. You can access our comparison on the best home insurance page. Whilst some customers have reported that they rarely hear from Aviva, the majority have stated regular and informative communications from the company.

One customer commented: “Reliable, customer focused – reasonable value for money for a good cover”.

Several have said that Aviva is “reliable” and “easy to use, good customer service and good prices”, there are very few negative comments.

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

Finder scores, in blue, are based on our expert analysis of policies. We also show reviews from users, where we've received more than 10, in yellow. We gather more reviews from customers every year in Finder's customer satisfaction survey.

To find out more, read our full methodology.

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. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.

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