Aviva Home FAQ

Who do I call to make a claim?

In the event of a claim you should contact Aviva on 1890 555 888, if making contact outside of business hours an Aviva staff member will take the basic details of your claim and a claims handler will follow up with you the next working day.Normal business hours, 9am – 6pm Monday to Friday (excluding Bank Holidays).

When you are making a claim please note the following points:

Complete and return a claim form. Estimates should be submitted with your claim. Once the estimate has been agreed by Aviva, you can proceed with repairs/redecoration.

When necessary – in the case of broken windows or burst pipes for example – you should have emergency repairs carried out immediately to prevent possible further damage to your property.

If property has been stolen or maliciously damaged, or if you lose a valuable item, you should inform the Gardaí or Police as soon as possible. You will receive the Garda report form with your claim form.

If the claim includes injury to someone else or damage to their property, you should send written details to Aviva as soon as possible. It is vital that Aviva deal with such claims on your behalf. Any letter or documents you receive should be sent, unanswered, to Aviva without delay.

Where Aviva need to discuss your claim you will be contacted as soon as possible to make an appointment.

What do I do if my property has been affected by flood or storm damage?

If your property has suffered storm or flood damage there are a few steps you can take before you contact Aviva.

You must not proceed with full repairs without Aviva’s approval. Aviva, at their option, nominate a contractor to carry out repairs.

Storm Damage:

You can contact a contractor to inspect the roof and if necessary carry out emergency repairs only.

Flood Damage:

You can take steps to remove the flood water from your property. In the event of widespread flooding your local council or fire brigade may be able to assist you.

You can clean up as best you can. Please do not dispose of any items as Aviva may arrange for an inspection.

Photograph the damage to your property and contents.

Avoid touching any contaminated items, unless wearing suitable gloves.

Arrange for an electrician to check the electrics.

Unblock any external wall vents. Also check the floor void for floor water. This will need to be cleaned and disinfected.

Leave the heating on to help the property dry out. You can also hire dehumidifiers. When a dehumidifier is on, close your windows. A dehumidifier should be emptied on a regular basis.

What is HomeRescue?

HomeRescue is an emergency 24-hour, 365 days-a-year nationwide service, which will complement your existing household insurance policy by providing an immediate solution to your emergency with a single telephone call. HomeRescue assists you in an emergency situation as a result of:

  • Damage to plumbing
  • Overflowing water tanks
  • Blocked drains
  • Electrical failure within the home
  • Non-security of locks, doors and windows
  • Broken glass.

For details on what is covered, consult the home rescue information sheet or alternatively contact Mapfre on 1800 992 600. 

What is an excess?

An excess is the first amount of any loss that you are responsible for paying in the event of making a claims. This amount is deducted from the total claim settlement figure.

There are different excesses applicable depending on the type of claim.

Please see table below for excesses applicable to your policy:

AVIVA EXCESSES

Main Residence Rental Property Holiday Home

Standard €275 €715 €715

Subsidence €1,000 €1,000 €1,000

Water Damage €1,000 €990 €990

Please note you can increase the excesses on your policy, please refer to your home schedule to see if this applies to you or alternatively contact our helpdesk on (01) 4084020.

What is classed as buildings and contents insurance?

As a guide, Buildings include:

  • The structure of your home
  • Built-in wardrobes
  • Fitted kitchens
  • Wooden floors
  • Garage and outbuildings
  • Walls, gates and fences
  • Patios

As a guide, Contents include:

  • Household goods
  • Clothing
  • Furniture and furnishings
  • Personal effects

How much should I insure my buildings for?

Your buildings should be insured for its reinstatement value, including the cost of professional fees and site clearance. You can obtain guidance on reinstatement value on

https://www.scsi.ie/ using their rebuilding calculator.

How much should I be insuring my contents for?

Your contents should be based on the cost of replacing the contents as new at today’s prices, and should cover everything that you would take with you if you moved house. The contents should cover all items within the home and domestic outbuildings. If cover is needed for items away from the home e.g. jewellery “all risks” cover must be selected. Please refer to the FAQ section on “all risks cover” for more details.

What happens if I underinsure my home?

The average clause applies to our household policies. This means that if the sum insured at the time of the loss is less than the insurable value of the buildings or contents the amount claimed under the policy may be reduced in proportion to the underinsurance. 

What is all risks cover?

What is accidental damage cover?

Accidental damage cover is for sudden unforeseen damage arising from an incident or action which is not weather related.

For example, spilling paint accidentally on a carpet is covered under the Contents accidental damage extension; putting a foot accidentally through the attic floor is covered under the Buildings accidental damage extension.

Accidental damage is an optional benefit on Aviva main residence policies. It is not available on rental or holiday home policies. Please refer to your policy schedule to see if this benefit applies to you or alternatively contact the helpdesk on (01) 4084020.

What liability cover do I have under my Household policy?

The buildings section of the household policy provides cover for liability arising out of ownership of the buildings.

The contents section of the household policy provides cover for liability arising out of:

  • Occupancy of the buildings
  • Insured’s personal capacity

The maximum amount Allianz will pay for these covers is €3,000,000. Please refer to your Household Policy document for details.

Does my home insurance cover workmen?

Domestic employees are covered under Liability to Domestic Employees section of the policy, however no cover is provided for independent contractors. A domestic employee is defined as an employee of the household carrying out solely private domestic duties in connection with the Buildings including repair, maintenance or decoration.

Does my home insurance cover visitors?

Liability to others is covered as standard on your policy. Visitors to your home for business purposes are not covered on a standard home policy.

Aviva Main residence and Aviva Holiday Home (own use only) policies also cover visitor’s and guest’s property up to a maximum of €1,300. Please refer to your policy booklet for details. 

What is an endorsement?

An insurance endorsement is an amendment or addition to an existing insurance contract which changes the terms or scope of the original policy. An insurance endorsement may be used to add, delete, exclude or otherwise alter coverage. An insurance endorsement may be issued mid-term, at the time of purchase, or at renewal. The insurance endorsement is a legally binding amendment to the insurance contract.

Please refer to your Home schedule to see what endorsements apply to your policy or alternatively contact the helpdesk on (01) 4084020.

What happens if I move house?

In the event you move property during your policy term you will need to make us aware prior to vacating the property.

Contact the helpdesk on (01) 4084020 to discuss your options.

Is my property covered if it is not occupied?

Property is considered unoccupied if it not lived in on a permanent full-time basis by the members of your household or any other person authorised by you.

If your property becomes, or is likely to become unoccupied, please advise Aviva of this change, as this information may affect your insurance.

Where a property is unoccupied for more than 60 consecutive days some covers are automatically excluded. Please refer to your household document for details.

How do I renew my policy?

How do I make changes to my policy after it has started?

Whether you want to add an item to your home insurance policy or change your address, you can contact one of our Home Insurance Experts on (01) 4084020.  We will discuss the changes to your policy that you need and if there will be any additional charge to your home insurance premium or any change to the terms and conditions of your home insurance policy.

How do I get a Letter of Indemnity for the bank?

In order to obtain a Letter of Indemnity, we require the name of the Interested Party. Once we receive this information, a Letter of Indemnity will be sent directly to the interested parties address. Each year once the policy has been renewed an updated Letter of Indemnity will be issued to the Interested Party.

You can at any stage during the policy term, request for a duplicate letter of Indemnity to be issued. You can also amend the name of the Interested party throughout the policy term by contacting our helpdesk on (01) 4084020.

How do I cancel my policy?

In order to cancel your policy we will need written instruction from you and any other policyholders confirming the policy number and the cancellation date. We will also need to know the reason for cancelling the policy.

All required documents can be returned to:

Home Department

Cornmarket Group Financial Services LTD.

Christchurch Square,

Dublin 8.

Alternatively you can email your cancellation request to: pidocissue@cornmarket.ie.  

Once we receive the cancellation request, we can cancel from that date or from a future date. If there has been no claim during the current period of insurance, we will return premium for the unexpired period of insurance.