Home insurance
Aviva Online and Aviva Premium –
self-service cover you manage online

How our home insurance puts you in control

Aviva Online and Aviva Premium are self-service and online-only, putting you in charge of your home insurance. Make changes to your cover, renew your policy or check your documents. You do it all yourself, exactly when it suits you. To make it simple, you’ll find everything in one place – MyAviva, your online portal. And because you manage your own policy, there are no admin fees for changes that you make online, except if you cancel.

Aviva Online and Aviva Premium are online-only with no call centre support, unless you need to make a claim.

Self-service

Make any changes in MyAviva, your self-service portal. You’ll get updates by email and SMS – which helps keep costs down and is better for the environment too!

New for old

We'll replace damaged items with new ones. Or pay for them to be restored, repaired or replaced (excludes any damage due to wear and tear or electrical or mechanical breakdowns)

24/7 claims

If you need to make a new claim, you can do so online or over the phone at any time of the day or night – and we’re here to support you


Your home's covered

We offer two levels of insurance for your home, Aviva Online and Aviva Premium, both of which can combine buildings insurance and contents insurance. You can also take out buildings insurance on its own.

Here's an overview of the cover you'll get with Aviva Online and Aviva Premium. You can also see a more detailed breakdown of what our contents insurance and buildings insurance cover you for – and the most we’ll pay out for each item.

Cover includes
Aviva Online
Aviva Premium
Buildings sum insured*
£1,000,000
Unlimited
Contents sum insured*
£100,000
Unlimited
Buildings accidental damage
Optional
Included
Contents accidental damage
Optional
Included
Alternative accommodation
Up to £100,000
Up to £200,000
Matching items
Not covered
Included
Valuables
Up to £15,000
Up to £30,000
Contents in garden
£1,500
£3,000
Theft from outbuildings
£2,500
£5,000
Type of cover
Aviva Online
Aviva Premium
Damage to the building by insured events*
£1,000,000
Unlimited
Replacement locks
£1,000
£1,000
Emergency access
£1,000,000
Unlimited
Liability as owner
£5,000,000
£5,000,000
Loss of rent and cost of alternative accommodation
Up to £100,000
Up to £200,000
Tracing and accessing leaks
£5,000
£5,000
Buildings Accidental Damage
Optional
Included
Buildings Matching Items cover
Not covered
Included
Breaking into an underground pipe to clear a blockage and backfilling
(This cover only applies if your policy covers accidental damage)
£1,000
£1,000
Type of cover
Aviva Online
Aviva Premium
Damage to contents in the home by standard risks (fire, storm, theft, etc)*
£100,000
Unlimited
Valuables: total limit
£5,000 – £15,000
£10,000 – £30,000
Valuables: single article limit
£2,000
£2,000
Emergency access
£100,000
Unlimited
Loss of rent and cost of alternative accommodation
Up to £25,000
Up to £50,000
Money in your home
£750
£750
Contents in the garden
£1,500
£3,000
Theft of contents from garages or outbuildings
£2,500
£5,000
Business equipment
£6,000
£6,000
Replacement locks
£1,000
£1,000
Food in freezers
£1,000
£1,000
Domestic heating fuel/metered water
£2,000
£2,000
Title deeds
£100,000
Unlimited
Contents Accidental Damage
Optional
Included
Contents Matching Items cover
Not covered
Included
Household removals
£100,000
Unlimited
Occupiers and personal liability
£5,000,000
£5,000,000
Employers liability
£10,000,000
£10,000,000
Tenants liability
£15,000
£15,000
Relandscaping
£2,500
£2,500
Limit per tree, shrub or plant
£250
£250
* Sometimes you may need to specify a different level of cover. We will explain this during your quote.

How to manage your policy online

MyAviva, your online portal, is the control centre for your Aviva Online or Aviva Premium policy. It’s where you’ll find all the details and documents for your policy, so you’ll always know where everything is. It’s also where you’ll make changes to your personal information or your policy. You can do this at any time through your laptop, tablet or mobile.

What you can do in MyAviva

Renew your home insurance policy

Update your details

Make changes to your policy

View, download and print policy documents

Do you have any questions?

Whether you're already an Aviva Online or Aviva Premium customer or you’re considering our cover, you may want to know more about our home insurance. You can find an answer quickly and easily using the FAQs in our dedicated help section – or contact us by email if you have a more specific enquiry.