If you are a Singapore resident with a NRIC or FIN who owns or rents a property in Singapore and are aged 18 and above, you can purchase Aviva Home Insurance.

Yes. Click here to get an instant quote.  All it takes is 60 seconds or less for an immediate, no-obligation quote.

Cover included for all home policies includes:

• Loss or damage in the home by an extensive list of causes such as fire, flood, theft, earthquake and lightning, explosion, bursting or overflowing of water tanks or domestic appliances, riot strike or civil commotion and vehicle impact to home contents and/or any improvements or additions to your home (renovations).
• Your personal legal liability for any legal actions against you arising from accidental injury, death or loss to property that you are responsible for.
• Alternative accommodation costs or loss of rent if your home is damaged by any of the causes listed and as a result cannot be lived in.
• Emergency cash allowance if your home is damaged by any of the causes listed and as a result cannot be lived in for at least five (5) days.
• Medical expenses if you, your family members or your domestic employee suffer an accidental injury in your home by any of the causes listed.

Home Standard and Home Plus policies also include cover for:

• Accidental breakage of fixed glass/mirror.
• Loss of personal money, credit and debit cards.
• Utilities bill relief.

Home Plus policies also include cover for:

• Loss of personal papers such as ID cards, driving licence, title documents etc.
• Accidental death of domestic pet.
• Home cleaning expenses.

You will be covered for items such as:

• Furniture
• Domestic appliances
• Crockery & utensils
• Clothes
• Audio & visual equipment
• Camera
• Jewellery¹
• Watches¹
• PC & laptops

¹Subject to a single article limit and aggregate limit for valuables as shown on the policy documents.

Yes, if your premium is at least S$300 you may pay by monthly instalment under Instalment Payment Plan (IPP) through your UOB VISA / MasterCard credit card for any new business or renewal application. Note that debit cards are not accepted.

To make a claim, please call (65) 6460 9391 for our emergency assistance helpline. Alternatively, please download our claim form, fill it in with full particulars and full facts of the claim including its occurrence, detailed circumstances and extent of loss, and submit it with any supporting documents as soon as reasonably possible but no later than 7 days after the incident.

For general enquiries:

+65 6827 9966
Mondays to Fridays 08:45 - 17:30
(Excluding weekends and public holidays)

You may purchase home insurance online or through our intermediaries.

Aviva Home insurance is underwritten by Aviva Ltd.

As this policy is underwritten on a first loss basis, there is no penalty for under-insurance. However, we highly recommend that you review the cover level purchased regularly, so that you ensure you are adequately insured.

No. We do not apply no claims discount to home insurance policies.

The policy will normally remain in force for 12 months from the date of commencement (unless you have purchased the option for 2 or 3 years which will be shown on your policy schedule) and for any period for which you subsequently renew the policy; as long as you have paid your premium. You should review the level of benefit that you have chosen on a regular basis to make sure that it is sufficient to cover your needs.

You can view the Aviva Home Insurance Summary of Cover on our website under "Home Insurance". 

For new and renewed policies taken out on and after 2nd Dec 2020: - Summary of Cover

Not under the standard policy package. However, if you purchase the additional Family Personal Accident Cover, we will cover you, your spouse or child for any accidental bodily injury occurring anywhere in the world including necessary cost of modifying your home to aid mobility due to the accidental injury.

The following additional options are available:

Replacement Locks 

We will provide cover up to S$500 if the keys to the lock are lost or stolen for:

• External doors or gates of the home, or
• Alarm systems or domestic safes fitted in the home.

Food in Freezers 

We will provide cover up to S$500 for loss or damage to food stored in a freezer in the home caused by mechanical breakdown, explosion or failure in the temperature-control device of your freezer.

Bicycle / Personal Mobility Device

We will provide cover up to S$300 for any loss or damage, covered under the policy, to your bicycle, power-assisted bicycle or personal mobility device.

Family Cyber Risk Protector 

Under Identity Theft, we will pay for expenses incurred by you, up to a maximum of S$3,000, as the direct result of an identity fraud discovered during the time you are insured by us. We will also pay up to maximum of S$3,000 for any fraudulent transaction on your credit card.

Under Dispute with Online Retailer, we will indemnify you for your loss up to S$500 per eligible article or set of eligible articles and up to a maximum of S$3,000 per claim if you suffer financial loss arising from a dispute with an online retailer over any non-compliant article that you have purchased over the internet during the period of insurance.

Family Worldwide Personal Accident 

We will cover you, your spouse or child for any accidental bodily injury occurring anywhere in the world including necessary cost of modifying your home to aid mobility due to the accidental injury.

Yes. Once we confirm with you that we have collected your premium through our online payment gateway, you will have successfully purchased your policy. This should take a minute or two, and you will then be insured.

Yes, if any improvements or additions to your home that have been made by you or by any previous owner of the home including renovations to kitchens, fitted wardrobes, bathrooms, double glazing, air conditioners and wood or laminate flooring. The maximum we will pay is the limit shown on your policy schedule.

No. We do not offer contents insurance for properties outside of Singapore. However, you may wish to click on the country icon on our home page to visit other Aviva sites around the world.

All household items including personal computers, utensils, furniture and furnishings, domestic appliances, audio and visual equipment, personal belongings and clothing are covered provided that:

• You own; or
• You are legally responsible for (but not landlord's contents); or
• Belong to domestic employees who live with you.

Yes. The policy covers contents of your house, apartment or flat and any of its outbuildings (including garages) that are at the address shown on your policy schedule.

If you purchase the additional Replacement Locks cover we will provide cover up to S$500 if keys to the lock are lost or stolen for:

External doors or gates of the home, alarm systems or domestic safes fitted in the home.

If you purchase the additional Food in Freezers cover, we will provide cover up to S$500 for loss of or damage to food stored in a freezer in the home, caused by mechanical breakdown, explosion or failure in the temperature-control device of your freezer.

We will not cover loss or damage caused by a deliberate act of or a pre-scheduled maintenance with prior notification by the company (or its employees) supplying your power or loss or damage directly or indirectly caused by arising from the power supply being disconnected.

Yes, we provide cover for damage or loss caused by falling trees or branches.

No. We cover for damage caused by water escaping from water tanks, pipes, equipment and fixed heating or cooling systems.

Yes, whilst they are in your home.

The Aviva Home Insurance policy only provides cover for household contents and renovations. The HDB fire insurance policy covers your building and therefore, they are not the same. We recommend that you should, at all times, maintain the HDB Fire Insurance policy or such similar coverage, and protect your home contents with an Aviva Home Policy.

Yes.

Yes. You are legally responsible for the contents of the fully furnished rented accommodation and therefore you can insure them.

Yes, but please be aware that certain risks such as malicious or deliberate damage by tenants are not covered under your policy.

No. Aviva Home Insurance policies only cover specific types of loss such as fire, theft, earthquake, flood, etc. Please refer to the policy document for the full list of loss types covered.

No. We will not cover items outside of the home.

Yes, but your home must not be left unoccupied for more than 60 consecutive days.

Yes. You can insure the contents of another property you own or rent.

No. The cover offered is a package and must be purchased as such.

For Singapore citizens and permanent residents, the NRIC number is on your Singapore Identity Card, e.g. S1234567A. For foreigners, the FIN number is on the green card issued to you by the Immigration & Checkpoints Authority in Singapore.

The house, apartment or flat and its outbuildings (including garages), at the address (all used for domestic purposes only), that you would like to insure.

You do not need to. However, please note that certain valuable items have limits as to how much we will pay in the event of a claim. Please refer to the policy document for full details

Stamp, coin or medal collections, pictures, other works of art, items of gold, silver or any other precious metal, jewellery, watches and furs.

No. However, your policy does have an upper limit of what may be claimed per item. Please refer to the policy document for full details.

There may be certain occasions relating to claims where you may be asked to verify value and ownership. We would advise you to keep receipts for larger items of valuables to assist us in dealing with your claims.

A dwelling type is a house, apartment or flat.

Yes. Our online payment process is fully secured. If you have any specific concerns, please call our Customer Services Department at 6827 9966.

This is an interest free instalment plan offered by the banks. At the moment, this arrangement is with UOB credit cards only.

The minimum premium to qualify for IPP is S$300. You can choose between 6 or 12 months 0% Interest Instalment Payment Plan.

The bank will bill you monthly. The amount deducted will be reflected in your monthly credit card statement.

Your home insurance policy will remain in force, but the bank will issue finance charges, interest and fees on the outstanding amount at their prevailing rate.

We will provide a cancellation refund if you have not made a claim or there has not been an incident likely to give rise to a claim during the current period of insurance. Your cancellation refund will usually be based on short-period rates. Refunds will be credited to the original payment mode wherever possible within 14 working days. 

However, your instalment with the bank will still carry on.

You will receive a confirmation page once you have submitted your payment details and a confirmation email will be sent to your email address.

Yes. If you wish to allow someone else to make the payment for you, they may enter their credit card details.

As part of the purchasing process, we will confirm that the transaction has been successfully completed and send a confirmation email to your designated address, with soft copies of your policy documentation.

We will send an email to your designated address that contains a soft copy of your Aviva Home Policy, policy summary, summary of cover and receipt of payment. You can decide whether to print or store these on your computer. You can also download additional copies of your policy documents online, by logging in to MyAviva.

Yes at any time you wish by logging in to MyAviva and printing whatever copies are required.

Please contact us at personal_insurance@aviva.com.sg.

Please verify your credit card details. Also, it is recommended that you use Internet Explorer 11 or Firefox 27 as a minimum for the online purchase and payment process. If you still face problems, please call our Customer Services Department at 6827 9966.

Every renewal we reserve the right to review the terms, conditions and prices we offer you. If you have made any claims, this may affect what we offer you at that time.

Under the policy, we repair, replace or offer you money for the cost of replacing your damaged or lost items.

No. We will pay you the reasonable value of what your items are worth taking into account age, wear and tear and depreciation.

Yes. Certain sections of your policy will include deductibles or excesses. Please refer to the policy sections outlined in your policy document for clarification.

You may cancel your home policy online, by logging in to MyAviva.

Refunds will be credited to the original payment mode wherever possible within 14 working days.

In the event of cancellation, we will refund you 80% of the premium less a pro-rated amount for the period for which you have been covered. You will not be entitled to a refund if you have made a claim or there has been an incident likely to give rise to a claim during the current period of insurance. Please refer to the policy document for more information.

No. If you move to a new home, you can advise us of the change of address and we will then cover your household contents at that address from that date. We recommend that when you move, you should review your insurance cover and ensure that the plan you have covers the value of the contents and renovations of the new place adequately.

All Aviva home policies provide you with free access to the Aviva Home Emergency Assistance Helpline.

If you require assistance in an emergency, call our hotline at (65) 6460 9391 which is open all day, all night, every day of the year. The person you speak to will be able to understand the nature of your emergency and what assistance you need.

Aviva Emergency Assistance Helpline will offer details of specialists and will also detail their costs, which would have to be paid by you, who can help you with the following common household problems:

Locksmith Referral Assistance - If you are locked out of your home.

Plumbing Referral Assistance - If your homes' plumbing is clogged or a leak has sprung.

Electrical Assistance - If you have an electric power failure or short circuit in your home.

Air-Conditioner Engineer Assistance - If you have a problem with the air-conditioner in your home.

Pest Control Assistance - If you require assistance for pest control or pest control prevention for your home.

Home Cleaning Assistance - If you require assistance for cleaning of carpet, sofa, window, wall tiles or floor tiles in your home.

Television Repair Assistance - If your television set stops working or develops a fault.

Freezer and Refrigerator – If your freezer or refrigerator stops working or develops a fault.

Washing Machine Repair Assistance - If your washing machine stops working or develops a fault.

Home Nursing Care Assistance - If you need nursing care at home.

Neither Aviva nor IPA are responsible or liable for the action or advice given by the service providers. The service providers are not agents of either Aviva or IPA.

You will have to pay directly to the service provider for any services they render.

No. Your policy will remain in force as long as your house is not left unoccupied for more than 60 consecutive days.

Yes. Online renewal is a simple process. We will remind you ahead of time and guide you through each step.

You need to inform us of any changes that could impact your cover. For example, you should immediately inform us of any claim, change of names or change of address.

If you want to access your policy online, simply log in to MyAviva. From here you can choose to view, edit, and claim or cancel your policies. 

Your first point of contact should always be to our Customer Services Department. You can email us at personal_insurance@aviva.com.sg.

We will acknowledge receipt of your feedback within 3 working days whilst we look into the matter you raised. We will contact you for further information if required within 7 working days and provide you with a full reply within 14 working days.

If the outcome of your complaint is not handled to your satisfaction, you can write to:

Chief Executive Officer
Aviva Ltd. 4 Shenton Way,
#01-01 SGX Centre 2, 
Singapore 068807

We will respond to your appeal within 3 working days of receiving your communication.

If you are dissatisfied with our response, we will refer you to an independent dispute resolution organization; the Financial Industry Disputes Resolution Centre Ltd (FIDReC).

FIDReC's contact details are: 

Financial Industry Disputes Resolution Centre Ltd. 
36 Robinson Road 
#15-01 City House 
Singapore 068877 
Telephone : 6327 8878 
Fax : 6327 8488

Email : info@fidrec.com.sg

Website : www.fidrec.com.sg

Important - Please remember to quote your policy reference in your communication.

Your first point of contact should always be to our Customer Services Department. You can email us at personal_insurance@aviva.com.sg.