Aviva landlord insurance review
How does Aviva landlord insurance compare for cover on all the risks and costs associated with renting out your property?
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With Aviva home insurance for landlords, you can protect the brick and mortar property itself, the contents or combine both under the same policy. Aviva offers unlimited contents cover, alternative accommodation for tenants and rental loss cover if your property is uninhabitable. Its policies can also be upgraded with optional extra cover for personal belongings or home emergencies, as well as cover against accidental damage to fixtures and fittings.
Aviva is the largest general insurance provider in the UK, which has a wide range of financial products including landlord, home, car, van, motorbike, travel, pet and life insurance.
While it can be traced back as far as 1696, Aviva, as we know it today, was created in 2000 when Norwich Union and CGU plc merged. Although known as CGNU after the merger, the name Aviva was rolled out 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’s landlord insurance policies offer cover and protection for your rental property against certain risks. These include:
Aviva landlord insurance also provides a range of additional features to protect you against some of the risks and costs associated with renting out a property. These include:
You will be able to check your policy details for a complete breakdown of policy features to be sure you have the right cover for your own needs.
Aviva offers some extra protection that you can add onto your landlord insurance policy, including:
An insurance excess is the sum you will have to pay towards a successful claim. Your insurer will not pay for a claim that will cost below this excess amount. A compulsory excess amount could vary depending on a number of factors relating to your own circumstances.
A voluntary excess is extra to your compulsory excess and is normally set by you when taking out a policy. You might be able to add or increase a voluntary excess – which could help to lower your premium.
You’ll be able to get the details about all excesses, whether compulsory or voluntary, within your policy document.
There are several areas that can alter the cost of your Aviva landlord insurance premium, including:
You should call the Aviva claims line on 0345 030 6945. Alternatively, you can make a claim online via the Aviva website.
As well as having your personal details and policy details to hand, Aviva suggests that you also have the following information ready before making a claim on your landlord insurance:
You may also need to provide the following additional information:
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