By clicking a retailer link you consent to third-party cookies that track your onward journey. This enables W? to receive an affiliate commission if you make a purchase, which supports our mission to be the UK's consumer champion.
Dean is an award-winning personal finance writer who’s spent over 15 years helping consumers navigate the tangled and fascinating world of insurance.
We've partnered with MoneySuperMarket to help you compare a wide range of home insurance options in one place, with added insight from Which?
Get a quote with MoneySuperMarket and we'll highlight Which? Best Buys and Recommended Providers in your results.
This is a Which? exclusive, so you won't find our scores or expert analysis on other comparison sites.
We rated 177 elements of each policy, covering buildings, contents and admin points such as fees.
We asked 3,419 home insurance customers who made a claim within the past two years to score their insurer.
In this article
Aviva offers three home insurance policies – Signature, Online and Premium – and we've reviewed them all. It sells its Signature policy directly and the others via comparison websites.
We've also surveyed 540 Aviva customers who have recently made a home insurance claim.
Its home insurance is underwritten by Aviva Insurance Limited.
As well as home insurance, Aviva offers car insurance, private health insurance and travel insurance. It also owns Quote Me Happy.
Please note that this article is for information purposes only and doesn't constitute advice. Please refer to the insurer's T&Cs before committing to any financial products.
Each of Aviva’s policies has Best Buy buildings cover, and claimants rate its service.
80%
Policies
out of 21 home insurers with a customer score
See how this compares with the best home insurance, or read more about how we rate home insurance.
We've reviewed three Aviva policies. Select a policy from our table to see what it offers and how it scored.
| Buildings - Alternative accommodation | £100,000 | |
| Buildings - Burst pipes | Included | |
| Buildings - Escape of water excess | £450 | |
| Home emergency cover limit | £1,000 | |
| Home emergency - central heating/boiler repair | £1,000 | |
| Buildings - Groundwater flooding | Included | |
| Subsidence excess | £1,000 | |
| Contents - Valuables unspecified single item limit | £2,500 | |
| Contents - Alternative accommodation | £25,000 | |
| Contents - Accidental damage | Optional extra | |
| Contents - Guests' belongings | £3,000 | |
| Contents - Theft of contents in the open | £12,000 | |
| Contents - Damage to contents in the open | £12,000 | |
| Contents - Theft from outbuilding | £7,500 | |
| Contents - Damage to contents in an outbuilding | Up to sum insured | |
| Contents - Personal possessions cover single item limit | £2,500 |
Table last updated in September 2026. Next update in September 2027. We recommend checking policies before buying.
Use our customer scores to help you choose a great deal at MoneySuperMarket
Compare dealsWhich? earns commission to fund its not-for-profit mission if you buy a product
Dean Sobers, Which? home insurance expert, says:
Aviva’s standard policy – called Signature – was among the top 10 we rated for buildings cover, scoring 75%. Its contents cover did even better, earning 77% and ranking sixth in our table. Signature is a Best Buy for buildings cover. If it were just down to the policy score, its contents cover would have made the cut, too. However, its lower-than-average acceptance rates for contents claims meant it missed out.
It offers a generous £3,000 cover for cash kept in the home, and has a comparatively high limit of £100,000 for alternative accommodation under its buildings cover. This is the total amount available for rental costs if your home is uninhabitable during the claim and you need to live elsewhere.
However, the cover isn’t perfect across the board. For example, its contents cover doesn’t include digital downloads, which most policies now do. It also has a fairly steep excess for escape of water (water damage caused by broken plumbing) at £450.
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 – Aviva and Quote Me Happy (which it owns) are the only providers we reviewed that offer it. Aviva’s add-on shields your discount for up to two claims over a three-year period.
While Signature is only available directly from Aviva, you can get Online and Premium cover through comparison websites.
Premium is the more comprehensive of the two. With 76% for buildings and 69% for contents cover, it’s a buildings Best Buy.
Online was slightly less impressive but is still a Best Buy for buildings cover, with a score of 73%. Its contents cover was in the bottom half of our table with 65%.
We asked Aviva customers who have recently made a claim how they felt about their home insurance.
Aviva received a customer score of 80%. In our table of 21 providers, this put it in joint fourth place, along with two other insurance brands.
Customers also rated their most recent claim. Here, Aviva received a score of 81% – placing it joint third of the 22 providers we rated. See the list of results here.
When we asked more about the rating customers gave Aviva, one claimant told us: 'I have only ever had good experiences with them,' while another commented that a claim with Aviva was 'handled quickly and in a positive manner'.
One satisfied customer said: 'My claim was assessed judiciously and swiftly.'
| How comprehensive the policies are | |
| How affordable the policies are | |
| Clarity of policy | |
| Dealing with queries | |
| Dealing with complaints | |
| Value for money | |
| Fair treatment of long-standing customers |
Table last updated in September 2026. Next update in September 2027.
Aviva sample size: customer score 540, claims score 592
Aviva's Signature policy is only available direct. Its Online and Premium policies are available on these price comparison websites:
Want to pay monthly? Aviva charges variable interest on its home insurance policies, so you might be better off paying annually on an interest-free credit card.
The above information is correct as of August 2026. For more ways to save money when buying insurance, see our guide to cheap home insurance.
With a customer score of 80%, Aviva sits in fourth place overall in our satisfaction table, coming just below Tesco (81%) and slightly ahead of 1st Central, HSBC, Lloyds Bank and Nationwide (which all scored 79%).
Its standard Signature buildings policy (available direct through its website) scored 75% and ranks joint second in our standard buildings cover table, along with the standard policy from NFU Mutual.
For contents insurance, Aviva's Signature policy scored 77% and sits in first place among standard policies. This positions it slightly ahead of NFU Mutual (76%).
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.
You can also find out more about making claims online on the Aviva website.
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.
This article uses insights from the Which? Connect panel, collected from research activities with our members. Find out how to get involved
Find the right policy for your home using the service provided by MoneySuperMarket
Get a quote now