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Aviva home insurance review

Read Which?'s expert review of Aviva's home insurance policy and find out how it compares to dozens of other home insurance companies.

In this article
What does Aviva home insurance cover? Does Aviva offer the best home insurance? Aviva's Premium home insurance policy: is it good or bad? Does Aviva offer different levels of home insurance cover?
How did customers rate Aviva's home insurance? Aviva's home insurance customer satisfaction How can you save money on Aviva home insurance? What is the Aviva home insurance claims number?

With more than 15 million customers across the UK, Aviva is one of the UK's largest insurance companies. 

You can also purchase Aviva car insurance and Aviva travel insurance.

This year, we've rated the following levels of cover, which Aviva offers through comparison sites. However, it also offers different products direct through its own website.

Policy Policy level Buildings: maximum sum insured Contents: maximum sum insured
Aviva Premium Standard Unlimited Unlimited
Aviva Online  Price Comparison Websites Only (PCW) £1,000,000 £1,000,000
Table note: The policy scores and information in the panel and tables below are for the "Standard" level of policy

 

What does Aviva home insurance cover?

Elements marked with a are covered as standard, those marked with a are not. Elements marked with a £ can be added to a policy as optional extras for an additional cost.

 

Key cover 

 

Covers the cost of replacing keys and locks in the event that your house keys are lost or stolen.

 

Burst pipes

 

Covers water damage caused by burst pipes in the property.

 

 Accidental damage

 

Covers accidental damage to personal belongings, fixtures and fittings.

 

£ Legal protection

 

Cover for legal costs resulting from claims such as property and employment disputes.

 

£ Home emergency

 

Covers callouts and temporary repairs resulting from a home emergency.

 

£ Personal possessions

 

Covers personal belongings against loss, accidental damage or theft when taken outside the home.

 

£ Boiler cover

 

Covers the failure of a boiler or central heating system.

Does Aviva offer the best home insurance?

Here's how Aviva scored in our latest home insurance survey:

Home And Mobile Insurance
Aviva review
Overall Which? score
%
Our total score score combines 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 who have recently made a claim. 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 of this company's buildings insurance policy. We analysed 47 features of its cover to calculate the policy score.
Contents policy score
%
Which?'s rating of the quality of this company's contents insurance policy. We analysed 66 features of its cover to calculate the policy score.
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To help you find the best home insurance policy, Which? goes the extra mile to sort the best from the worst.

 

How we analyse home insurance

 

We analyse and rate 46 key elements of standard buildings home insurance policies to come up with the buildings policy score and 65 key elements of standard contents home insurance policies to come up with the contents policy score. We assess how important each individual element is to consumers when choosing and using a home insurance policy, and factor this in when calculating our policy scores.

Initially, we score all of the product elements out of five, reflecting how competitive each provider is in this area compared with other insurers. We then adjust the impact the more and less important elements have on the overall policy score.

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

Members can log in to see our range of customer service star ratings. If you're not already a member, join Which? and get full access to these results and all our reviews.

 

In detail: every part of Aviva's home insurance rated

Weighting Policy element Details Rating
Most important Alternative accommodation (£) Logged out detail Logged out padlock
Most important Owner's / Occupier's liability (£) Logged out detail Logged out padlock
Most important Repairs guarantee Logged out detail Logged out padlock
Other Unoccupancy period Logged out detail Logged out padlock
Most important Trace and access  (£) Logged out detail Logged out padlock
Most important Burst pipes - included? Logged out detail Logged out padlock
Most important Blockage of sewer pipe - included? Logged out detail Logged out padlock
Secondary Gradual build-up of groundwater - included? Logged out detail Logged out padlock
Secondary Subsidence - included? Logged out detail Logged out padlock
Secondary Damage to underground services - included? Logged out detail Logged out padlock
Secondary Flood and storm damage - included? Logged out detail Logged out padlock
Secondary Flood and storm damage to outbuildings - included? Logged out detail Logged out padlock
Secondary Storm damage to fences - included? Logged out detail Logged out padlock
Other Theft of keys - included? Logged out detail Logged out padlock
Secondary Theft of keys (£) Logged out detail Logged out padlock
Other Loss of keys - included? Logged out detail Logged out padlock
Secondary Loss of keys (£) Logged out detail Logged out padlock

Table last updated in March 2022. Next update in March 2023.

"-' represents where we have insufficient sample size (less than 30) to generate a star rating

Does Aviva offer different levels of home insurance cover?

Aviva allows you to opt for an alternative level of cover called 'Aviva Online''. Log in to see how we rated it.

To see how Aviva's home insurance compares to other policies check out our guide on the best and worst home insurance.

Get a home insurance quote with Confused.com

How did customers rate Aviva's home insurance?

As well as looking at how Aviva's home insurance policy stacks up against others, we've also analysed how customers who have recently made a claim feel about it too.

Members can log in to read our full policy analysis. If you're not already a member, join Which? to access this review and thousands of others.

Aviva's home insurance customer satisfaction

Customer satisfaction element Which? customer rating
Application process Logged out padlock
Clarity of policy Logged out padlock
Dealing with queries Logged out padlock
Ease of managing your policy online Logged out padlock
Fair treatment of longstanding customers Logged out padlock
Dealing with complaints Logged out padlock
Value for money Logged out padlock

Table last updated in March 2022. Next update in March 2023. "-' represents where we have insufficient sample size (less than 30) to generate a star rating

How can you save money on Aviva home insurance?

The first offer an insurer makes isn’t necessarily the best they’re able to provide. So, before coughing up your cash, check what other insurers are offering for comparable cover and ask if your current insurer can better it. Carefully consider what’s optionally included in the quote.

You may want the confidence of an all-singing, all-dancing policy - but certain add-ons might not be for you, or could duplicate cover you already have separately.

Where you buy your cover can sometimes make a difference to what you’ll end up paying, which is why we recommend checking prices through multiple comparison sites (where available) as well as trying them direct.

Aviva home insurance can be purchased online and over the phone.

Aviva's home insurance policy is available on the following price comparison websites:

  • Compare the Market
  • Confused.com
  • Go Compare
  • MoneySuperMarket

Above information correct as of February 2022. For more tips see our guide to getting a cheap home insurance quote.

What is the Aviva home insurance claims number?

If you need to make a claim with Aviva home insurance call 0345 030 7360.

 

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