Aviva home insurance review

Formerly known to its UK customers as the Norwich Union, Aviva supplies life insurance, general insurance (such as car and home) and investment products globally.

What you need to know about Aviva's home insurance:

• Charges a cancellation fee of £32.48 (including Insurance Premium Tax)
• Standard single item limit of £2,000 for valuables
• Protected no-claims discount available

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Home And Mobile Insurance

Aviva review

Overall Which? score

Our total score score combines both the Which? Customer Score, ratings from real customers of the provider, and our expert analysis of the provider's policies. The total score is made up of 50% of the Customer Score and 25% each of Buildings and Contents policy scores.

Which? Customer Score

Which?'s rating for customer satisfaction, based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.

Buildings policy score

Which?'s rating of the quality this company's buildings insurance policy. We analysed 32 features of its cover to calculate the policy score.

Contents policy score

Which?'s rating of the quality this company's contents insurance policy. We analysed 46 features of its cover to calculate the policy score.

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Aviva's home insurance policy: is it good or bad?

We analyse and rate the 60 most important elements of standard home insurance policies to come up with the overall policy score. We assess how important each individual element is when choosing and using a home insurance policy, and weight it accordingly when calculating our total policy score. 

Initially, we score all of the product elements out of five, reflecting how competitive each provider is in this area compared to other insurers. Weightings are then applied to the higher and lower element scores to enhance/reduce their impact in the overall product score.

Table last updated in September 2018. Next updated in February 2019.

Most important policy elementsSecondary policy elementsOther policy elements

Policy elements	Details	Rating	Area covered
Interest charged on payment by installments (APR)		2 out of 5	Buildings and contents
Renewal fee (£)		5 out of 5	Buildings and contents
Home emergency cover - standard, optional, not covered?		3 out of 5	Buildings and contents
Home emergency cover (£)		3 out of 5	Buildings and contents
Owner's / Occupier's liability (£)		5 out of 5	Buildings and contents
Accidental damage cover - standard, optional, not covered?		3 out of 5	Buildings and contents
Subsidence - standard, optional, not covered?		5 out of 5	Buildings only
Alternative accommodation (£)		4 out of 5	Buildings only
Burst pipes - standard, optional, not covered?		5 out of 5	Buildings only
Blockage of sewer pipe - standard, optional, not covered?		3 out of 5	Buildings only
Single item limit for valuables - max limit (£)		2 out of 5	Contents only
Contents in the open - within home boundary i.e. garden (£)		2 out of 5	Contents only
Contents in outbuildings - including garages (£)		5 out of 5	Contents only
Theft from outbuildings (£)		2 out of 5	Contents only
Personal Possessions - standard, optional, not covered?		3 out of 5	Contents only
Personal Possessions limit within a car (£)		2 out of 5	Contents only
Pedal cycles - standard, optional, not covered?		3 out of 5	Contents only
Mobile phones - standard, optional, not covered?		3 out of 5	Contents only
Does mobile phone cover include calls?		3 out of 5	Contents only

Policy element	Details	Rating	Area covered
Insurer pays switching fees? (£)		0 out of 5	Buildings and contents
Adjustment fee (£)		4 out of 5	Buildings and contents
Cancellation fee (£)		2 out of 5	Buildings and contents
Duplicate document fee (£)		5 out of 5	Buildings and contents
Standard level of excess (£)		2 out of 5	Buildings and contents
Subsidence excess (£)		3 out of 5	Buildings only
24 hour emergency helpline - standard, optional, not covered?		5 out of 5	Buildings and contents
Are repairs guaranteed under home emergency cover? (Yes/No)		5 out of 5	Buildings and contents
Gradual build up of ground water covered?		0 out of 5	Buildings and contents
Garden cover - standard, optional, not covered?		5 out of 5	Contents only
Storm damage to fences - standard, optional, not covered?		0 out of 5	Buildings only
Trace and access limit (£)		3 out of 5	Buildings only
Pedal cycle away from home (£)		4 out of 5	Contents only
TV or AV equipment accidental damage - standard, optional, not covered?		3 out of 5	Contents only
Is money covered - standard, optional, not covered?		3 out of 5	Contents only
Money in the home (£)		4 out of 5	Contents only
Money away from the home (£)		4 out of 5	Contents only
Digital information in the home (£)		5 out of 5	Contents only
Students contents in digs covered - standard, optional, not covered?		5 out of 5	Contents only
Home removal insurance - standard, optional, not covered?		5 out of 5	Contents only
Cover level for loss of keys (£)		3 out of 5	Buildings only
Cover level for loss of keys (£)		3 out of 5	Contents only
Cover level for theft of keys (£)		3 out of 5	Buildings only
Cover level for theft of keys (£)		3 out of 5	Contents only
Is boiler cover included - home emergency cover?		5 out of 5	Buildings and contents
Boiler cover - parts and repairs included?		5 out of 5	Buildings and contents
Boiler cover - call-outs included?		5 out of 5	Buildings and contents

Policy element	Details	Rating	Area covered
Payment Default fee (£)			Buildings and contents
Unoccupancy period			Buildings and contents
Legal expenses - standard, optional, not covered?			Buildings and contents
Legal expenses cover (£)			Buildings and contents
Garden contents cover (£)			Contents only
No claims discount (NCD) protection?			Buildings and contents
Students cover limit (£)			Contents only
Minimum level of excess (£)			Buildings and contents
Discount for buying buildings and contents insurance?			Buildings and contents
Business / Office equipment covered - standard, optional, not covered?			Contents only
Loss of keys - standard, optional, not covered?			Buildings only
Loss of keys - standard, optional, not covered?			Contents only
Theft of keys - standard, optional, not covered?			Buildings only
Theft of keys - standard, optional, not covered?			Contents only