Why might Private Clients need Smart Home?
- Asset protection - home insurance can protect your client's property and belongings from risks such as fire, theft, and natural disasters. This can help to safeguard their investments and help to protect them against significant financial loss
- Liability coverage - in the event someone is injured on your client's property, this can cover medical expenses and legal fees, helping to save your client from a substantial financial burden
- Mortgage requirements - if your client has a mortgage, their mortgage lender might require them to have home insurance in place to protect their investment in the property
- Peace of mind - home insurance can reassure your clients that their home and valuable possessions are covered, allowing them to focus on other aspects of their life without worrying about potential losses
Why Choose Aviva Private Clients Smart Home?
Smart Home is designed for your clients with a main UK residence with a rebuild value between £400k and £1m and jewellery up to £100k.
What's covered as standard?
- Buildings Cover - we'll pay what it costs to rebuild your client's home up to £1m
- Other Permanent Structures - cover for up to 20% of the building sum insured for other permanent structures on your client's property like outbuildings and garages
- Art and Collectables - we'll cover art and collectables up to the value of £100k, so if they become damaged or come to harm, there's peace of mind that these are covered
- Jewellery and Watches - are covered for up to £100k, should they be subject to loss, damage or theft, clients can rest assured that there's insurance in place for those valuable items that matter the most
- Home Improvements - there's cover for up to £75k for damages arising from home improvements.
- Alternative Accommodation - should the unexpected happen and your clients need to leave their home, there's alternative residency cover for up to three years and a maximum of £200k, so they'll have somewhere to call home
- Public Liability - cover up to £5m to help cover your client should a third party come to harm whilst at their property
- Personal Cyber - cybercrime can leave your clients susceptible to fraud and identity theft and if your client is unfortunate enough to fall victim to a cyber attack, they're covered for up to £50k to help them recover
- Home Emergency - if there's been an unexpected issue affecting heating, plumbing, electricals or other essential facilities, there's cover available for up to £1k to help clients resolve any issues as promptly as possible
- Legal Assistance - £100k of cover for legal costs such as expenses or solicitors fees, should clients incur these
- Interest-free direct debit - policies can be paid for every month, with no interest added, so there are no added charges for your clients
Exclusions and limitations may apply. Please refer to your insurance product information document and policy wording for more details.
Trade online
You can get a quote, bind new business and manage existing business for Smart Home through Aviva Private Clients Online. For step-by-step guides and useful tips on how to navigate Aviva Private Clients Online, take a look at our How to Guide.
Make an enquiry
For general enquiries, please call 08000 924 396* or email apc@aviva.com**.
Effortless Claims
If you need to make a claim, rest assured we’ll do everything we can to resolve it as quickly and effortlessly as possible.
With a 98% customer claims satisfaction rate, our dedicated claims team provides a highly personalised approach, adding a human touch when it's needed the most.***
To make a Smart Home claim, call our 24/7 claims line on 0800 559 3951* or email conciergehome@aviva.com.
Key documents and resources
* Calls to 0800 numbers from UK landlines and mobiles are free. For our joint protection telephone calls may be recorded and/or monitored.
** For any enquiries, we're available 9-5 Monday to Friday excluding bank holidays.
*** Aviva Private Clients claims satisfaction rate based on 2024 claims survey results.
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