Aviva home insurance review

As well as home insurance, Aviva offers car insurance, private health insurance and travel insurance. 

Its home insurance is underwritten by Aviva Insurance Limited. It sells one policy directly and others via comparison websites. For information, Aviva also owns Quote Me Happy.

Aviva offers three home insurance policies – Signature, Online and Premium – and we reviewed all three. We've also surveyed 424 Aviva customers who have recently made a home insurance claim.

Please note that this article is for information purposes only and doesn't constitute advice.

Does Aviva offer the best home insurance?

Here's how Aviva scored in our latest survey.

• Best Buy policies for both its Premium and Signature buildings cover.
• 72% customer score, placing it 6th out of the 17 providers rated.
• 79% contents score for its standard Signature policy, 3rd out of 35 providers compared.
• 74% buildings score, or 7th of 35 standard policies reviewed.
• 70% claims score, placing it joint 5th out of 24 brands compared.

See how this compares with the best home insurance, or read more about how we rate home insurance.

What does Aviva home insurance cover?

We reviewed three of Aviva's policies. Select a policy from our table to see what it offers and how we rated it.

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‘Aviva could have had even more Best Buys’

Dean Sobers, Which? home insurance expert, says:

Aviva’s standard policy – called Signature – was comfortably in the top half of our table for buildings cover, with 74%, and in the top fifth of our table for contents, with 79%. Its score qualified it as a Best Buy for its buildings cover.

It didn’t quite make the cut with its contents cover because of a lower-than-average acceptance rate for claims on contents-only policies.  

It offers a generous £3,000 benefit for cash in the home, and has a comparatively high limit of £100,000 for alternative accommodation under its buildings cover. As the name suggests, this is the total amount available for rental costs if your home is uninhabitable during the claim and you need to live elsewhere.

The cover isn’t perfect across the board, however. For example, its contents cover doesn’t include digital downloads, which most policies now do. It also has a slightly steep excess for escape of water (water damage caused by broken plumbing), at £450.

No-claims discount protection

If you have car insurance, no-claims discounts will be familiar to you – and with them no-claims discount protection (NCDP). Put simply, NCDP is an add-on that reduces the effect of making claims on your renewal premium. 

NCDP is much rarer in home insurance – with Aviva’s products among one in 10 that offer it. Aviva’s add-on shields your discount for up to two claims over a three-year period.   

Premium and Online

While Signature is only available directly from Aviva, it offers Online and Premium through comparison websites.

Premium is the more comprehensive of the two. Earning scores of 74% for buildings and 70% for contents, it’s a buildings Best Buy. 

Online was slightly less impressive. It was around average for buildings, with 72%, but in the bottom half of our table for its contents cover. 

How did customers rate Aviva's home insurance?

We asked Aviva customers who have recently made a claim how they felt about their home insurance.

Aviva received a customer score of 72% – 6th out of 17 providers rated. 

Customers were also asked to rate their most recent claim. Here, Aviva received a score of 70% – joint 5th of the 24 providers we scored. See the list of results here.

When asked why they'd rated Aviva highly, a customer praised the 'great service', while another said their policy was 'easy to understand and clear'.

How can you save money on Aviva home insurance?

You'll get a discount for buying combined cover rather than buying your buildings or contents insurance separately.

Aviva's Signature policy is only available direct. Its Online and Premium policies are available on these price comparison websites:

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

Want to pay monthly? Aviva doesn't charge interest on its Online and Signature policies. But it does charge variable interest on its Premium policy, so you might be better off paying annually on an interest-free credit card.

The above information is correct as of August 2025. For more ways to save money when buying insurance, see our guide to cheap home insurance.

How does Aviva compare with other providers?

With a customer score of 72%, Aviva came below just Which? Recommended Provider Tesco (75%) and Axa (73%) in our table.

Its buildings cover for its standard Signature policy scored 74% – the same score as standard policies from the Bank of Scotland, Halifax, Lloyds and Sagic. LV's standard policy was just ahead in our table, with 76%.

As for contents insurance, Aviva's standard Signature policy scored 79% and sits in 3rd place among standard policies. The standard policy from M&S Bank scored slightly higher, with 80%. 

How can I claim?

The contact number to make a claim is 0345 030 6945.

If you need to contact Aviva about a home emergency cover claim, call 0345 300 3346.

• Find out more: Is it worth claiming on your home insurance?

Should you buy Aviva home insurance?

If your priority is cover for your home itself, rather than the things in it, Aviva meets our Best Buy standards and is well worth considering if the price matches your budget.

However, our verdict on its contents cover isn't quite as glowing. Although Aviva is highly rated for customer satisfaction and its contents cover looks great on paper, it has lower-than-average claims acceptance rates for contents-only policies. 

Find out how Aviva rates for other products

• Aviva car insurance review
• Aviva private health insurance review
• Aviva travel insurance

 How we rate home insurance