Aviva Mold Coverage
Nope
United KingdomRead Nov 12 2026
Aviva
- Covered
- Buildings cover includes damage from water escaping from tanks, pipes, plumbed in appliances, fixed equipment or the heating systemSource, policy form
- Excluded
- The policy does not pay for damage that builds up slowly over timeSource, policy form
- Mold cap
- None printed on our sources
Aviva home insurance in the UK covers water escaping from pipes, tanks and appliances. It does not pay for damage that happens gradually, and its contents accidental damage cover excludes fungus, damp and rot.
Insurer website aviva.co.uk
What Is Covered
Buildings cover includes damage from water escaping from tanks, pipes, plumbed in appliances, fixed equipment or the heating system.
Water escaping from or freezing in water tanks, pipes, plumbed-in home appliances (such as washing machines and dishwashers), fixed equipment or fixed heating system.
What Is Excluded
The policy does not pay for damage that builds up slowly over time.
any other gradually occurring damage (except subsidence, heave and landslip)
Contents accidental damage cover does not pay for damage caused by fungus, damp or rot.
moths, vermin, insects, fungus, damp, rust, wet or dry rot or weather conditions
Conditions You Have To Meet
Sealant and grout around baths and showers must be kept up, because leaks from failed seals are not covered.
we won’t cover escape of water damage caused by them failing
How To Make A Claim
Claims can be made online or by phone, 24 hours a day.
Go to aviva.co.uk/make-a-claim or call us on 0345 030 7360.
Before You Call Aviva
- Stop the water and take dated photos before anything is moved.
- Find the mold or fungi wording and any mold limit on your own policy and declarations page.
- Report the claim quickly, since late notice is a common reason claims are denied.
- Keep receipts for drying and repairs you have to do to stop more damage.
Rules That Apply In United Kingdom
Further Reading
- How fast mold grows after water damage, for the EPA 24 to 48 hour drying window.
- Mold after water damage, a timeline, for why the first two days decide most mold jobs.