When will I receive my renewal quote?
You will receive your renewal invitation approximately 30 days prior to your home insurance policy ending.
The renewal invitation will be available through your MyAviva portal plus you will also get an email regarding the renewal.
How do I make a renewal payment?
You can simply renew online.
To retrieve your renewal quote and to renew online, you will need either your:
- date of birth
- policy number
How do I edit/amend my renewal?
If you have received your renewal quote and need to make amendments, you can do so online.
If you are unable to make the amendment online, you can contact us
My sums insured was increased at renewal by Aviva, why did this happen?
Under-insurance / Average Clause
For most policies an ‘average’ condition will apply which, in the event of under- insurance, will reduce your claim payment by the percentage you are under-insured. Here are some examples of how under-insurance could affect a claims payment:
Example A Partial Damage
- The insured home is insured for €300,000 but the full cost to rebuild the property is €400,000.
- This means that the home is under insured by €100,000 (25%).
- Damage occurs to the home and the cost to repair the damage is €100,000.
- Where the condition of average applies a deduction of 25% (€25,000) is made from the cost of repairs.
- Therefore the most the policyholder will receive is a payment of €75,000.
Example B Total Loss
- The Insured home is insured for €300,000 but the full cost to rebuild the property is €400,000.
- This means that the home is under insured by €100,000 (25%).
- Damage occurs to the home where it requires a complete rebuild.
- As the home has been insured for €300,000 this is the maximum payment that can be made. The outcome is the same when the condition of average applies.
For the scenarios above, the payment made to the policyholder is not sufficient to fully repair the damage caused.
Note: The above examples do not include other settlement factors, such as excess. For details on how this applies to your policy please refer to the How we settle claims section of your policy booklet and your policy schedule.
You should also read your policy schedule and/or statement of fact document in full which may outline additional terms, conditions or endorsements, in addition to those in your policy booklet, which may impact on the policy cover and/or settlement of a claim.
Click through for a home insurance quote and more information.