Home Insurance

Insurance Product Information Document

Company: Aviva Insurance Limited Product: Aviva Online and
Aviva Premium Home Insurance
Registered in Scotland No. 2116 Registered office: Pitheavlis, Perth PH2 0NH. Authorised by the Prudential Regulation Authority and
regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number 202153

This is a summary of our insurance policy. You will find all the terms and conditions (along with other important information) online
when you get your quote and in the policy documents.

What is this type of insurance?

Aviva Online and Aviva Premium Home Insurance protects you against loss or damage to the Buildings and/or Contents. It covers such
things as fire, flood, storm, theft and subsidence – as described online and in our policy booklet

What is insured? What is not insured?

Buildings Cover: 7 Accidental Damage (Aviva Premium) – caused by
We offer two levels of cover. For most customers, the chewing, scratching or fouling by domestic animals
maximum amount we will pay to rebuild your home is: 7 Damage arising from wear and tear, breakdowns or
faults and gradual deterioration
3 Aviva Online – £1,000,000
7 Wet or dry rot
3 Aviva Premium – Unlimited
7 Storm damage to fences, gates and hedges
Alternatively, you may be asked for a specific sum insured
7 Certain losses or damage (e.g. from burst pipes) to
when you buy the policy
buildings or contents at home when your home is
Under our buildings cover: unoccupied for more than the number of days shown
3 Loss or damage to the structure of the home, on your schedule
including garages and outbuildings 7 Certain losses or damage (e.g. theft or malicious
3 Cost of alternative accommodation or loss of rent damage) caused by you, paying guests or tenants
due to you if your home can’t be lived in following 7 The cost of replacing undamaged items which form
insured damage part of a pair, set or suite (Aviva Online only)
3 Replacement of external door locks if keys are lost or stolen 7 Motorised vehicles, aircraft, boats, boards, caravans
3 Sourcing a hidden domestic water or oil leak which or trailers.
is damaging the home (including making good after Optional covers:
the leak has been fixed)
Accidental Damage (Optional on Aviva Online)
3 Public liability if you’re held legally liable (as the
– caused by chewing, scratching or fouling by
homeowner) for injury to a third-party or damage to
domestic animals
their property.
Home Emergency – normal day-to-day maintenance
Under our Aviva Premium buildings cover in addition
or breakdown of showers or domestic appliances
to above:
Not all types of heating system and boilers are
3 Buildings accidental damage included in Home Emergency cover.
3 Buildings matching items – If we have accepted a claim
for loss or damage to a part of the buildings which is
part of a matching group or set of items, and we can’t
source a matching replacement, we will pay to Are there any restrictions on cover?
replace the undamaged companion piece(s)
! Certain limitations may apply to your policy e.g.
Contents Cover: – the excess (the amount you have to pay on any
We offer two levels of cover. For most customers, the claim)
maximum amount we will pay to replace the contents – monetary limits for certain covers; and/or
of your home is: – clauses that exclude certain types of loss or damage.
! We don’t cover property which is used for a business
3 Aviva Online – £100,000
or profession (except home office equipment) unless
3 Aviva Premium – Unlimited
we have specifically agreed to do so.
Alternatively, you may be asked for a specific sum insured ! Cover for theft of cycles is conditional on them being
when you buy the policy. properly secured when left unattended.
Under our contents cover: Optional covers:
3 Loss or damage to contents in your home, garages,
Personal Belongings – Limitations apply when stolen
outbuildings or gardens
from an unattended vehicle
3 Damage to freezer food caused by a change in temperature
Legal Services conditions apply if you want to
3 Occupier’s and personal liability if you’re found to
nominate your own lawyer to represent you.
be legally responsible for injury to a third-party or
Legal Services – we will only accept your claim if our
damage to their property
lawyer believes that you are more likely than not to
3 Tenants liability – if you’re held legally liable for
win the case.
damage to your landlords property.

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 What is insured? Continued...
Under our Aviva Premium contents cover in addition
to above:
3 Contents accidental damage
3 Contents matching items – If we have accepted
a claim for loss or damage to contents, we’ll pay
to replace individual items or parts of a pair, set or
suite or any other item of a uniform nature, design
or colour which have been lost or damaged (but not
for undamaged companion pieces or parts).
Optional covers:
Buildings accidental damage (optional on Aviva
Online, covered automatically in Aviva Premium)
Contents accidental damage (optional on Aviva
Online, covered automatically in Aviva Premium)
Personal Belongings – worldwide cover against
theft, accidental loss of, or damage to, items such
as clothing, mobile phones, tablets, handbags and
money
Pedal cycles – worldwide cover for theft, loss or
damage of your family’s pedal cycles
Legal Services – to help you, and members of your
family who live with you, to pursue or defend legal
disputes
Home emergency cover – expert help with
emergencies, such as plumbing issues or pest
infestations.

Where am I covered?
3 A
 t the home you are insuring within the United Kingdom, the Channel Islands and the Isle of Man
3 Accidental damage cover only applies inside the home (including gardens and outbuildings)
3 If you purchase optional personal belongings cover, you’ll be insured anywhere in the world.

What are my obligations?

Y ou must take reasonable care to provide complete and accurate answers to the questions we ask whether you’re taking out,
renewing or making changes to your policy
Please tell us immediately if the information set out in the application form, ‘Information Provided by You’ document or your
schedule changes
You must pay the premium when due and observe and fulfil the terms, provisions, conditions and clauses of this policy –
failure to do so could affect your cover
You must tell us about any event which might lead to a claim as soon as possible
We will tell you what information you need to provide us to achieve a settlement of any claim. For full details please see the
‘General Conditions’ section in the policy booklet.

When and how do I pay?

You can pay your premium in one lump sum by credit or debit card, and where offered, you have the option of paying monthly by
Direct Debit. If you pay monthly, a credit charge will apply
We don’t charge you extra for using a credit or debit card.

When does the cover start and end?

From the start date (shown on your schedule) for 12 months.

How do I cancel the contract?

You have a statutory right to cancel your policy within 14 days of purchase or renewal (or from the day you receive your policy or
renewal documents, if this is later)
If you cancel before your cover starts we’ll refund the premium you’ve paid
If you cancel after your policy has started, we’ll reduce your refund to pay for the time you were covered
To cancel, visit https://www.direct.aviva.co.uk/MyAccount/login.

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