Aviva Policy Summary
Your Policy Summary
this is a summary of the policy and does not contain the full terms and conditions of the cover,
which can be found in the policy booklet(s) and schedule. it is important that you read these
documents carefully when you receive them.
Who are the Insurers?
The insurer for all sections of cover (except Home Emergency) is Aviva Insurance UK Limited. Home
Emergency cover is underwritten by Inter Partner Assistance SA.
What is Home Insurance?
What are the benefits and features • Certain loss or damage (for example theft
of the home policy? or malicious damage) caused by you or
members of your household
• The Home policy is a flexible policy
offering a range of covers. This summary • Damage caused by chewing, scratching,
outlines the covers which are available tearing or fouling by domestic animals
and your schedule shows those which you
• terms used for business or professional
have selected.
purposes
What are the significant or unusual • The cost of replacing any undamaged
exclusions or limitations of the items which form part of a pair, set or
home policy? suite
• You will have to pay the first part of most • Clause(s) may apply which exclude certain
claims – this is known as an excess. Your losses or damage. These will appear on
schedule details the excesses which apply your schedule.
to your policy
• Limits apply for certain covers; the limits
are shown on your schedule and in your
policy booklet
Buildings Section
What are the benefits and features? • Protected buildings no claims discount
– allows you to make two buildings
• Loss or damage to the structure of your claims in any five year period without
home including its outbuildings, walls, losing your no claims discount. Home
drives, fences and permanent fixtures by Policy Summary and Other Important
an extensive list of causes such as fire, Information
storm, flood etc (full details in policy).
What are the significant or unusual
extra benefits Which are exclusions or limitations?
automatically included
• Certain losses or damage when your
• Accidental damage to fixed glass, sanitary home is unoccupied for more than the
fixtures and service pipes and cables agreed number of days*
• Loss of rent and cost of alternative • Wet or dry rot
accommodation following an insured loss
• Damage to cables or underground pipes
• Your legal liability as owner of your home. due to limit of construction, design,
manufacture or installation
optional extra benefits Which you
can choose to add • Liability as occupier of your home (but this
can be insured under Contents cover)
• Extra accidental damage to buildings –
this option extends the policy to cover all • Loss or damage to your buildings from
other accidental damage to the buildings any cause not listed in the policy booklet
which we regard as insurable (see policy (wider cover is available under the extra
for details) accidental damage options outlined
above).
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Contents Section
What are the benefits and features? What are the significant or unusual
exclusions or limitations?
• Loss or damage to contents in the home
by an extensive list of causes such as fire, • Certain losses or damage when your
storm, theft, etc. (full details in policy). home is unoccupied for more than the
agreed number of days*
extra benefits Which are
automatically included • Motorised vehicles, aircraft, caravans,
watercraft of any kind
• Contents in garages and outbuildings,
in the garden and while temporarily • Loss or damage to pedal cycles in the
removed from the home garden (but wider cover is available under
Pedal Cycles)
• Accidental damage to home entertainment
equipment, mirrors and fixed glass • Accidental damage to video cameras,
mobile phones, hearing aids, pagers
• Replacement locks if keys are lost or and portable computer equipment (but
stolen wider cover is available under Personal
• Spoilage of food in freezers Belongings section)
• Loss of domestic heating fuel and metered • Loss or damage to your Contents by any
water cause not listed in the policy booklet
(but wider cover is available under the
• Loss of rent and cost of alternative Extra Accidental Damage option and the
accommodation following an insured loss Personal Belongings section).
• Your liability as occupier, employer, tenant The following exclusions apply to the Extra
and in a personal capacity. Accidental Damage option:
optional extra benefits Which you • Accidental damage occurring outside the
can choose to add home (but wider cover is available under
Personal Belongings).
• Extra accidental damage to contents
– extends the policy to cover all other • Damage caused by paying guests or when
accidental damage occurring in the home your home is lent, let or sub-let.
that we regard as insurable (see policy for
details)
• Extra garden cover – gives an increased
limit for contents in the garden and
provides cover for the cost of re-
landscaping if garden plants are lost
or damaged by certain causes such as
vandalism, collision or theft.
• Protected contents no claims discount –
allows you to make two contents claims in
any five year period without losing your
no claims discount.
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Personal Belongings Section
What are the benefits and features? • Pedal cycles (unless you select the pedal
cycles option outlined below)
This gives much wider cover than is
otherwise available under the Contents • Loss or damage to sports racquets, sticks,
section for your personal belongings, money clubs and bats while in play
and credit cards. Cover is provided for
• Certain restrictions apply for theft from an
accidental loss or damage including losses
unattended vehicle, including a maximum
away from your home anywhere in the world.
payment per claim*.
What are the significant or unusual
exclusions or limitations?
• Skis, snowboards, water skis, sub-
aqua equipment, riding tack, hearing
aids, contact lenses, boats, boards and
watercraft of any kind (separate cover may
be available on request)
Legal Services Section
What are the benefits and features? What are the significant or unusual
exclusions or limitations?
This covers the cost of legal action arising
from: Claims arising from or related to
• your death or personal injury including as • a matter you should have realised might
a result of medical negligence occur before entering this contract
• you buying, selling or hiring goods or • death, injury or damage to property as a
services for your private use where the result of an accident involving a vehicle
disputed amount is at least £125 you were driving
• disputes relating to the sale or purchase of • building, rebuilding, extending or
your main home or interference with your converting a building and planning laws
legal rights relating to your home
• divorce, matrimonial, co-habitation,
• disputes with your landlord regarding maintenance or custody matters
your rental tenancy agreement
• disputes with your landlord relating to
• your contract of employment Legal rent, service charges or renewal of the
services also gives you access to our 24 hr tenancy agreement
legal helpline offering free personal legal
advice. • an event which occurred outside the
period of insurance (certain exceptions
*Please see your policy schedule for the limits apply and the event would be covered
applying to your policy. where you have continually held legal
cover with either us or another insurer
since the relevant agreement was made).
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Home Emergency Section
What are the benefits and features? What happens if i take out cover and
Up to £500 per emergency incident for cost then change my mind?
of call out, repairs, labour and VAT, plus up to
£100 for overnight accommodation (including You have the right to cancel your policy
travel) if your home is uninhabitable as a within 14 days either from the day of
result of the emergency. purchase or renewal of the policy or the day
on which you receive your policy or renewal
Emergency means: documentation, whichever is the later.
• Loss of essential services to your home hoW do i make a claim?
(mains drainage to the home boundaries,
water, electricity and gas within the home For claims under all sections except Legal
and the main source of heating or hot service and Home emergency telephone us
water where no alternative exists) on 0844 891 1222
• Sudden and unexpected roofing problems For claims under Legal Services call 0800 096
such as leaks or tiles blown off during a 5850 and Home Emergency 0845 300 3346.
storm All our claims lines are open 24 hours a day
• Plumbing problems related to leaking 365 days a year.
pipes, blocked drains, blockages in toilet hoW do i make a complaint?
waste pipes, water tanks or leaking
radiators. Home Policy Summary and We hope that you will be very happy with
Other Important Information the service that we provide. However, if
for any reason you are unhappy with it,
What are the significant or unusual we would like to hear from you. In the first
exclusions or limitations? instance, telephone us on 0844 891 1102. We
• Loss or damage arising from are covered by the Financial Ombudsman
circumstances that you were aware of at Service.
the time of taking out Home Emergency
cover or any emergency which happens If you have complained to us and we have
before or within 28 days of the start date been unable to resolve your complaint, you
of Home emergency cover. It does not may be entitled to refer it to this independent
apply when you renew your cover body. Following the complaints procedure
does not affect your right to take legal action.
• Loss or damage caused by a boiler or
heating system which has not been Would i receive compensation if aviva
properly maintained or which is over 15 Were unable to meet its liabilities?
years old
We are members of the Financial Services
• The cost of replacing parts due to natural Compensation Scheme (FSCS). You may
wear and tear be entitled to compensation from this
scheme if we cannot meet our obligations,
• Any damage or failure caused by depending on the type of insurance and the
malicious or wilful action, negligence, circumstances of your claim.
misuse, interference or faulty
workmanship, including any attempted
repair which does not meet industry
standards.
hoW long does my home insurance
run for?
This policy will remain in force for 12 months
from the date of commencement (or as
otherwise shown on your Policy Schedule)
and for any period for which you renew the
policy, as long as you continue to pay your
premium.
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Other Important Information About Your Policy
material facts and what we will use their data for, as set out
in this notice.
All material facts must be disclosed. Failure to
do so could invalidate the policy. A material In the case of personal data, with limited
fact is one which is likely to influence an exceptions, and on payment of the
insurer in the acceptance and assessment of appropriate fee, you have the right to access
this application, e.g. an intended alteration to, and if necessary rectify information held
extension to, renovation of or unoccupancy about you.
of your property, or if any member of your
In assessing your application now or at
household is charged with, cautioned for or
renewal, the insurer or its agents may
convicted of a criminal offence (other than
undertake checks against publicly available
motoring offences). Material facts must be
information (such as electoral roll, county
disclosed in relation to yourself and all other
court judgements, bankruptcy orders or
persons who are to be insured. If you are in
repossessions). Similar checks may be made
any doubt as to whether a fact is material
in assessing any claims made. Information
then it should be disclosed to the insurer. If
may also be shared with other insurers either
any changes in circumstances arise during
directly or via those acting for the insurer
the period of insurance cover please provide
(such as loss adjusters or investigators).
your insurer with details.
marketing
We recommend you keep a record (including
copies of letters) of all information provided Aviva group, its agents and business
to the insurer for your future reference. partners may use your information to keep
you informed by post, telephone, facsimile,
data protection act
e-mail, text messaging or other means
For the purposes of the Data Protection Act about products and services that may be of
1998 the Data Controller in relation to any interest to you. Your information may also
personal data you supply is Aviva Insurance be disclosed and used for these purposes
UK Limited. after your policy has lapsed. By providing
us with your contact details, you consent
insurance administration to being contacted by these methods for
Your information may be used for the these purposes. If you do not wish to receive
purposes of insurance administration by marketing information please write to Aviva,
the insurer, its associated companies and FREEPOST Mailing Exclusion Team,
agents and by re-insurers. It may be disclosed PO Box 6412,
to regulatory bodies for the purposes of Derby DE1 1SB.
monitoring and/or enforcing the insurer’s
compliance with any regulatory rules/ credit searches and use of third
codes. Your information may also by used party information
for offering renewal, research and statistical
In assessing your application, to prevent
purposes and crime prevention. It may be
fraud, check your identity and to maintain our
transferred to any country including countries
outside the European Economic Area for policy records, we may:
any of these purposes and for systems
administration. Where this happens, we will • search files made available to us by credit
ensure that anyone to whom we pass your reference agencies who may keep a record
information agrees to treat your information of that search. We may also pass to credit
with the same level of protection as if we reference agencies information we hold
were dealing with it. about you and your payment record.
The information will be used by other
If you give us information about another credit lenders for making credit decisions
person, in doing so you confirm that they about you and the people with whom
have given you permission to provide it to us you are financially associated, for fraud
and for us to be able to process their personal prevention, money laundering prevention
data (including any sensitive personal data) and for tracing debtors. We may ask
and also that you have told them who we are
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credit reference agencies to provide a fraud prevention and detection
credit scoring computation. Credit scoring
uses a number of factors to work out In order to prevent and detect fraud we may
risks involved in any application. A score at any time:
is given to each factor and a total score • share information about you with other
obtained. Where automatic credit scoring organisations and public bodies including
computations are used by the insurer, the Police;
acceptance or rejection of your application
will not depend only on the results of the • undertake credit searches and additional
credit scoring process. fraud searches;
• use information relating to you and your • check and/or file your details with fraud
home supplied to us by other third parties. prevention agencies and databases, and if
you give us false or inaccurate information
continuous reneWal payment and we suspect fraud, we will record this.
authority
We can supply on request details of the
Where you select or have selected a databases we access or contribute to.
continuous premium payment method, you
will be notified in writing prior to renewal We and other organisations may also search
and, unless we hear otherwise, the policy will these agencies and databases to:
automatically be renewed. Unless you have
• help make decisions about the provision
advised otherwise, the renewal premium will
and administration of insurance, credit
again be collected from your specified bank
and related services for you and members
account, or credit/debit card to ensure you are
of your household
always covered. Home Policy Summary and
Other Important Information • trace debtors or beneficiaries, recover
debt, prevent fraud and to manage your
sensitive data
accounts or insurance policies
In order to assess the terms of the insurance
• check your identity to prevent money
contract or administer claims that arise, the
laundering, unless you furnish us with
insurer may need to collect data that the
other satisfactory proof of identity.
Data Protection Act defines as sensitive such
as medical history or criminal convictions. claims history
By proceeding with this application you will
signify your consent to such information • Under the conditions of your policy you
being processed by the insurer or its agents. must tell us about any insurance related
incidents (such as fire, water damage,
customer information theft or an accident) whether or not they
give rise to a claim.
We like to hold as much information as
possible about our customers to enable us to When you tell us about an incident we will
improve the products and services we offer. pass information relating to it to a database.
Any information which we do not have shows
in your policy schedule as ‘unknown’. It • We may search these databases when
would help us if you could call us on 0844 891 you apply for insurance, in the event of
1102 and provide these details to us to enable any incident or claim, or at any time of
us to update our records. Also if any details renewal to validate your claims history or
recorded on the schedule are incorrect, please that of any other person or property likely
call us and let us know. to be involved in the policy or claim.
You should show these notices to anyone
who has an interest in the property under the
policy.
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legal procedure call charges
The law of England and Wales will apply to 0844 numbers will be charged at 3p per
this contract unless: minute from a BT landline. Calls from other
(1) you and the Insurer agree otherwise; or networks may vary.
(2) at the date of the contract you are our regulatory status
resident of (or, in the case of a business
the registered office or principal place of We are authorised and regulated by the
business is situated in) Scotland, Northern Financial Service Authority (“FSA”). We are
Ireland, Channel Islands or the Isle of registered as Aviva Insurance UK Limited
Man, in which case (in the absence of (Registered in England, No. 99122. Registered
agreement to the contrary) the law of that
country will apply. Office: 8 Surrey Street, Norwich, NR1 3NG)
and our FSA registration number is 202280.
telephone call recording
You may check this information and obtain
For our joint protection telephone calls may further information about how the FSA
be recorded/or monitored. protects you by visiting their website www.
fsa.gov.co.uk/register or by contacting them
on 0845 606 1234.
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