Finding the right home insurance can be a daunting task. You want adequate coverage at an affordable price from a provider you can trust. Aviva is one of the top insurance companies in the UK, but how does their home insurance stack up? This comprehensive review will examine Aviva Home Insurance closely to see if it’s best to protect your most valuable asset in 2023.
We’ll explore Aviva’s home insurance options, from building and contents cover to optional add-ons. You’ll learn what’s included and what’s not and see how Aviva’s premiums and customer service compare to competitors. Get the full picture of policy features, claims processes, discounts, and more to see if Aviva Home Insurance is the right fit to safeguard your home.
By the end of this in-depth review of Aviva Home Insurance, you’ll have the information you need to decide if Aviva offers the type of property protection you’re looking for in the new year. Let’s dive in and see if Aviva should be your home insurer of choice for 2023.
- Aviva offers both buildings and contents insurance, with optional add-ons available like accidental damage and home emergency cover.
- Standard features include cover for fire, flood, theft, subsidence, and more, up to the limits of your chosen policy.
- Premiums are competitive with other top providers, with additional discounts for home security systems.
- The claims process is straightforward – claims can be started online or over the phone and are typically handled within a few days.
- Customer service options are robust, with 24/7 phone support, online chat, and a customer app to manage your policy.
- Aviva has strong financial backing and a reputation as one of the leading insurers in the UK.
- Policy terms can be customized with different excess amounts and cover limits to suit your budget and needs.
- Overall, Aviva Home Insurance provides comprehensive cover and good value, making it a solid choice for protecting your property.
- Your location, property type, and personal history will impact your premiums and eligibility.
- It’s important to compare across insurers to find the best value home insurance for your specific situation.
Table of Contents
What is Aviva Home Insurance as a product?
Aviva Home Insurance presents a comprehensive solution encompassing buildings and contents insurance. With Aviva, customers can choose from two insurance policy options: Aviva Online and Aviva Premium, which cater to the needs of different homeowners.
These policies offer the flexibility to combine or separate contents and building insurance based on individual requirements. To further tailor their coverage, Aviva offers a range of optional extras.
Premium payments can be made in convenient monthly installments or as an annual lump sum. Aviva Home Insurance protects your home against various perils such as fire, flood, storm, theft, and unforeseen events. In the unfortunate event of a loss or damage, customers can easily file a claim by logging into their account and following the instructions.
Aviva’s comprehensive protection extends beyond the basics, offering many coverage benefits, including the unique feature of disappearing deductibles.
What are the most important parts of Aviva Home Insurance, and how does it help?
Aviva Home Insurance offers a diverse array of features and benefits to ensure the protection of your home and cherished belongings. Let’s delve into some of the prominent features that set Aviva Home Insurance apart:
Standard Policy: Aviva’s Classic policy includes essential coverage such as burst pipes, subsidence, blockage of sewage pipes, and key cover as standard.
Optional Add-Ons: Tailor your policy with optional add-ons, including no-claims discount protection, accidental damage cover, and access to legal services.
Emergency Cover: Be prepared for unforeseen emergencies with Aviva’s comprehensive emergency cover. From broken locks to heating system breakdowns, burst pipes to roof repairs, Aviva has you covered.
Contents Insurance: Aviva understands the significance of your possessions. Their contents insurance safeguards your belongings within your home or garden. Coverage extends to money kept at home, food in your fridge and freezer, and much more.
Cover Limits: Aviva Home Insurance policies offer varying cover limits to accommodate different claims, ensuring adequate protection for accidental damage, personal possessions, and more.
Protection Against Injuries or Property Damage: Aviva Home Insurance goes beyond the norm by covering the cost of lost rent or providing alternative accommodation. Additionally, it offers protection against injuries or property damage.
Aviva Home Insurance provides comprehensive coverage for your home and belongings, allowing you to customize your policy with optional add-ons that align with your needs. Rest easy knowing that Aviva has your back regarding safeguarding what matters most.
What are Differentiating factors that make Aviva stand out?
Aviva Home Insurance sets itself apart from other providers through various distinguishing factors. Let’s explore some of these key features:
Two Levels of Policies: Aviva offers two comprehensive insurance policies: Aviva Online and Aviva Premium. Both options include the flexibility of contents and building insurance, providing comprehensive coverage for your home.
Customizable Policies: Tailor your home insurance policy with Aviva to fit your specific needs. Whether you require combined contents and building insurance or prefer them separately, Aviva offers the flexibility to customize your coverage. Choose from various optional extras to enhance your policy further.
Efficient Customer Service: Aviva prioritizes customer satisfaction by offering quick and hassle-free customer service. Experience seamless assistance and support whenever you need it.
Online Claims Process: Aviva simplifies claims with their convenient online platform. Lodge your home insurance claims effortlessly, following their user-friendly online process.
Cover Limits: Aviva Home Insurance policies feature varying cover limits, ensuring appropriate protection for claims, including accidental damage and personal possessions.
It is important to note that Aviva has recently adjusted its insurance premiums in response to prevailing high inflation. Despite this, Aviva’s home insurance policies are designed to accommodate various budgets, ensuring accessibility for many homeowners.
What are the insurance coverages provided by Aviva?
Aviva Home Insurance offers comprehensive coverage for various events and circumstances that may result in property damage or loss. Let’s take a closer look at the insurance coverages provided by Aviva:
Property and Belongings Damage: Aviva Home Insurance safeguards your property and belongings against damage caused by fire, theft, subsidence, and flooding. This coverage extends to garages, outbuildings, and the contents within.
Cost of Alternate Accommodation: If your home becomes uninhabitable due to a covered incident, Aviva Home Insurance covers the cost of lost rent or provides an alternative place to stay.
Injury and Property Damage Protection: Aviva Home Insurance protects against injuries and property damage, ensuring financial security in unforeseen circumstances.
Emergency Coverage: Aviva Home Insurance includes coverage for various emergencies, ranging from broken locks to heating system breakdowns and emergency repairs for burst pipes and roofs.
Optional Personal Belongings Cover: By opting for personal belongings cover, you can enjoy insurance coverage for your possessions worldwide.
Optional Add-Ons: Aviva offers optional add-ons to enhance your home insurance policy, including no-claims discount protection, accidental damage cover, and access to legal services.
It’s important to note that Aviva’s policies are fully customizable, allowing you to adjust the maximum coverage limit for each item insured. Additionally, Aviva offers a range of optional extras, enabling you to tailor your home insurance policy to your specific needs and preferences.
Coverage for both buildings and contents insurance
Aviva Home Insurance offers extensive coverage for both buildings and contents insurance. Let’s delve into the key aspects:
Complete Protection for Your Home: Aviva Home Insurance protects your home from the inside out, providing coverage for the building structure and your valuable belongings.
Flexible Policy Options: Aviva offers two levels of policies, standard and premium, with the flexibility to customize your coverage by choosing from a range of optional extras. This allows you to tailor your policy to suit your unique requirements.
Combine or Separate Coverages: With Aviva, you can combine contents and building insurance or select them separately based on your specific needs and circumstances.
Comprehensive Coverage: Aviva’s coverage extends comprehensively to both buildings and contents. The unlimited cover is available for properties built from brick, stone, slate, or tiles with up to five bedrooms, ensuring adequate protection for your valuable assets.
Customizable Coverage Limits: Aviva’s policies are fully customizable, allowing you to adjust the maximum coverage limit for each item covered. This ensures that you have adequate protection for your specific possessions.
Cover for Personal Belongings: Aviva also provides policies that cover items you carry outside your home, such as mobile phones, laptops, and jewelry. This offers peace of mind even when you’re on the go.
Seamless Claim Experience: Aviva’s home insurance coverage is designed to provide support during unexpected events. Their streamlined claim process helps you get back on track with your daily life as smoothly as possible.
Aviva Home Insurance offers comprehensive coverage for buildings and contents, allowing you to customize your policy with optional extras. This ensures you have the protection to safeguard your home and belongings.
Overview of optional extras and add-ons available
Aviva Home Insurance offers a range of optional extras and add-ons to enhance your policy for an additional premium. Let’s explore some of the options available:
Protect Your No-Claim Discount: Safeguard the benefits of maintaining a no-claim discount over several years, ensuring that a single claim doesn’t erase your progress.
Legal Services: Avail up to £100,000 in legal costs and a 24/7 helpline, providing peace of mind and expert assistance when needed.
Home Emergency: Enjoy the security of coverage for home emergencies, including parts and materials up to £1,000 with no excess and alternative accommodation up to £1,000 with no excess.
Accidental Damage: Protect your home and belongings against accidental damage, providing financial support in unforeseen situations.
Personal Belongings Cover: Extend coverage for your personal belongings beyond the confines of your home, ensuring protection anywhere in the world.
Home Emergency Cover: Obtain comprehensive coverage for various emergencies, such as plumbing issues or pest infestations, helping you navigate unexpected challenges.
Legal Disputes Cover: Receive support in legal disputes, covering the costs involved in pursuing or defending your rights, including family members residing with you.
Bicycle Cover: Secure your bicycles against theft, provided they are properly secured when left unattended in your garden.
No Claims Discount Protection: Safeguard your hard-earned no-claims discount, ensuring its protection even if you need to make a claim.
It’s important to note that Aviva’s policies are fully customizable, allowing you to adjust the maximum coverage for each item covered. Additionally, Aviva offers a diverse range of optional extras, enabling you to personalize your home insurance policy according to your specific needs and preferences.
How much is Aviva property insurance?
The cost of Aviva Home Insurance varies depending on several factors, including the level of coverage, location, and optional extras. Here are some details about the cost of Aviva Home Insurance:
- Starting price: Aviva Home Insurance starts from just £160. However, this is a starting price; the actual cost will depend on your circumstances.
- Exclusions: The starting price of £160 excludes optional extras.
- Customization: Aviva offers a variety of optional extras that allow you to customize your home insurance policy. The cost of these optional extras will be added to your premium.
- Payment: Premiums can be paid in monthly installments or as an annual lump sum. A 6% administration charge is applied each month if you pay monthly.
It’s important to consider your circumstances when determining Aviva Home Insurance’s cost. You can visit Aviva’s website and fill out their quote form for an accurate quote.
What is the difference in coverage between Aviva Online and Aviva Premium policies?
Aviva Home Insurance provides two levels of policies: Aviva Online and Aviva Premium. Here are the coverage differences between the two policies:
Aviva Online Policy:
- Covers both contents and building insurance options.
- You can combine contents and building insurance or take them out separately based on your needs.
- Covers valuables up to £10,000.
- Provides coverage for single valuables up to £2,000.
- Covers personal money up to £750.
- Offers coverage for home office equipment up to £5,000.
- Covers contents temporarily removed from home up to £5,000.
Aviva Premium Policy:
- Includes all the coverage Aviva Online provides, with a few additional features.
- Provides coverage for contents and buildings as standard.
- Covers accidental damage to your home and its contents as standard.
- Offers coverage for garden contents up to £2,500.
- Provides coverage for loss or damage to keys and locks up to £1,000.
- Covers alternative accommodation up to £100,000.
- Includes coverage for trace and access up to £5,000.
- Includes home emergency assistance as standard.
Please note that the specific coverage and cost of Aviva Home Insurance policies can vary depending on your individual circumstances. It’s important to consider your needs and consult with Aviva for accurate information regarding coverage and pricing.
What factors affect Aviva insurance for homeowners’ Premiums?
Several factors can impact the premiums for Aviva Home Insurance policies. Here are some key factors that can influence the cost of your Aviva Home Insurance premiums:
The level of coverage you select, whether it’s Aviva Online or Aviva Premium, will directly affect the cost of your premiums. Each policy option comes with different coverage features and pricing.
Location: The location of your home plays a role in determining the cost of your premiums. If your property is situated in an area with a higher risk of theft or natural disasters, your premiums may increase due to increased potential claims.
Value of your home and belongings: The value of your home and belongings is another significant factor influencing premium costs. The higher your property and possessions value, the higher your premiums will likely be.
Aviva offers a range of optional extras, allowing you to customize your home insurance policy according to your specific needs. Adding these optional extras to your policy will increase the overall cost of your premiums.
Payment method: The method you choose for premium payment can impact the cost. Opting for monthly payments may incur a 6% administration charge each month, subject to the Insurance Premium Tax paid by Aviva and not the customer.
Claims history: Your claims history can affect the cost of your premiums. If you have a track record of making claims, insurers may perceive you as a higher risk, resulting in potentially higher premiums.
It’s important to remember that the cost of Aviva Home Insurance premiums varies depending on individual circumstances. To obtain an accurate quote tailored to your needs, visit Aviva’s website and complete their quote form.
Aviva House Insurance Review: What Customers Say
Aviva Home Insurance elicits a variety of responses from customers, resulting in mixed reviews. Let’s explore what customers say about Aviva Home Insurance:
Trustpilot says Aviva boasts a score of 4.5 out of 5, with over 26,600 online reviews. Impressively, 75 percent of these reviews award Aviva a five-star rating. Customers value Aviva’s clear communication, efficient claims handling, and overall customer service.
However, some customers express less favorable sentiments, primarily focusing on claims processing or policy pricing issues.
While Aviva’s customer service is often described as quick and user-friendly, the same cannot be said for their website. It appears that not all of Aviva’s home insurance policies are conveniently accessible in one place, hindering customers’ ability to obtain information with ease.
Moreover, some customers are dissatisfied with Aviva’s customer service, highlighting concerns about its quality and responsiveness.
This sentiment extends beyond home insurance, as negative reviews regarding Aviva’s car insurance can be found on InsurEye, an independent car insurance website. Customers frequently cite poor customer service as their primary grievance.
In summary, Aviva Home Insurance garners mixed reviews from customers.
While many appreciate the insurer’s clear communication, efficient claims handling, and overall customer service, others raise concerns related to claims processing, policy pricing, and the user-friendliness of Aviva’s website. It is important to consider these aspects when evaluating Aviva as an insurance provider.
Analysis of Positive Feedback and Testimonials
Aviva Home Insurance has garnered various customer reviews, resulting in a mixed reception. However, it is worth noting that some customers have expressed positive sentiments and shared favorable experiences with Aviva Home Insurance. Here are some of the positive testimonials and feedback customers provide:
Many customers appreciate Aviva’s commitment to clear communication, efficient claims handling, and overall customer service. NimbleFins has recognized Aviva for its exemplary customer service experience.
Customers have found Aviva’s customer service quick, easy to use, and readily available. The company’s claims process is often straightforward, with helpful support.
Aviva’s customer personnel have been commended for their helpfulness in addressing customer inquiries, answering questions, and providing guidance throughout the claims process.
In summary, while Aviva Home Insurance has received mixed reviews, it is important to acknowledge that some customers have expressed positive feedback and testimonials. These customers highlight Aviva’s strengths in clear communication, efficient claims handling, and helpful customer service.
Common Concerns or Criticisms
Aviva Home Insurance has faced criticisms and customer concerns regarding various aspects. However, the company has taken steps to address these issues. Here are some of the common criticisms and concerns raised by customers, along with Aviva’s corresponding efforts:
Claims processing: Some customers have expressed dissatisfaction with Aviva’s claims processing. Aviva has introduced a quick and user-friendly online claims process to tackle this concern, streamlining the overall experience.
Customer service: Aviva has received criticism regarding its customer service, although it’s important to note that other customers have praised Aviva for its clear communication, efficient claims handling, and overall customer service. To address this concern, Aviva has focused on providing helpful customer service personnel who can assist customers, answer their questions, and guide them through the claims process.
Website usability: Some customers have voiced dissatisfaction with Aviva’s website, stating that it needs a comprehensive display of all home insurance policies, making it easier to access information conveniently. Aviva has addressed this concern by ensuring accurate and up-to-date information is readily available through its team of researchers and writers.
Limited coverage: Aviva’s standard buildings policy has limitations, excluding properties with more than five bedrooms or those constructed from materials other than bricks, slate, or stone. However, to address this concern, Aviva offers a range of optional extras that provide more tailored protection.
These extras include coverage for accidental damage, personal belongings, and no claims discount protection, allowing customers to customize their policies for enhanced coverage.
In summary, while Aviva Home Insurance has faced customer criticisms and concerns, the company has taken proactive steps to address these issues. These measures include introducing an online claims process, providing helpful customer service personnel, ensuring accurate information on their website, and offering optional extras for tailored protection.
Making a Claim with Aviva Property Insurance
How to make a claim, step-by-step Guide
Here is a step-by-step guide outlining the process of making a claim with Aviva Home Insurance:
Notify Aviva promptly: In the event of a claim, it is essential to inform Aviva immediately. This can be done by contacting Aviva at 0345 030 7360 or visiting aviva.co.uk/make-a-claim.
Provide relevant information: You must furnish Aviva with essential details concerning the incident that gave rise to the claim. This may encompass information about the damage or loss, the date and time of the occurrence, and any other pertinent information.
Submit supporting documentation: It may be necessary to submit supporting documents to Aviva to validate your claim. These documents might include receipts, photographs, and other pertinent records.
Await Aviva’s response: After submitting your claim, Aviva will undertake a review and endeavor to respond to you as promptly as possible. In certain cases, Aviva may need to conduct further investigations before deciding.
Receive payment: Aviva will provide the appropriate payment for the damages or loss covered by your policy if your claim is approved. The precise payment amount will be determined by the terms and conditions of your policy and the extent of the damages or loss incurred.
In summary, making a claim with Aviva Home Insurance is straightforward. By promptly notifying Aviva, providing necessary information and supporting documents, waiting for Aviva’s response, and receiving payment upon claim approval, you can efficiently navigate the claim process.
Available channels for submitting a claim
Aviva Home Insurance provides multiple options for submitting a claim. Here are the available channels:
Online: To make a claim online, you can log in or register to MyAviva and follow the provided instructions.
Phone: You can contact Aviva at 0345 030 7360 to initiate your claim over the phone.
Aviva offers convenient ways for policyholders to submit their claims using these channels.
Explanation of the Claims Timeline
The duration of the claims process may differ based on the claim’s complexity and the severity of the damages or loss. Nonetheless, Aviva strives to handle claims promptly and will provide regular updates regarding your claim’s progress.
Aviva Buildings And Contents Insurance: Optional Extras and Add-Ons
Aviva Home Insurance provides a range of optional extras and add-ons that can be added to your policy for an extra fee on your premium. Here are some of the available options:
- Accidental Damage: This coverage protects against unintentional damage to your home and belongings, such as spills or broken windows.
- Home Emergency: This option covers the cost of emergency repairs, such as burst pipes or boiler breakdowns.
- Personal Belongings Cover: This coverage protects your personal belongings inside and outside your home, including jewelry and electronics.
- Legal Services: Aviva offers legal advice and support for home-related issues, including disputes with neighbors or tenancy agreements.
- No Claims Discount Protection: This feature safeguards your no-claims discount if you need to make a claim.
- Large-Sum Single Item: Aviva includes this option as standard, providing coverage for high-value items like jewelry or artwork up to a certain limit.
- Bicycle Cover: Aviva provides coverage for your bicycles, protecting them against theft or damage,, whether inside or outside your home.
- Home Sharing Insurance: Aviva offers insurance specifically designed for homeowners renting out their properties on platforms like Airbnb. This coverage protects your home during rental periods.
- Additional Structures Coverage: Aviva’s policies include coverage for other structures on your property, such as sheds or garages, ensuring they are protected against various risks.
- Business Insurance: Aviva also offers comprehensive insurance options for businesses of all sizes. Whether you have a small, medium, or large business, Aviva provides coverage options that include liability coverage, property coverage, and more.
Aviva’s policies are fully customizable, allowing customers to adjust the maximum insured amount for each covered item. They offer two levels of insurance policies, namely Aviva Online and Aviva Premium, both of which include contents and building insurance options.
How add-ons enhance the coverage
Optional Add-Ons or Extras: Aviva offers a range of optional add-ons or extras that can enhance the coverage of your standard home insurance policy. These add-ons allow homeowners to broaden the scope of protection against various perils.
Customizable Coverage: By opting for these add-ons, policyholders can customize their home insurance policy according to their specific needs and preferences. This allows them to tailor the coverage to suit their requirements.
Expanded Protection: These optional add-ons provide an expanded level of protection, ensuring homeowners have coverage for a wider range of risks and perils. With a small increase in premiums, policyholders can enhance their policies to provide additional peace of mind.
Aviva policies for home coverage: Policy Documents and Terms
Importance of reviewing policy documents
Reviewing your policy documents to ensure that you have the appropriate coverage for your home insurance policy is crucial. Here are some key reasons why this step is important:
Ensuring Adequate Coverage: Reviewing your policy documents allows you to verify that you have the right insurance policy with sufficient coverage for your home’s structure and contents. This ensures you are well-protected.
Identifying Discounts: Conducting an annual insurance review lets you identify discounts on your homeowners’ policy. This helps you maximize savings and ensure you are receiving all eligible discounts.
Understanding Your Coverage: By reviewing your policy documents, you clearly understand what your policy covers and does not cover. This knowledge helps you make informed decisions regarding your insurance needs.
Evaluating Your Policy: Regularly reviewing your policy documents allows you to evaluate your coverage as your needs evolve. This ensures that your policy continues to align with your changing circumstances.
Identifying Gaps in Coverage: Through the review process, you can identify any gaps in your coverage that may expose you to risks. You can make necessary adjustments to fill these gaps and enhance your protection by recognizing them.
Checking for Errors: Reviewing your policy documents helps you identify and correct any errors or inaccuracies that may be present in your policy. This ensures that your coverage accurately reflects your intended protection.
Ensuring Affordability: By reviewing your policy documents, you can assess whether your current policy remains affordable and cost-effective. This ensures you pay only what is necessary for your coverage and helps you maintain your financial balance.
Common terms and conditions in Aviva House Insurance policies
Aviva Home Insurance policies have specific terms and conditions that policyholders should know. These conditions include:
Keeping Your Property in Good Condition: Maintaining your property in good condition is essential to ensure coverage in the event of a claim.
Maximum Sum Insured: Aviva’s standard buildings policy offers an unlimited maximum sum insured, with certain exceptions for properties with more than five bedrooms or constructed using materials other than bricks, slate, or stone.
Optional Extras: Aviva provides optional extras or add-ons that can be added to your home insurance policy for an additional premium. These extras include coverage for accidental damage, personal belongings up to a specified value, and your No Claims Discount protection.
Fully Customizable Policies: Aviva’s policies allow policyholders to adjust the maximum insured amount for each covered item.
Two Levels of Insurance Policies: Aviva offers two insurance policies, Aviva Online, and Aviva Premium, which provide comprehensive coverage for contents and building insurance.
Coverage for Common Occurrences: Aviva’s policies cover common occurrences such as fire, wind, and hail damage, theft, and specific types of water-related damage.
No Claim Discount (NCD): Aviva offers a No Claim Discount (NCD) to policyholders who maintain a claim-free record. This discount can be protected through an optional add-on.
In summary, Aviva Home Insurance policies include important terms and conditions related to property maintenance, maximum sum insured, optional extras, policy customization, two levels of insurance, coverage for common occurrences, and the No Claim Discount (NCD).
Where to find and access policy documents
Aviva Home Insurance policyholders have various options to find and access their policy documents. Here are the different ways to retrieve these documents:
Self-Service Centre: Policyholders can conveniently view their Home Insurance policy documents by logging into the self-service center.
My Documents: Accessing policy documents is as simple as navigating to the My Documents section and selecting the Insurance folder. From there, policyholders can choose their most recent homeowners policy.
Declarations Page: The declarations page holds crucial information for understanding the homeowners’ insurance policy. It includes details such as the insurance company’s name, the policyholder’s name, property address, coverage amounts, deductibles, endorsements, and annual premiums.
Contacting the Insurance Company: Policyholders can directly contact their insurance company and request a copy of their policy documents.
In summary, Aviva Home Insurance policy documents can be accessed through the self-service center, My Documents section, declarations page, or by contacting the insurance company.
Aviva House Insurance: Getting a Quote
Step-by-step process of obtaining a home insurance quote from Aviva
To obtain a quote for Aviva Home Insurance, follow these steps:
- Visit the Aviva Home Insurance website: Go to https://www.aviva.co.uk/insurance/home-products/home-insurance/.
- Click on the “Get a quote” button: Locate and select the “Get a quote” button on the website.
- Enter your personal details: Provide your personal information, including your name, address, and contact information.
- Enter your property details: Fill in details about your property, such as the type of property, the number of bedrooms, and the year it was built.
- Choose the level of coverage: Select the level you desire, such as Aviva Online or Aviva Premium.
- Select optional extras: Decide whether you want to include any optional extras to enhance your policy, such as accidental damage or personal belongings cover.
- Review your quote: Carefully review the quote provided and make any necessary adjustments or modifications.
- Complete the purchase: Proceed to provide the required payment information to finalize your purchase.
- Receive your policy documents: You will receive your policy documents either via email or by post.
By following these steps, you can obtain a quote for Aviva Home Insurance and receive your policy documents for your reference.
Factors considered when calculating insurance premiums
When determining the premiums for Aviva Home Insurance, several factors are considered. These factors include
Policy type: Aviva offers two levels of home insurance policies, namely Aviva Online and Aviva Premium, which provide options for contents and building insurance coverage.
Maximum sum insured: The maximum sum insured for buildings and contents coverage can vary based on the specific policy type and eligibility criteria.
Optional extras: Policyholders can include additional coverage through optional extras or add-ons, which may incur an additional fee on the premium.
Property type: The type of property owned can impact insurance premiums. Certain factors, such as the number of bedrooms or the construction materials used, may affect eligibility for Aviva’s standard buildings policy.
Valuables: If you require coverage for valuable items, Aviva offers an option for a large-sum single item, which is included as a standard feature in the policy.
Customization: Aviva’s home insurance policies are fully customizable, allowing customers to modify the maximum insured amount for each item covered according to their needs.
Customer reviews: Aviva’s premiums may also consider customer reviews regarding their customer service and claims to handle, as these reviews can influence the overall perception of the company.
In conclusion, when calculating home insurance premiums, Aviva considers several factors, including policy type, maximum sum insured, optional extras, property type, valuables coverage, customization options, and customer reviews.
Tips for obtaining the most accurate quote
To ensure you receive the most accurate Aviva Home Insurance quote, consider the following tips:
Compare policies: It’s crucial to compare different home insurance policies to find the best deal and coverage that suits your needs.
Check eligibility criteria: Familiarize yourself with the eligibility criteria for each policy to ensure you meet the requirements before applying for a quote.
Understand coverage: Take the time to understand what is covered under the policy you are considering. Aviva’s website provides details on standard coverage and optional extras.
Review the small print: Carefully read the fine print of any policy to gain a comprehensive understanding of the terms and conditions.
Consider excess and no-claims discounts: Some policies offer discounts for higher excess amounts or for maintaining a no-claims history. Take these factors into account when comparing policies.
Utilize online resources: Aviva’s website offers a chatbot and customer service number for general inquiries. Additionally, you can use third-party websites to obtain anonymous home insurance quotes.
Assess customer service: Evaluate the insurance provider’s level of customer service. Aviva’s customer service has received positive ratings, but checking customer reviews and ratings before deciding is advisable.
Familiarize yourself with the claims process: Understand the procedure for filing a claim under your home insurance policy. Aviva offers an online process that you can follow.
By following these tips, you can ensure a more accurate Aviva Home Insurance quote and make an informed decision regarding your coverage.
Aviva Home Insurance vs. Other Insurance Providers
Here are some alternative insurance providers to consider based on the search results:
Axa Home Insurance: Axa offers separate buildings, contents insurance policies, and combined cover across three tiers. Homeowners have the flexibility to customize their coverage with various optional extras.
Direct Line Home Insurance: Direct Line provides separate buildings and contents insurance policies and combined cover across three tiers. Optional extras are available for homeowners to tailor their coverage. However, the limit for alternative accommodation under building cover may be lower than other providers.
Emerald Home Insurance: Emerald Life acknowledges that Aviva is one of the largest insurers in the UK, and its home insurance policy meets most requirements without standing out. In other words, Aviva is considered a good choice.
Other Insurance Providers in Canada: In Canada, alternative home insurance providers include Intact Insurance, TD Insurance, and Desjardins Insurance.
Which? Home Insurance Providers: Which? has conducted ratings on insurers based on their policies and, whenever possible, customer service. The top-rated providers are John Lewis Finance, NFU Mutual, and Hiscox.
Exploring these alternative insurance providers can help individuals compare options and select the most suitable coverage for their home insurance needs.
Comparison of Aviva with other leading insurance companies
Aviva Home Insurance:
- Offers two tiers of home insurance: Aviva Online and Aviva Premium.
- Provides contents and building insurance options.
- Covers various perils, including fire, explosion, theft, vandalism, fraud, lightning, hail, windstorm damage, and living expenses.
- Includes an option for a large-sum single item as standard.
- Holds a five-star rating from Defaqto.
Axa Home Insurance:
- Provides three tiers of coverage: Axa Home Insurance, Axa Plus, and Axa Premier.
- Offers several optional extras to customize coverage.
- Does not offer a no-claims discount.
- Earns a Trustpilot score of 4.3 out of five.
- Receives a five-star Defaqto rating.
Direct Line Home Insurance:
- Offers contents, buildings, and combined policies across three levels: The Home Insurance, Home Insurance Plus, and Select Premier.
- Does not appear on any comparison website.
- Does not offer a matching set cover.
- Receives a Trustpilot score of 3.8 out of five.
- Holds a five-star Defaqto rating.
Emerald Home Insurance:
- Recognizes Aviva as a recommended choice for home insurance.
- Does not provide a direct comparison with Aviva Home Insurance.
Overall, Aviva Home Insurance provides comprehensive coverage options with its two tiers of policies. Axa Home Insurance and Direct Line Home Insurance offer multiple policy tiers and optional extras. Emerald Home Insurance acknowledges Aviva as a favorable choice for home insurance.
|Insurance Company||Price||Coverage||Customer Service|
|Aviva Home Insurance||Affordable, with two levels of policies to suit budgets||Comprehensive coverage for home insurance, including contents and building insurance options||No claims discount not available, and long wait times for the emergency claims department|
|Axa Home Insurance||Offers optional extras for tailored cover||Provides separate buildings and contents insurance policies and combined cover across three tiers||No claims discount not available, and long wait times for the emergency claims department.|
|Direct Line Home Insurance||Provides policies for contents, buildings, and combined coverage||It does not appear on any comparison website and no coverage for matching sets||It does not appear on any comparison website, and no coverage for matching sets|
|Emerald Home Insurance||No direct comparison provided|
Highlighting the unique advantages of Aviva over Competitors
- Offers large-sum single-item coverage as a standard feature, protecting expensive valuables.
- Provides fully customizable policies, allowing customers to adjust the maximum insured amount for each covered item.
- Offers a range of optional extras, enabling homeowners to personalize their home insurance policy.
- Holds a five-star rating from Defaqto, indicating the high quality of its home insurance.
- It is recognized as the first major insurer to receive the Ethical Company Award from the Good Shopping Guide.
Overall, Aviva Home Insurance stands out for its customization options, extensive selection of optional extras, and commitment to ethical practices. Including coverage for expensive valuables through the large-sum single-item option makes it a unique and appealing choice for homeowners.
Aviva insurance for homeowners for Existing Aviva Customers
Login or registration process for Aviva existing customers
Existing Aviva customers can easily access their insurance, savings, and investment policies in one place through the MyAviva platform. Here are some relevant details:
- MyAviva is the platform for Aviva customers to view and manage their policies, including home insurance.
- To register for MyAviva, customers can visit the MyAviva login page on the Aviva website.
- Aviva supports customers regarding the login or registration processes through their online chatbot or home insurance customer service.
- Independent Advisor’s review highlighted that Aviva’s website could improve user-friendliness. Not all of Aviva’s home insurance policies are easily accessible in one place for customers to find information conveniently.
- Customers who have registered for MyAviva can access their platform account and any other Aviva policies they hold, such as home or car insurance.
- Customers can obtain a quote for Aviva Home Insurance by visiting the Aviva website.
Benefits and discounts available for Aviva policyholders
Aviva policyholders can access various benefits and discounts. Here are some relevant details:
- Aviva policyholders can benefit from Get Active, which supports fitness and well-being goals. This service provides discounts on gym services, lifestyle products, and more.
- The Combined Policy Discount for Aviva policyholders has been increased from 15% to 20%.
- Aviva offers a loyalty discount for customers who have both home and motor insurance with them. This discount gives customers a 15% reduction when purchasing the second policy.
- Aviva Health providers receive a generous compensation package, which includes a competitive salary, full benefits, 403b employer-matched retirement, CME stipend, paid time off (PTO), paid holidays, and licensure reimbursement.
- Aviva’s home insurance policies are fully customizable, allowing customers to adjust the maximum insured amount for each item covered according to their specific requirements.
In summary, Aviva policyholders can take advantage of discounts on fitness and well-being services, loyalty discounts, and Combined Policy Discounts. Aviva Health providers benefit from a comprehensive compensation package. Aviva’s home insurance policies also offer full customization options to cater to individual needs.
Exploring the integration of home insurance with other Aviva products (e.g., car insurance),
Aviva provides discounts for customers who bundle their home and motor insurance policies. Here are some relevant details:
- Aviva offers a loyalty discount for customers with home and motor insurance. This discount grants customers a reduction of 15% when they purchase the second policy.
- Aviva’s home insurance policies are fully customizable, allowing customers to adjust the maximum insured amount for each item covered according to their specific requirements.
- Aviva offers a diverse range of home insurance products to cater to the needs of different clients.
- Policyholders can save on auto insurance premiums through discounts that reward them for bundling their home and car insurance policies.
- Aviva’s home insurance provides combined contents and building cover, allowing customers to choose them separately.
- Customers can utilize Aviva’s online chatbot or contact their home insurance customer service via phone for general inquiries.
In summary, Aviva offers discounts for customers who bundle their home and motor insurance policies.
They provide customizable home insurance policies, various options to meet client needs, and savings opportunities for combining auto and home insurance. Customers can choose between combined or separate contents and building covers. Aviva offers accessible customer support through their online chatbot and home insurance customer service.
Aviva Residential Insurance: Home Emergency Cover
Aviva Home Insurance includes Home Emergency Cover as a standard feature in all HomeChoice policies. Here are some relevant details:
- Home Emergency Cover offers additional peace of mind for Aviva HomeChoice policyholders.
- Aviva Insurance Limited provides the Home Emergency Cover, and HomeServe Membership Limited administers claims.
- This cover protects homes from unexpected events such as broken boilers, burst pipes, etc.
- Aviva’s Home Emergency Cover provides three different levels of coverage to choose from. The most basic policy includes coverage for boiler problems at the property.
- The policy document states that Home Emergency Cover is also available for mobile or park homes.
- Aviva Direct Home Insurance provides protection against loss or damage to buildings and contents, encompassing risks such as fire.
In summary, Aviva Home Insurance ensures that Home Emergency Cover is included as a standard feature in all HomeChoice policies.
This cover offers assistance in various emergencies, such as boiler issues or pipe bursts. Aviva offers different levels of coverage for Home emergencies and extends this coverage to mobile homes or park homes. Aviva Direct Home Insurance protects against losses, including fire incidents.
Types of emergencies covered under the policy
Aviva’s Home Emergency Cover offers protection against various emergencies. Here are some relevant details:
- Aviva’s Home Emergency Cover provides additional peace of mind for HomeChoice policyholders.
- The specific types of emergencies covered under Aviva’s Home Emergency Cover are not specified in the policy document.
- This cover protects homes from various events, including broken boilers, burst pipes, and more.
- Aviva’s Home Emergency Cover offers different levels of coverage to choose from. The most basic policy includes coverage for boiler problems at the property.
- On the other hand, Halifax’s Home Emergency Cover protects against the cost of repairs that may not typically be covered by standard home insurance.
- Aviva Direct Home Insurance offers protection against loss or damage to buildings and contents, including risks such as fire.
Procedures to follow in case of a home emergency
Here are the procedures to follow in the event of a home emergency with Aviva Home Insurance:
- To initiate a claim for a home emergency, customers can contact Aviva directly at 0345 300 3346. The helpline is available 24/7, 365 days a year.
- Aviva takes care of insurance administration and manages claims for most situations. However, for Home Emergency Cover, the administration of claims is handled by HomeServe Membership Limited.
- Aviva’s Home Emergency Cover is designed to provide additional peace of mind specifically for HomeChoice policyholders.
- Aviva Direct Home Insurance offers comprehensive protection against loss or damage to buildings and contents, including coverage for fire-related incidents.
- Aviva Private Clients Ultra 50 Home Insurance Target includes a home emergency service in case of a complete failure or breakdown of primary heating systems, electricity supply systems, or permanently installed fixtures.
Customers facing a home emergency can contact Aviva’s dedicated helpline anytime for assistance.
Aviva manages insurance administration and claims, except for Home Emergency Cover, which HomeServe Membership Limited handles. HomeChoice policyholders benefit from the added protection of Aviva’s Home Emergency Cover. Aviva Direct Home Insurance provides coverage for various risks, including fire incidents.
Aviva Private Clients Ultra 50 Home Insurance Target also offers a specialized home emergency service for critical failures or breakdowns of essential systems and fixtures.
Aviva Buildings Insurance: Comprehensive Protection
Aviva Buildings Insurance provides comprehensive protection for customers’ homes. Aviva Direct Home Insurance safeguards against loss or damage to buildings and contents, including coverage for fire-related incidents.
Aviva Home Insurance offers combined contents and building cover, allowing customers to select them separately. Aviva Buildings Insurance covers customers for the cost of rebuilds and repairs in case of property damage caused by fire, theft, subsidence, and flooding. Aviva Home Insurance protects customers’ homes inside and out, encompassing buildings and belongings.
Aviva handles the administration of customers’ insurance, including claims, except for Home Emergency Cover, which HomeServe Membership Limited manages.
Features and benefits specific to Aviva Buildings Insurance
Aviva Buildings Insurance covers the cost of damage or destruction resulting from fire, theft, subsidence, and flooding.
Customers can customize their policies with Aviva to adjust the maximum insured amount for each covered item. Aviva extends an unlimited sum insured option specifically for homes with up to five bedrooms.
Their Buildings Insurance is designed to accommodate various budgets, offering two levels of policies to choose from.
Additionally, Aviva’s Buildings Insurance includes optional features that customers can incorporate into their policy for added protection.
Insurance From Aviva For Your Home: Cover as Standard
- Buildings cover: Aviva’s standard coverage protects against loss or damage to buildings caused by various events, including fire, lightning, explosion, storm, flood, theft, subsidence, and more.
- Contents cover: Aviva’s standard coverage protects customers’ belongings from damage and loss due to theft, fire, and flooding.
- Unlimited sum insured: Aviva offers unlimited coverage for homes with up to five bedrooms.
- Key cover: Aviva’s standard policy, Classic, includes key cover as a standard feature.
- Optional add-ons: Aviva provides optional features that customers can add to their policy, such as accidental damage cover, personal possessions cover, home emergency cover, and legal services cover.
Personal Belongings Coverage
- Aviva Home Insurance offers Personal Belongings coverage as an optional extra.
- This coverage provides wider protection for belongings worldwide.
- It includes personal items with a single article limit of £2,000.
- Separate cover is available for higher-value items.
- Personal money is covered up to £750.
- Aviva’s Content Coverage includes coverage for personal belongings.
- It also covers the contents of children living away from university and parents/dependents in long-term care.
- Customers can choose coverage for Accidental Damage and Personal Belongings.
- Aviva Home Insurance protects customers’ homes inside and out, covering their buildings and belongings.
- The insurance includes an unlimited sum insured for homes with up to five bedrooms.
Protection for items inside and outside the home
- Aviva Home Insurance protects items inside and outside the home.
- Aviva’s standard Buildings cover protects customers against loss or damage to buildings caused by various events such as fire, smoke damage, theft, subsidence, and flooding.
- Aviva Direct Home Insurance safeguards against loss or damage to buildings and contents, including fire.
- Aviva’s building insurance covers the cost of damage or destruction caused by fire, theft, subsidence, and flooding.
- Aviva Home Insurance offers comprehensive coverage for customers’ homes, protecting their buildings and belongings.
- Customers can choose combined contents and building covers, allowing them to customize their policy based on their needs.
- In addition to the standard coverage, Aviva provides optional features that customers can add to their policy to enhance their protection.
Conditions and limits for personal belongings coverage
- Personal items coverage: Aviva Home Insurance provides coverage for personal items up to £2,000 for any one item, and additional cover can be obtained for items exceeding this value.
- Cash coverage: Aviva Home Insurance offers up to £750 for personal money.
- Single article limit: There is a single article limit of £2,000 for personal items, and a separate cover is necessary for items of higher value.
- Sum insured: Customers can cover all items under one sum insured as long as the individual value of any item does not exceed the single article limit of £1,500 (£2,500 with the Personal Belongings option).
- Worldwide cover: Optional personal belongings cover extends insurance coverage to anywhere in the world, protecting against theft, accidental loss, or damage of items like clothing, mobile phones, tablets, handbags, and more.
Optional Extras for Enhanced Protection
- Increased protection: Aviva Home Insurance offers additional protection that can be added to a policy, including the option for a protected no-claims discount.
- Customizable options: Aviva provides a variety of optional extras, allowing customers to customize their home insurance policy. Premiums can be paid monthly or as an annual lump sum.
- Range of optional covers: Aviva Home Insurance offers a selection of optional covers, such as accidental damage cover, gardening cover, caravan cover, and more.
- Two levels of insurance policies: Aviva offers two levels of insurance policies, Aviva Online and Aviva Premium, both including contents and building insurance options. Customers can combine contents and building insurance or select them separately based on their needs.
- Choice of optional covers: With Aviva Home Insurance, customers can choose a range of optional covers to enhance their protection. Options include personal belongings cover, home emergency cover, legal services cover, and more.
Examples of situations where optional extras are beneficial
- Cover for expensive valuables: Adding personal belongings cover to your policy can be beneficial if you have expensive valuables like jewelry or electronics. Aviva offers an option for a large-sum single item included as standard.
- Protection against accidental damage: If you’re concerned about accidental damage to your home or its contents, adding accidental damage cover to your policy can provide peace of mind. This cover can include incidents like spilling red wine on a carpet or breaking a window.
- Emergency repairs: To ensure coverage for emergency repairs, such as fixing a burst pipe or a broken boiler, considering home emergency cover as optional can be beneficial.
- Protected no-claims discount: Adding a protected no-claims discount to your policy can help safeguard your discount and prevent its loss in case of a claim.
- Customization: Opting for optional extras allows you to customize your home insurance policy according to your needs. Aviva provides a variety of optional extras to facilitate customization.
- Read the small print: Before finalizing any home insurance policy, it’s crucial to carefully read the small print and check for any exclusions or limitations that may apply.
How optional extras can be added to an Aviva Home Insurance policy
- Aviva’s variety of optional extras: Aviva offers a range of optional extras that can be added to enhance a home insurance policy and increase protection.
- Steps to add optional extras:
- Visit Aviva: Go to the Aviva website or contact Aviva directly to explore the available optional extras for your policy.
- Choose your extras: Select the optional extras that align with your specific needs and requirements.
- Check the cost: Evaluate the cost of the optional extras and ensure they fit within your budget.
- Add the extras: Follow the instructions provided by Aviva to add the selected optional extras to your policy.
- Payment: Pay the extra premium for the optional extras as a lump sum or through monthly installments.
- Reading the small print: Before adding any optional extras to your policy, it’s important to carefully read the small print and check for any exclusions or limitations that may apply.
Customer Service and Support
Overview of Aviva’s Commitment to customer service
- Aviva’s commitment to customer service is dedicated to delivering excellent customer service.
- Values: Aviva’s core values of Care, Commitment, Community, and Confidence shape their approach to customer service.
- Problem-solving: Aviva is committed to resolving customer issues and providing the best possible service. They measure their performance in line with their values.
- Claims service excellence: Aviva strives to deliver exceptional claims service to ensure customer satisfaction.
- Supportive team: Aviva emphasizes the importance of being a supportive team, fostering qualities such as attitude, commitment, responsibility, communication, education, public relations, stewardship, and teamwork.
- Relationship building: Aviva focuses on building strong relationships with its customers, recognizing the value of unique and enduring connections.
Aviva’s commitment to customer service encompasses its values, problem-solving approach, claims service excellence, supportive team mentality, and dedication to building long-lasting customer relationships.
Availability and channels of customer support
- Aviva’s customer service and support: Aviva Home Insurance offers various customer service and support channels.
- Contacting Aviva:
- Email: You can reach out to Aviva by email for any questions regarding your policy, and they will respond to you.
- Phone: Aviva provides a customer service number that you can call to seek assistance with your home insurance policy or file a claim.
- 24/7 helpline: Aviva offers a 24/7 helpline for immediate support in-home emergencies.
- Quick and easy customer service: Aviva’s customer service is designed to be efficient and user-friendly.
- Accessibility of information: While Aviva offers customer service, their website may not have all home insurance policies consolidated for easy access to information.
- Reading the small print: It is essential to carefully read the small print of any home insurance policy and check for exclusions or limitations.
- Aviva’s insurance policies: Aviva offers two levels of insurance policies: Aviva Online and Aviva Premium. Both options include contents and building insurance, allowing customers to combine or select them separately based on their needs.
- Customization with optional extras: Aviva provides a variety of optional extras, giving customers the flexibility to customize their home insurance policies to suit their requirements.
What is the phone number of Aviva Home Insurance?
The customer service phone number for Aviva Home Insurance is 0345 030 7078. The customer service lines are available Monday to Friday from 8 am to 8 pm, Saturday from 8:30 am to 5 pm, and Sunday and bank holidays from 10 am to 4 pm. To make a claim with Aviva Home Insurance, you can call 0345 030 7360.
Frequently Asked Questions
What coverage does Aviva House Insurance provide?
Aviva Home Insurance offers coverage for your belongings, protecting them from damage and loss caused by theft, fire, and flooding. It includes an unlimited sum insured for homes with up to five bedrooms.
What are the available levels of Aviva Property Insurance policies?
Aviva provides two levels of insurance policies: Aviva Online and Aviva Premium. Both policies include options for contents and building insurance. Aviva Premium offers comprehensive coverage, including additional features beyond what Aviva Online provides.
Can I personalize my Aviva Home Insurance policy?
Absolutely! Aviva offers a range of optional extras, allowing you to customize your home insurance policy according to your specific needs and preferences.
How can I reach Aviva customer service?
Aviva Home Insurance customer service can be contacted via email, phone, or online chatbot. You can find their phone number and email address on their website.
How do I file a claim with Aviva Home Insurance?
To make a claim, you can conveniently do so online at aviva.co.uk/make-a-claim. If you’re unsure about your coverage, refer to your policy documents for clarification.
Does Aviva Insurance for homeowners offer a no-claims discount?
Yes, Aviva provides a protected no-claims discount that can be added to your home insurance policy, safeguarding your discount even if you need to make a claim.
How much does Aviva Home Insurance cost?
The cost of Aviva Home Insurance varies depending on several factors, including the level of coverage, location, and optional extras. While the starting price is £160, your specific circumstances will determine the actual cost.
In summary, Aviva Home Insurance provides customers with two policy options: Aviva Online and Aviva Premium, offering content and building insurance coverage. With the flexibility of optional extras, customers can personalize their policies according to their specific requirements.
Aviva’s comprehensive policies protect against various events, including theft, fire, and flooding, ensuring coverage for valuable items, personal money, and home office equipment. Individual circumstances and the chosen coverage level determine Aviva Home Insurance’s cost.
Making claims is convenient through online or phone channels, and Aviva also offers a protected no-claims discount for added benefits. Aviva Home Insurance delivers comprehensive coverage and adaptability to cater to diverse customer needs.
How can I add extra cover to my policy?. https://www.holidayextras.com/help/how-can-i-add-extra-cover-to-my-policy.html
What Factors Impact The Cost of My Auto Insurance? : Farmers Insurance. https://www.farmers.com/learn/insurance-questions/what-impacts-auto-insurance-rates/
You Need to Know if Your Customer Experience Costs You. https://better-business-alliance.org/customer-service/you-need-to-know-if-your-customer-experience-costs-you/
United Kingdom : Aviva launches health records app for International Solutions customers. (2014). MENA Report, n/a.
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