What Aviva Offers
Like most large insurance companies, Aviva does not offer a mobile phone insurance as a one-off product. Instead, it is incorporated into other insurance policies. This means that, while it is possible to get phone insurance from Aviva, you will have to purchase a package that you may not particularly need.
The easiest way to get cover for your favourite device is to invest in some level of home and contents insurance. Under this type of policy, which protects the value of items within your home from theft or damage, your smartphone will be automatically protected. This means that if your home is broken into, or you suffer unexpected damage, you’ll be able to claim for the cost of your mobile.
However, one of the main downsides is that home insurance tends to be more expensive than dedicated mobile phone insurance, due to the overall value of items that are protected. Furthermore, this basic policy only covers your device against these specific scenarios. If you want to get extra protection– against, say, accidental damage – you’ll need to get Extra Accidental Damage cover on top of the policy, which in turn will cost more money each month.
Another clear downside of mobile phone insurance from Aviva is that you’re not covered when you leave the house, unless you pay for the additional Personal Belongings cover. As the name suggests, this extents your home insurance policy to include personal items that you frequently take out of the home, such as your mobile, laptop, cameras, and jewellery, initially up to the value of £2,000. While this does allow you to enjoy the freedom of more specific mobile phone insurance policies, your monthly insurance premiums will go up, meaning that you end up paying a lot more money than you need to for protected.