About home insurance
How much is home insurance?
Your home insurance quote is based on the details you provide us. There's no one-size-fits-all price for your policy. It's all unique to you.
Your quote also lets you compare home insurance costs with other providers. Doing this means you can be sure you'll get the best cover at a price that's right for you. It also shows you the brilliant value you can expect when you choose Aviva.
How do I get a home insurance quote?
All you have to do to get your home insurance quote is use our simple form and fill out a few basic details. These include your name, date of birth, contact information, home details and your preferred type of cover. You'll have your quote in a matter of moments.
Then, all that's left is to decide whether you're happy to proceed.
Who underwrites Aviva Home Insurance?
Aviva home insurance is underwritten by Aviva Insurance Ireland DAC.
Cover Details
What will be insured under my home insurance policy?
When you become an Aviva home policy customer your policy booklet and policy schedule shows you what Events you are insured against. You can also view our HomeCare Policy Document online.
For your policy to operate an Insured Event must occur. See the following examples on a standard Buildings & Contents policy:
Scenario 1:
A storm is the cause of damage to your roof allowing water to leak in. We will provide cover for loss or damage to your roof because of Storm damage as “Storm” is an Insured Event on your policy. Cover is subject to the roof being kept in good repair prior to the damage.
Scenario 2:
Water leaks in through your roof because of wear and tear of the roof. Wear and Tear is not an Insured Event on your policy, therefore there is no cover. Your policy booklet and policy schedule show you what Events you are insured against.
What is Optional cover for jewellery, personal belongings, bicycles & money?
Optional Cover for Items protects jewellery, personal belongings, bicycles and money against loss, theft of, or accidental damage to any of these items up to a limit (see below table for explanation) whether in your home or away from it, subject to the single article limits. Items in excess of the single article limit can be specified separately by you. Both options (Unspecified or Specified items) are subject to the terms and conditions of your policy.
This is designed to cover high-risk and valuable items while away from your home including jewellery, watches, cameras, binoculars, and sports equipment. There are three options to choose from online. The table below shows what options are available, and the limits under each option.
| Option | Cover Total Amount | Single Article Limit | Bicycle Limit | Personal Money |
| A | €5,000 | €1,500 | €500 | €130 |
| B | €7,500 | €2,500 | €500 | €130 |
| C | €15,000 | €3,500 | €500 | €200 |
For example, Option A would cover five items worth €1000 each. A Single Article Limit is the maximum amount that any ONE item can cost to replace. (i.e. a ring worth €1000 would be covered with a Single Article Limit of €1,500)
If you need cover for a single item that is worth more than the Single Article Limit of the options above, please contact us on 1800 332 211 for further assistance (certain conditions may apply).
Items such as Mobile Phones, or Laptop Computers need to be specifically named on your schedule, and are not automatically covered by the Optional Cover option on your policy. Hearing Aids are not covered by the Homecare policy.
What is an Endorsement?
Endorsements are alterations which may reduce or extend cover under your policy.
For example, you can get a discount on your home policy if you state you have an approved intruder alarm. If you do not have the alarm turned on when no one is at home, and you are burgled then Aviva will double the excess for that claim. This is what is known as an endorsement, so it is very important you comply with any endorsements on the policy. See your schedule for any endorsements on your policy.
Do we cover mobility scooters?
Yes, we do cover mobility scooters once within the home or within the boundary of home. Please refer to our policy booklet for exclusions.
Discounts
Can I get a discount on my home insurance quote?
You can. For example, if you have no claims within the last five years on a policy in your own name you can get a No Claims Discount up to 40% off the price of your home insurance.
For a full list of quote discounts - click here.
No Claims Discount
What is a no claims discount?
No Claims Discount is a discount that home insurance customers receive if they haven’t made a claim for a set period – starting from 1 year.
Do you offer no-claims discount on a home insurance policy?
Yes, we offer up to 5 years No-claims Discount on a sliding scale, based on the number of years you have held a claim free household policy in your own name. If you are a first-time buyer or have had no previous insurance, we will give you an introductory no-claims discount of 25%.
Where can I find proof of my No Claims Discount?
Unless we already have your No Claims Discount on file, you may have to provide proof of your No Claims Discount (NCD) with your application.
Your proof of No Claims Discount can usually be found in your renewal invitation letter from your previous insurer.
How long is my No Claims Discount for home insurance valid for?
Your No Claims Discount (NCD) will be valid for 2 years after the expiration of your last policy, provided it is not being used on another policy.
Policy Excess
What does ‘excess’ mean – and do I need one?
The excess is the first amount that Aviva will not cover, and you will have to pay yourself. The excess can differ for each insured event (you may have different excess amounts for a fire, leaking water and subsidence, for instance.)
As an illustration: damage to your property is estimated to be €1500 and your policy excess is €275. Aviva will expect you to pay the first €275 of the claim and will pay the remaining €1225 in accordance with your policy.
Sum Insured & Underinsurance
What is sum insured?
The amount shown in your schedule as the most that we will pay for claims resulting from one incident.
The sums insured is set by you, our customer.
The Society of Chartered Surveyors Ireland SCSI’s House Rebuild Calculator provides guidance in calculating this figure.
You’ll find some helpful information online:
House Rebuild Calculator - Society of Chartered Surveyors Ireland (scsi.ie)
What is under-insurance?
Under-insurance occurs when you insure your buildings and contents for less than the amount it will cost to rebuild your home or replace your contents.
A recent study by the Central Bank of Ireland found that 16.5% of claimants in 2021 were under-insured, as rebuild costs had increased by up to 40% in some areas.
In the event of a claim, a policyholder who is under-insured may not receive the full amount necessary to rebuild, repair or replace items as new.
As a homeowner it is essential that you regularly review your sums insured to make sure you are adequately covered. The sums can be adjusted at any time, and there is no need to wait until your policy renewal.
Learn more about underinsurance
What is the re-build value of my house?
The SCSI’s House Rebuild Calculator can help you identify the current rebuild cost of your home.
You will need to know the size of your house to use the calculator. Choose the appropriate house type and region and insert your total floor area. You can add the cost of a garage if applicable.
You should add higher-than-average kitchen fittings, finishes, etc if appropriate. You can also add for any other outbuildings e.g. studio, office. Once you have entered all the required information, the figure generated will be a minimum base guide for rebuild costs for insurance purposes. If you would prefer to access professional advice you can contact your local Chartered Quantity Surveyor.
To calculate your home contents try Aviva's Contents Insurance Calculator.
How do I ensure my home has the right cover?
With high inflation and the cost of building materials and labour increasing in recent years it’s never been more important to make sure your home is insured for the correct amount. The sums can be adjusted at any time, and there is no need to wait until your policy renewal.
Your policy schedule contains details of the sums insured for your home.
If you have your home insurance policy directly with Aviva you can access your policy documents at any time through MyAviva.
Alternatively, you may wish to get in touch with us to amend the sums insured.
If your home insurance policy was purchased directly with Aviva, you can contact us on 091 78 44 55 Monday to Friday between 9am and 6pm.
If you purchased your policy through a broker, you will need to get in touch with them directly
As a homeowner it is essential that you regularly review your sums insured to make sure you are adequately covered. The sums can be adjusted at any time, and there is no need to wait until your policy renewal.
Learn more about underinsurance
Contents Insurance
What is contents insurance?
Contents insurance is designed to protect your personal belongings, so they are any household items, personal belongings, and valuables within your home which you or any member of your household own. In simple terms it’s the personal items you would take with you should you decide to move home.
How can I calculate the value of my contents?
Use our handy home contents calculator to help estimate the total value of your home contents.
What are valuables?
Valuables - Jewellery, furs, items of precious metals, pictures and works of art.
Getting a Quote
How do I get a home insurance quote?
All you have to do to get your home insurance quote is use our simple form and fill out a few basic details. These include your name, date of birth, contact information, home details and your preferred type of cover. You'll have your quote in a matter of moments.
Then, all that's left is to decide whether you're happy to proceed.
How do I retrieve a quote?
You can retrieve your home insurance quote here.
Payment
Can I spread my payments and pay by monthly instalments?
Yes, you will be given the option to choose to pay in one payment or monthly payments.
You will see the options once you receive your quote on the online journey.
Monthly payments: With our monthly payment plan you can spread your premium over 10 payments. If you choose to pay your premium monthly, you will pay the first month of the premium upfront as a deposit. The rest of the premium will be spread over 9 equal instalments and collected from your bank account. Direct debit payments are subject to interest charge of 6.715% and APR of 17.04.
Is it cheaper to pay monthly or annually?
You can pay for your Aviva home insurance by monthly direct debit or by one upfront payment. In many cases, it will work out cheaper to pay upfront for the whole year - but it's up to you. Monthly payments suit some budgets better than one upfront payment.
How can I change my payment details?
You are unable to amend payment details online, you will need to contact us to make these changes. We're available between 9am and 6pm Mon-Fri.on 1800 333 322.
What is the revised Payment Services Directive (PSD2)?
The revised Payment Services Directive (PSD2) is a directive created by the European Banking Authority (EBA). PSD2 aims to protect people and businessess when transacting online by making payments more secure.
What will change with the revised Payment Services Directive (PSD2)?
The main change to online payments is the introduction of Strong Customer Authentication (SCA). This allows for your bank to verify your identity when transacting online.
Strong Customer Authentication? (SCA)
What is Strong Customer Authentication? (SCA)
SCA allows for your bank to verify your identity when transacting online. Online fraud is increasing, so the aim of the revised Payment Services Directive is to make your online payments more secure.
SCA simply checks your information with your bank to help them verify you. Your bank will be able to ask you additional information, typically a passcode which they will send to you, so they can authorise the online payment you are making.
For everything to run smoothly, your bank will need to have up to date contact details such as your mobile number or email to enable them to send you a passcode if it’s required for both you or a joint account holder. If you run into issues, our Contact Centre can take the payment over the phone.
Why do we need Strong Customer Authentication (SCA)?
Online fraud is increasing, so the aim of the revised Payment Services Directive is to make your online payments more secure.
How does Strong Customer Authentication (SCA) work?
It simply checks your information with your bank to help them verify you. Your bank will be able to ask you additional information, typically a passcode which they will send to you, so they can authorise the online payment you are making.
What could prevent Strong Customer Authentication (SCA) from working?
For everything to run smoothly, your bank will need to have up to date contact details such as your mobile number or email to enable them to send you a passcode if it’s required for both you or a joint account holder.
How should customers prepare for the revised Payment Services Directive (PSD2)?
Just make sure that your bank has your preferred contact preference and your up-to-date contact details.
What are the benefits of the revised Payment Services Directive (PSD2)?
Your online transactions will be better protected. Your bank will check details such as if the transaction is from a location or device you haven't used before. Your bank will only ask you for additional information if they are not sure it’s you.
Will PSD2 mean that it takes longer to make payments online?
In many instances, you won't notice a difference. In situations where an enhanced authentication step is required, it should only add a few seconds.
What happens if a customer cannot complete Strong Customer Authentication (SCA)?
You can contact us between 9am and 6pm Mon-Fri.on 1800 333 322 and we can take the payment over the phone.
Click through for a home insurance quote and more information.