Aviva

Aviva is one of the largest insurance companies in the UK. It’s also one of the oldest and can trace its history back to the Hand in Hand Fire & Life Insurance Society, which was founded in 1696.

Aviva in its current form was created by a merger of the insurance companies Norwich Union and Commercial Union in 2000. The name Aviva was adopted in 2002.

It is a publicly limited company, listed on the London Stock Exchange and a member of the FTSE 100 index.

As well as insurance, it offers savings and investments products.

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Breakdown Cover

Ranked 7^th of 31 providers reviewed.

Customer happiness score	61.21%
Customer trust score	63.94%
Complaints performance	63.27%
Transparency rating	67.81%
Fairer Finance score Reviewed Autumn 2023	64%

Car insurance

Ranked 34^th of 49 providers reviewed.

Customer happiness score	60.56%
Customer trust score	55.55%
Complaints performance	72.7%
Transparency rating	62.99%
Fairer Finance score Reviewed Autumn 2023	63%

Home emergency cover

Ranked 6^th of 35 providers reviewed.

Customer happiness score	58.68%
Customer trust score	62.31%
Complaints performance	72.69%
Transparency rating	72.59%
Fairer Finance score Reviewed Autumn 2023	67%

Home insurance (building and contents)

Ranked 26^th of 46 providers reviewed.

Customer happiness score	57.37%
Customer trust score	55.22%
Complaints performance	72.7%
Transparency rating	76.21%
Fairer Finance score Reviewed Autumn 2023	65%

Investing and pensions

Ranked 18^th of 27 providers reviewed.

Customer happiness score	55.13%
Customer trust score	61.75%
Complaints performance	77.25%
Transparency rating	57.54%
Fairer Finance score Reviewed Autumn 2023	63%

Life insurance

Ranked 4^th of 24 providers reviewed.

Claims score	90.75%
Complaints performance	87.33%
Transparency rating	60.67%
Fairer Finance score Reviewed Autumn 2023	80%

Private medical insurance

Ranked 2^nd of 11 providers reviewed.

Customer happiness score	58.24%
Customer trust score	59.47%
Complaints performance	87%
Transparency rating	79.91%
Fairer Finance score Reviewed Autumn 2023	71%

Travel insurance

Ranked 7^th of 45 providers reviewed.

Customer happiness score	57.02%
Customer trust score	57.23%
Complaints performance	72.7%
Transparency rating	66.96%
Fairer Finance score Reviewed Autumn 2023	63%

Courtesy car for duration of repair i
Uninsured driver promise i
Cover limit for lost keys i	Unlimited
24hr helpline available i
New car replacement i
Courtesy car provided if stolen / total loss i
Windscreen repair excess i	£10.00
Windscreen replacement excess i	£115.00
Cover limit for stolen keys i	Unlimited
Cover for replacing original audio/visual equipment i	Unlimited
Repairs guarantee (years) i	Lifetime
Vandalism i

Home Security Cover i
Home Emergency Cover limit i	£1,500.00
Primary Heating System i
Cover Type i	Add-On
Internal plumbing and drainage i
Boiler breakdown cover i
Pest infestation cover i
Alternative Accommodation Cover i	Reasonable Cost
Unoccupied period i	Not Mentioned
Annual boiler service i
Internal gas supply pipe cover i
Domestic Power supply covered? i
Claims limit i	Unlimited

Home Security Cover i
Home Emergency Cover limit i	£3,000.00
Primary Heating System i
Cover Type i	Add-On
Internal plumbing and drainage i
Boiler breakdown cover i
Pest infestation cover i
Alternative Accommodation Cover i	Reasonable Cost
Unoccupied period i	Not Mentioned
Annual boiler service i
Internal gas supply pipe cover i
Domestic Power supply covered? i
Claims limit i	Unlimited

Home Security Cover i
Home Emergency Cover limit i	£1,000.00
Primary Heating System i
Cover Type i	Add-On
Internal plumbing and drainage i
Boiler breakdown cover i
Pest infestation cover i
Alternative Accommodation Cover i	£1,000.00
Unoccupied period i	Not Mentioned
Annual boiler service i
Internal gas supply pipe cover i
Domestic Power supply covered? i
Claims limit i	Unlimited

Account closure fee	£0.00
Charge for transferring investments to another platform i
Charge for automatic reinvestment	£0.00
Charge for transferring cash to another platform	£0.00
Early Account Closure Fee (12 months or less)	£0.00
Inactivity Charge	£0.00
Charge for selling holdings if not enough money in account to pay other charges	£0.00
Charge for telephone/postal share dealing
Same Day Payment Charge	£0.00
Cost of receiving paper statements for a year	£0.00
App available i

Annual cost of regular payments (drawdown)	£0.00
Fee for setting up drawdown	£0.00
Charge for taking whole pot under triviality rules	£0.00
Account closure fee	£0.00
Charge for transferring cash to another platform	£0.00
Charge for transferring investments to another platform i	£0.00
Charge for automatic reinvestment	£0.00
Charge for withdrawing your tax-free lump sum	£0.00
Cost of adding funds to drawdown, or reviewing flexi-access drawdown (not capped)	£0.00
Charge for purchasing an annuity	£0.00
Charge for telephone/postal share dealing
Same Day Payment Charge	£0.00
Cost of receiving paper statements for a year	£0.00

Cost (Year 1) i	£408.00
Account closure fee	£0.00
Charge for transferring investments to another platform i	£0.00
Does the provider have a mobile app?
Charge for selling holdings if not enough money in account for charges	£0.00
Completing paper applications	£0.00
Cash withdrawal by BACs	£0.00
Same day payment/payment by CHAPs	£25.00
Early account closure fee	£0.00
Cost of receiving paper statements for a year	£0.00
Charge for transferring cash to another platform i	£0.00

Cost of setting up income drawdown	£0.00
Annual cost of regular payments	£0.00
Charge for taking your tax free lump sum from your pension, or for making a one off or new regular payment after drawdown has started	£0.00
Cost (Year 1) i	£1,224.00
Charge for selling holdings if not enough money in account for charges	£0.00
Completing paper applications	£0.00
Same day payment/payment by CHAPs	£25.00
Account closure fee	£0.00
Cost of receiving paper statements for a year	£0.00
Charge for transferring cash to another platform i	£0.00
Charge for transferring investments to another platform i	£0.00
Charge for withdrawing your whole pension (if it is small enough to meet government rules)	£0.00
Cost of adding money into your pension once drawdown has started, or the cost of reviewing the amount you're drawing down	£0.00
Charge for account closure within 12 months through drawdown	£0.00
Cost of reviewing your income drawdown if it is a capped drawdown plan	£0.00
Charge for purchasing an annuity	£0.00

Cost (Year 1) i	£816.00
Account closure fee	£0.00
Charge for transferring investments to another platform i	£0.00
Does the provider have a mobile app?
Charge for selling holdings if not enough money in account for charges	£0.00
Completing paper applications	£0.00
Cash withdrawal by BACs	£0.00
Same day payment/payment by CHAPs	£25.00
Early account closure fee	£0.00
Cost of receiving paper statements for a year	£0.00
Charge for transferring cash to another platform i	£0.00

Physiotherapy i	Optional
Video or telephone consultations with GP i	5/year
Radiotherapy i	Full cover
Chemotherapy i	Full cover

Employers' liability cover limit i	£10,000,000.00
Public liability cover (maximum) i	£10,000,000.00
Product liability cover (maximum) i	£10,000,000.00
Data protection liability cover limit i	£1,000,000.00
Metered utilities covered i	Water, gas and electricity

Employers' liability cover limit i	£10,000,000.00
Public liability cover (maximum) i	£10,000,000.00
Product liability cover (maximum) i	£10,000,000.00
Data protection liability cover limit i	£1,000,000.00
Metered utilities covered i	Water, gas and electricity

Employers' liability cover limit i	£10,000,000.00
Public liability cover (maximum) i	£10,000,000.00
Product liability cover (maximum) i	£10,000,000.00
Data protection liability cover limit i	£1,000,000.00
Metered utilities covered i	Water, gas and electricity

Employers' liability cover limit i	£10,000,000.00
Public liability cover (maximum) i	£10,000,000.00
Product liability cover (maximum) i	£10,000,000.00
Data protection liability cover limit i	£1,000,000.00
Metered utilities covered i	Water, gas and electricity

Medical excess i	£100.00
Cancelling before travel cover limit i	£5,000.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i	£1,500.00
Emergency medical cover and repatriation cover limit i	£10,000,000.00
Mental health cover i
Max trip duration i	90 days
Cutting trip short (curtailment) cover limit i	£5,000.00
Abandoning your trip (abandonment) cover limit i	£5,000.00
Personal money i	£500.00
Combined passport & travel documents cover limit i	£750.00
Natural disaster relocation cover i

Aviva

Car insurance

Commercial Vehicle Insurance

Home emergency cover

Investing and pensions

Fund and Share Accounts (for high frequency trading)

Fund and Share Accounts (for low frequency trading)

Income Drawdown products (self-invested)

Ready-made General Investment Accounts

Ready-made Income Drawdown

Ready-made Personal Pensions

Ready-made Stocks and Shares ISAs

Self-invested Personal Pensions (SIPPs)

Stocks and Shares ISAs (self-invested)

Private medical insurance

Small Business Insurance

Small Combined Insurance

Travel insurance

Annual multi-trip insurance

Single trip insurance

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