Aviva’s home insurance is built on a standard policy, which customers can then add to in order to enhance the cover.
- Up to 40% no claims discount for new customers.
- Up to 20% discount when you buy online. Aviva says that 78% of their customers are expected to receive the full online discount.
- Based on customers who bought Aviva buildings and contents insurance from June to August 2017, we expect at least 10% to pay £99 or less.
Rated 5 stars by industry body Defaqto.
Background to Aviva home insurance
Aviva is the leading insurance and savings business in the UK and Ireland with 16 million customers in the UK.
Its current brand name was launched in 2002, following the merger of CGU and Norwich Union in 2000.
Overview of the cover provided by Aviva home policies
Aviva has a single standard home insurance policy, with optional extras available for customers who require greater coverage.
You can choose between buildings cover, contents cover, or purchase both, along with coverage for tracing and accessing water leaks, freezer food damage, replacement locks, and contents in the garden, garage and outbuildings.
Optional extras include accidental damage cover, protected no claims discount, personal belongings cover in and away from the home, home emergency cover and bicycle cover.
How much does home insurance from Aviva cost?
Aviva says 10% of customers paid £99 or less between June and August 2017. The price you pay will depend upon individual circumstances, cover chosen and payment method selected.
There are some ways to reduce the price of your policy; new customers who have been claim-free for at least 5 years will receive up to 40% no claims discount, and there is up to 20% reduction for getting an Aviva home insurance quote online.
The no claim discount is based on new customers who’ve been claim free for five years or more, compared with new customers who’ve claimed in the past year.
Although Aviva says smaller discounts apply if you have been claim-free for between one and four years. The discount applies only to combined building and contents policies and it doesn’t apply to home emergency cover, legal or specified valuable cover options. A minimum price applies.
What Aviva customers say
On their website, Aviva has a customer satisfaction score of 4.6 out of 5 based on over 1,600 reviews left by customers who have purchased a policy or made a claim.
On TrustPilot, Aviva scored only 1.1/10 stars based on over 200 reviews of various product lines following criticism of its website and customer service.
What the expert reviews say
Aviva’s home insurance is 5 star Defaqto rated. It also scored an overall rating of 68% from independent organisation Which?, placing it 8th out of 33 home insurers.
Financial services website Fairer Finance has awarded Aviva 54% for its home insurance, which ranks it 33rd out of 46 providers.
Other home insurance reviews
To compare Aviva with other home insurance products, check out our article on the best home insurance companies.