Smart Home

What does Smart Home cover?

• Blanket buildings cover up to £1m - we'll pay what it costs to rebuild your client's home as long as the building sum insured of their home doesn't exceed £1m.
• Unlimited contents – unlimited cover for general contents.*
• Jewellery – choice of up to £100,000 in cover.*
• Art and collectables – choice of up to £100,000 in cover.*
• Pedal cycles – choice of up to £30,000 in cover.**
• Home emergency – £1,000 for home emergency call outs.
• Personal cyber – £50,000 automatically included to protect your client against home systems damage, cyber online liability and cyber crime such as social engineering.
• £800 minimum premium including Insurance Premium Tax (IPT).
• £250 excess.

^{* £15,000 single article limit.}

^{** £4,000 single article limit.}

Please see policy documents for all exclusions.

We go to great lengths to make sure we get it right when things go wrong for your clients.

For a covered loss to your contents, art and collectables, jewellery and watches or pedal cycles, we'll decide whether to:

• Repair the item.
• Replace the item as new, if a replacement isn't available we'll replace it with an item of similar quality.
• Make a cash settlement for the value at which we could replace the item.
• We'll not deduct anything for wear and tear.

How to claim

• smarthomeclaims@aviva.com
• For personal cyber - smarthomecyber@aviva.com
• Telephone from within the UK: 0800 559 3951*
• Telephone from outside the UK: +44 (0)121 368 3170*

You can find out more about our claims process by visiting our Claims Service page.