’We can offer more comprehensive protection for their homes and possessions,’ says head

Aviva has revealed it is increasing the cover limits within its direct home insurance product.

The insurer said the move would provide customers with “greater cover” and came after finding a rise in the value of consumers’ belongings.

As part of the enhancements, cover for valuables such as jewellery, watches and artwork will increase from £30,000 to £50,000, while the claim limit for personal money in the home is rising from £750 to £3,000.  

And the limit will increase from £20,000 to £50,000 for customers who choose to protect their personal items, such as mobile phones, with personal belongings cover.

The changes will apply to new home insurance policies bought directly from Aviva from 20 March 2024 and will be applied for existing customers at renewal. 

Nisha Soni, head of Aviva Direct, said: “Customer satisfaction is paramount to Aviva and we are always looking for new ways to meet our customers’ expectations. We offer a range of policies and optional add-ons, to ensure that customers can select the cover that best fits their home insurance needs.

”For those individuals who choose Aviva direct home insurance, we can offer more comprehensive protection for their homes and possessions.”


Meanwhile, the limit for theft of contents from locked outbuildings is increasing from £2,500 to £7,500.

And the limit for items like patio furniture, barbecues and water features will rise from £1,500 to £12,000, while cover for relandscaping and replacing plants, such as in the event of storm damage or theft, will rise to £10,000, with a maximum of £500 per plant.

“With research showing a rise in the value of people’s belongings, increasing cover for valuables in the house and contents in the garden will help give customers peace of mind knowing their possessions are well protected,” Soni said.

”For those who want extra reassurance, personal belongings cover can be an excellent addition to their home insurance policies.”