As with any insurance product, prices differ for different people and properties. Various factors, including age, occupation, and property characteristics, can affect your premium quote. For example, an insurance premium quote for a 33-year-old London homeowner in a mortgaged two-bedroom flat would vary considerably from one person to the next.
Coverage
If you’re in the market for home insurance, you may want to consider the various levels of coverage offered by Aviva. These policies can be purchased directly from the insurance provider’s website. These policies cover the essential elements of a home, but they may not include optional extras. So to make sure you’re adequately covered, you’ll need to add optional extras to your policy.
Aviva’s home insurance policies offer various coverage levels, and you can add endorsements to increase your coverage. By choosing the right level of coverage, you can protect the value of your home and your personal belongings. For example, you may consider a plan covering earthquakes, identity theft, and water damage.
Excess
Excess is an amount you must pay if you make a claim under your insurance policy. In most cases, insurers will not pay for claims for less than the excess amount. It will help if you read through your policy document for details of your excess amount. Excess amounts can be different for different types of insurance. For example, some insurance policies have different levels of excess for buildings, contents, and subsidence.
Aviva home insurance reviews show they are a good choice regarding excess coverage. However, the price will depend on your property and personal circumstances. The illustration provided in this article is for a 33-year-old London homeowner with a mortgaged two-bedroom flat. Personal circumstances are likely to affect premium quotes.
Customer service
Aviva Home Insurance Customer service is available to answer all questions and concerns from a customer’s perspective. The company’s main website contains three links: More information, Retrieve a quote, and Make a claim. Customers can select the appropriate option to proceed and then fill in their details. An Aviva representative will respond to their request within eight weeks.
If the company does not resolve your complaint on the first try, you can contact the Financial Ombudsman Service to file a complaint. The financial body will investigate and find a fair solution for both parties. However, customer service can be frustrating, especially if you are on hold for a long time.
Value ratios
If you want to save money on your home insurance, consider reading about the value ratios of Aviva home insurance policies. These financial ratios compare companies, industries, and even single companies. They are also used to compare companies to the averages of their peer groups. For example, a company with high financial ratios is likely to be more affordable. However, be aware that the value ratios are not necessarily the same as the ones of other companies.
Plan options
When comparing Aviva Home Insurance plan options, it is essential to note that they offer different levels of coverage and pricing. Prices vary significantly from policy to policy and depend on the details provided by the customer. This makes it difficult to compare different plans from different companies. Premium quotes may vary depending on the excess level, cover amount, and the add-ons chosen. In addition, customers have mixed opinions about Aviva and its claims service.
Some policies have deductibles and exclusions, so it’s essential to understand them before buying your policy. For example, a higher deductible means a lower premium, but it also means that the insurance payouts are likely to be less generous. You should also know the exclusions and limits on different policies. For instance, the Aviva Home Insurance plan may not cover valuables or matching sets.