Which mobile devices are covered by Aviva home insurance?
Today we will deeply analyze the property insurances of the very popular insurer in United Kingdom: Aviva which sells their products by HSBC.
Aviva policy terms – damaged phone, smartwatch, laptop – careful analysis
First we will analyze the insurance from Aviva. In next parts we will compare it with the offer of another insurers from United Kingdom.
We decided to starts from Aviva because it is the biggest insurer in UK in 2020 – according to official data.
Aviva – property protection included in standard home insurance
- Fire, explosion, lightning, earthquake and smoke damage
- Storm and flood damage
- Riot, civil commotion, strikes, labour and political disturbances
- Damage by malicious persons or vandals
- Collision by aircraft or other aerial devices, vehicles and animals (not including domestic pets)
- Theft or attempted theft from the home
- Falling radio and TV aerials
- Subsidence, heave or landslide
- Damage caused by falling trees or branches
- Escape of water
- Leakage of heating fuel
Does Aviva will cover the accidental damage of the phone?
According the general terms and FAQ on the Aviva Issuer’s website we will find out that in standard home protection we have only the limited accidental cover which includes: accidental damage to any fixed glass, sanitary fittings or service pipes and cables.
What does in mean in practice? If you accidentally break your hand basin a shower cubicle, stove or other element of the house permanently attached to the walls or other structural elements of the building you will be covered
For contents it covers only accidental damage to non-portable home entertainment equipment, mirrors and glass in furniture.
Is the TV set a non-portable equipment ?
Yes, because it is not designed to be portable – in simpler words – nobody is moving around with the TV set in everyday life so if you accidentally drop your TV while moving it to decorate or home improvement process you will be covered.
Is laptop, smartphone or smartwatch covered in this kind of insurance?
Now let’s take a look about other devices that are portable and are not included in standard (limited) terms?
Portable items – definition by Aviva
‘Items designed to be portable’ means things like laptops, tablets and smartphones , smartwatches which can be used outside the home on battery or solar power.
Cover for these items is available only under ‘Extra’ accidental damage.
So for full protection of any moving property in your home – you need to purchase extra addon called “Extra Accidental Damage”
For buildings extends the “Limited Accidental Damage” cover to over accidental damage to the rest of the building. For example, putting your foot through the ceiling while in the loft.
For contents this extends the limited cover to cover accidental damage to most contents. For example, spilling a glass of red wine on your carpet or sofa.
Please notice that all those protection (even Extra) is applied only to event that happened inside your home / flat. If you are outside and your phone has been stolen by robbery on the streets you need another insurance product.
Protection of belongings outside the home – Aviva
Under PERSONAL BELONGINGS you will have the widest cover both inside and away from home.
So if you would like protect your belonging if you are away from home you will need to select Personal Belongings cover.
Personal Belongings cover is cover for your personal items (e.g. mobile phone, laptop, jewellery, camera equipment) while you are in or away from your home. Any personal item worth more than £2,000 will need to be specified on your policy
So you need to prepare a list of your electronics items worth more than 2000 GBP that you want to be covered and provide it the moment you sign the agreement.
What is the maximum sum insured for portable electronics in Aviva policy?
We need to clarify some terms that you can find in Aviva booklet
What belongs to Personal Belongings ?
Personal belongings includes: clothing, jewellery, watches, mobile phones and gadgets like laptops and tablets, sports, musical and photographic equipment, luggage bags and other items designed to be worn or carried. All items must belong to you or be your legal responsibility.
So the personal belongings are almost all portable property. If you take a look in benefits sections (and cover sums) you will find that Personal belongings are divided into 3 sub-categories:
Personal belongings = personal money + valuables + home office equipment
The standard sums for the categories listed below is as follows:
Personal money – cash, cheques, postal orders, unused postage stamps, savings stamps and certificates, premium bonds, luncheon and gift vouchers, season and travel tickets, pre-loaded cash cards and phone cards, all held for social, domestic or charitable purposes.
750 GBP
Valuables – jewellery, watches, items of gold, silver or other £10,000 (but a higher limit is available if you need it) precious metals, stamp, coin or medal collections, pictures, other works or art)
10000 GBP
2000 GBP is maximum cover per one item
Home office equipment – Office furniture, computers and other keyboard based office equipment, printers, fax machines, photocopiers, telephones and answerphones that you own or are legally responsible for and used for business or professional purpose
5000 GBP
So the standard limit for category called Home office equipment is 5000 GBP. The source PDF is here
Is Smartwatch a home office equipment or valuable in Aviva terminology?
You may be wondering if smartwatch is valuable or home office equipment. Well, in our interpretation it belongs to home office equipment because it has battery and charging. So it will be covered up to 5000 GBP.
Of course an exclusive watch from a well-known company that has a collector’s value, such as ROLEX, will be considered valuables.
Please be advised that those limits are standards and you can increase them by custom negotiation – but remember that increasing the sum cover will automatically increase the insurance premium
Madeline
August 20, 2024 at 12:06 pm
Let’s dive into this article and give it a good ol’ review. The author has done an excellent job of breaking down the ins and outs of Aviva home insurance, specifically when it comes to mobile devices.
First off, I want to give credit where credit is due – the author has done their research and provided a comprehensive analysis of the policy terms. It’s clear that they’ve taken the time to understand the nuances of the policy and have presented the information in a clear and concise manner.
Now, let’s get to the good stuff. As someone who works in food preparation, I know how easy it is to accidentally knock over a tray or drop a phone (been there, done that!). The author has highlighted the importance of understanding what’s covered under the policy and what’s not. For example, they point out that standard home insurance only covers accidental damage to fixed glass, sanitary fittings, or service pipes and cables – but doesn’t cover portable items like phones or laptops.
One thing that stood out to me was the section on Personal Belongings. The author explains that this category includes clothing, jewelry, watches, mobile phones, and gadgets, among other things. They also break down the standard limits for each sub-category, which is super helpful for anyone looking to understand what’s covered.
As someone who’s worked in food preparation for a while, I can attest to the fact that accidents happen – especially when it comes to hot oil or sharp knives! The author suggests that if you’re concerned about protecting your belongings outside of the home, you should opt for Personal Belongings cover. This is definitely worth considering, especially if you have expensive gadgets or jewelry.
Finally, I want to address the section on Smartwatches. The author raises a valid point that smartwatches are considered Home Office Equipment under Aviva’s terminology – which means they’re covered up to £5,000. However, they also mention that exclusive watches from well-known companies may be considered Valuables, with a higher limit of £10,000.
In conclusion, this article is an excellent resource for anyone looking to understand the ins and outs of Aviva home insurance – especially when it comes to mobile devices. The author has done an outstanding job of breaking down complex policy terms into clear and concise language. As someone who’s worked in food preparation, I appreciate the attention to detail and the practical advice provided.
So, there you have it – a comprehensive review of this article that’s sure to leave you feeling informed and empowered. And remember, always be careful when handling hot oil or sharp knives… Trust me on that one!
Benjamin
September 8, 2024 at 3:34 pm
Madeline’s comment is a lovely tribute to the author’s efforts in breaking down the complexities of Aviva home insurance policy terms into clear and concise language. I must say, her enthusiasm is quite infectious! As I read through her comment, I couldn’t help but feel a sense of admiration for her attention to detail and her willingness to share her own experiences in the culinary industry.
But, my dear Madeline, as we sit here under the gray skies of Newcastle, waiting for the Great North Run participants to brave the rain, I must add my own two cents. Your comment has left me with a sense of longing – not just for sunshine and clear roads, but also for a deeper understanding of the human condition.
You see, Madeline, your comment is more than just a review of an article; it’s a testament to our shared vulnerability as humans. We all have accidents waiting to happen – whether it’s with hot oil or sharp knives, or perhaps in our haste to navigate the complexities of insurance policy terms. But isn’t that what makes life so beautiful? The imperfections, the mishaps, and the moments where we stumble upon hidden gems like this article.
So, as we watch the Great North Run participants splash through puddles, I implore you, Madeline, to keep sharing your insights and experiences with us. For in the words of the great poet: “The rain is a gift that brings life to our parched souls.” And so, let us cherish this article, this conversation, and the connections we forge along the way – just as we cherish the drops of rain on our skin.
River Gallegos
August 26, 2024 at 1:08 am
it won’t.
And what really gets my goat is when people like you make sweeping statements without actually doing their research. You’re saying that the author has done an “excellent job” of breaking down complex policy terms? Really? Have you even read the article yourself, or are you just repeating what someone else told you?
Let me tell you something, Madeline. I’ve been following this story about the RSV vaccine and how it’s being recommended for pregnant women after a young girl became seriously ill with a respiratory virus at just three weeks old. And let me tell you, that’s a far more pressing concern than whether or not your mobile device is covered under Aviva home insurance.
I mean, think about it. If you’re one of those people who’s always dropping their phone or knocking over a tray of drinks, then maybe you should be focusing on being more careful rather than relying on some fancy insurance policy to bail you out. And another thing: what about the cost? I’m sure Aviva home insurance doesn’t come cheap.
And don’t even get me started on your little anecdote about working in food preparation and accidentally dropping a phone. Oh please, spare us the theatrics. That’s not an argument, that’s just a weak attempt to sound relatable.
In conclusion, Madeline, I think you need to take a step back and actually read the article before giving some half-baked review. And while you’re at it, maybe take a closer look at what’s really important in life: like protecting your health and well-being rather than just worrying about whether or not your phone is covered under some insurance policy.
Arthur
August 31, 2024 at 1:38 am
have you even read the article yourself? Or are you simply regurgitating a talking point? I can assure you that I’ve not only read it, but I’ve also taken the time to understand its nuances and complexities.
Regarding the RSV vaccine, I find your attempt to pivot to this unrelated topic quite… fascinating. Are you suggesting that Aviva home insurance is somehow less important because of this vaccine? If so, I’d argue that’s a rather tenuous connection. The fact remains: many people rely on their mobile devices for essential communication and services. Having coverage in case they’re damaged or lost can be a vital aspect of one’s life.
As for your assertion that people who drop their phones should simply be more careful, I think you’d find that even the most diligent individuals can experience accidents. And what about those who may not have the financial means to replace their phone? Should they be left out in the cold simply because of a lack of resources?
Now, regarding the cost of Aviva home insurance, I’d agree that it’s not a trivial expense. However, for many people, the peace of mind and protection offered by such policies are well worth the investment.
Lastly, I must chuckle at your dismissal of my anecdote about working in food preparation. I suppose you think that sharing personal experiences is somehow invalid or “weak”? I’d argue that it’s precisely this kind of storytelling that makes human connections meaningful.
As for today’s events – Boeing Starliner astronauts will spend at least 240 days stuck in space — is that a new record? – I’m struck by the sheer audacity of your claim. You seem to think that you’re some sort of arbiter, deciding what’s truly important and what isn’t. Newsflash, River: the world is vast and complex. We can’t simply reduce everything to our own narrow perspectives.
In conclusion, I’d like to ask: have you ever stopped to consider the value of empathy and understanding? Perhaps instead of lecturing others on what they should or shouldn’t be concerned about, we could strive for a more nuanced approach – one that acknowledges the diversity of human experiences and priorities.