Home Insurance

Pick and choose home insurance cover that protects your house and belongings your way.

If you've had a quote within the last 90 days you can pick up where you left off.

Retrieve a quote

Choose the right home insurance for you

Whether its buildings cover, contents cover or both, we've got you covered.

You can apply for our home insurance if you’re over the age of 16 and have a property in the UK (excluding the Channel Islands and Isle of Man).

All insurance products are underwritten by Aviva, minimum premiums, T&Cs, exclusions and limitations apply.

Buildings and contents insurance

Protect your home inside and out.

Get buildings and contents insurance

Contents insurance

Get £50,000 of cover as standard, which can be increased.

Get contents insurance

Buildings insurance

Unlimited cover for emergencies such as storm damage, fire and water.

Get buildings insurance

FAQs

What's home insurance?

What does home insurance cover?

House insurance can include buildings cover and/or contents cover.

Buildings insurance covers the cost of repairing or rebuilding your home if it’s damaged. For example, by storm, floods, fire, lightning or subsidence – but it won’t cover you for general wear and tear.

Contents insurance covers your possessions in case they’re damaged, stolen or lost. For example, if there was a fire, flood or burglary at your home, it would cover the cost of replacing your belongings.

Do you need home insurance when you're renting?

What’s voluntary excess on home insurance?

Voluntary excess is an optional amount you can pay towards an insurance claim – on top of the compulsory excess. For example, if your policy has a compulsory excess of £150 and you add a voluntary excess of £100, you’ll need to pay £250 if you make a claim.

Increasing the voluntary excess on your insurance can be worthwhile because it can lower the cost of your insurance premium – the amount of money you pay for an insurance policy. This is because the insurer won’t have to pay out as much in the event of a claim.

You should weigh up the pros and cons to help you decide if it’s the right option for you. You should consider your total insurance excess and make sure it’s at a level you feel comfortable paying, in case you ever need to make a claim.

Existing customer?

If the worst happens we’ll do everything we can to help and make the claims process easy. Before you make a claim make sure you have:

your insurance policy number
receipts, quotes or invoices
an estimate size of the affected area
photos of damage or lost property (if you have any).

Make a claim online

It only takes 10 minutes to start your claim, and where possible, you’ll get an instant decision. Aviva will contact you within 2 hours if they need to talk to you. This will be between 8am-6pm Monday to Friday or 8am-4pm on weekends.

Make a claim online >

Make a claim by phone

If there’s been an emergency or you’d prefer to make a claim over the phone, give us a call any time on 0345 300 6032. We’re available 24/7.