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.

Aviva
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Gold ribbon: first place

Breakdown Cover

Ranked 9th of 27 providers reviewed.

Customer happiness 57.52%
Customer trust 59.75%
Complaints performance 71.99%
Transparency rating 68.78%
Fairer Finance score
Reviewed Spring 2023
65%

Car insurance

Ranked 35th of 53 providers reviewed.

Customer happiness 61.86%
Customer trust 57.57%
Complaints performance 72.57%
Transparency rating 63.96%
Fairer Finance score
Reviewed Spring 2023
64%
Gold ribbon: first place

Home Emergency Cover

Ranked 10th of 28 providers reviewed.

Customer happiness 57.72%
Customer trust 60.48%
Complaints performance 72.57%
Transparency rating 75.07%
Fairer Finance score
Reviewed Spring 2023
66%

Home insurance (building and contents)

Ranked 30th of 48 providers reviewed.

Customer happiness 57.83%
Customer trust 54.81%
Complaints performance 72.58%
Transparency rating 74.62%
Fairer Finance score
Reviewed Spring 2023
65%

Investing and pensions

Ranked 16th of 24 providers reviewed.

Customer happiness 61.86%
Customer trust 61.34%
Complaints performance 74.02%
Transparency rating 57.01%
Fairer Finance score
Reviewed Spring 2023
64%
Gold ribbon: first place

Life insurance

Ranked 6th of 25 providers reviewed.

Claims score 88.60%
Complaints performance 89.34%
Transparency rating 59.38%
Fairer Finance score
Reviewed Spring 2023
79%
Gold ribbon: first place

Private medical insurance

Ranked 2nd of 11 providers reviewed.

Customer happiness 57.91%
Customer trust 59.06%
Complaints performance 88%
Transparency rating 81.39%
Fairer Finance score
Reviewed Spring 2023
72%
Gold ribbon: first place

Travel insurance

Ranked 2nd of 41 providers reviewed.

Customer happiness 59.25%
Customer trust 58.31%
Complaints performance 72.57%
Transparency rating 71.21%
Fairer Finance score
Reviewed Spring 2023
65%

Breakdown Cover

UK Breakdown Cover

Aviva

Rescue, Recovery, At Home & Onward Travel

3 stars
Roadside recovery
Home Start i
Nationwide recovery
Maximum call outs per year 5
Replacement Hire Car i
Will they recover your car in cases of misfuelling? i
Will you be recovered if you run out of fuel?
Will they attend to assist with a flat battery? i
Will they attend to assist with a flat tyre? i
Will they attend if keys are locked in the vehicle?
Will they attend/cover if keys are lost/broken/stolen?
Compulsory call out excess £0.00
Cancellation window (days) 14
Pro rata refund
Will they drain wrong fuel and replace in cases of misfuelling? i
Number of passengers permitted for onward travel as standard in the UK i 7
Emergency Overnight Accommodation i
Available to purchase alone?

Aviva

Rescue, Recovery & At Home

2 stars
Roadside recovery
Home Start i
Nationwide recovery
Maximum call outs per year 5
Replacement Hire Car i
Will they recover your car in cases of misfuelling? i
Will you be recovered if you run out of fuel?
Will they attend to assist with a flat battery? i
Will they attend to assist with a flat tyre? i
Will they attend if keys are locked in the vehicle?
Will they attend/cover if keys are lost/broken/stolen?
Compulsory call out excess £0.00
Cancellation window (days) 14
Pro rata refund
Will they drain wrong fuel and replace in cases of misfuelling? i
Number of passengers permitted for onward travel as standard in the UK i 0
Emergency Overnight Accommodation i
Available to purchase alone?

Aviva

Rescue

1 stars
Roadside recovery
Home Start i
Nationwide recovery
Maximum call outs per year 2
Replacement Hire Car i
Will they recover your car in cases of misfuelling? i
Will you be recovered if you run out of fuel?
Will they attend to assist with a flat battery? i
Will they attend to assist with a flat tyre? i
Will they attend if keys are locked in the vehicle?
Will they attend/cover if keys are lost/broken/stolen?
Compulsory call out excess £0.00
Cancellation window (days) 14
Pro rata refund
Will they drain wrong fuel and replace in cases of misfuelling? i
Number of passengers permitted for onward travel as standard in the UK i 0
Emergency Overnight Accommodation i
Available to purchase alone?

Aviva

Rescue & Recovery

1 stars
Roadside recovery
Home Start i
Nationwide recovery
Maximum call outs per year 5
Replacement Hire Car i
Will they recover your car in cases of misfuelling? i
Will you be recovered if you run out of fuel?
Will they attend to assist with a flat battery? i
Will they attend to assist with a flat tyre? i
Will they attend if keys are locked in the vehicle?
Will they attend/cover if keys are lost/broken/stolen?
Compulsory call out excess £0.00
Cancellation window (days) 14
Pro rata refund
Will they drain wrong fuel and replace in cases of misfuelling? i
Number of passengers permitted for onward travel as standard in the UK i 0
Emergency Overnight Accommodation i
Available to purchase alone?

Car insurance

Aviva

Motor Insurance

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

Aviva

Premium Motor Insurance

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

Aviva

Eco Motor Insurance

3 stars
Cover limit for lost keys i £300.00
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i Unlimited
Windscreen repair excess i £25.00
Windscreen replacement excess i £150.00
Repairs guarantee (years) i Lifetime
New car replacement i
Cover limit for stolen keys i £300.00
24hr helpline available i
Courtesy car provided if stolen / total loss i
Vandalism i

Short-Term Car Insurance

Aviva

Day Insure

4 stars
Cover for replacing original audio/visual equipment i Unlimited
Windscreen repair excess i No separate excess
Cover limit for lost keys i Unlimted
Windscreen replacement excess i No separate excess
24hr helpline available i
New car replacement i
Cover limit for stolen keys i Unlimited
Repairs guarantee (years) i 3 years
Courtesy car for duration of repair i
Child's car seat cover i
Courtesy car provided if stolen / total loss i
Uninsured driver promise i
Vandalism i
Cover limit for Legal Cover for property damage £20,000,000.00

Equity Release

Aviva

Lifestyle Flexible Option - £0 Cashback (Fixed ERC)

3 stars
Early repayment charge (if you repay in year 3 of the loan) 8.00%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £0.00
Early repayment charge (if you repay in year 6 of the loan) 5.00%
Early repayment charge (if you repay in year 12 of the loan) 1.00%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £395.00
Adding or removing someone to your loan (Scotland) £395.00
Member of the equity release council
Minimum Cash Reserve 5000
Number of payments allowed per annum (repayment flexibility) unlimited

Aviva

Lifestyle Flexible Option - £500 Cashback (Fixed ERC)

3 stars
Early repayment charge (if you repay in year 3 of the loan) 8.00%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £0.00
Early repayment charge (if you repay in year 6 of the loan) 5.00%
Early repayment charge (if you repay in year 12 of the loan) 1.00%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £395.00
Adding or removing someone to your loan (Scotland) £395.00
Member of the equity release council
Minimum Cash Reserve 5000
Number of payments allowed per annum (repayment flexibility) unlimited

Aviva

Lifestyle Flexible Option - £1000 Cashback (Fixed ERC)

3 stars
Early repayment charge (if you repay in year 3 of the loan) 8.00%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £0.00
Early repayment charge (if you repay in year 6 of the loan) 5.00%
Early repayment charge (if you repay in year 12 of the loan) 1.00%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £395.00
Adding or removing someone to your loan (Scotland) £395.00
Member of the equity release council
Minimum Cash Reserve 5000
Number of payments allowed per annum (repayment flexibility) unlimited

Aviva

Enhanced Lifestyle Flexible Option - £0 Cashback (Fixed ERC)

3 stars
Early repayment charge (if you repay in year 3 of the loan) 8.00%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £0.00
Early repayment charge (if you repay in year 6 of the loan) 5.00%
Early repayment charge (if you repay in year 12 of the loan) 1.00%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £395.00
Adding or removing someone to your loan (Scotland) £395.00
Member of the equity release council
Minimum Cash Reserve 5000
Number of payments allowed per annum (repayment flexibility) unlimited

Aviva

Enhanced Lifestyle Flexible Option - £500 Cashback (Fixed ERC)

3 stars
Early repayment charge (if you repay in year 3 of the loan) 8.00%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £0.00
Early repayment charge (if you repay in year 6 of the loan) 5.00%
Early repayment charge (if you repay in year 12 of the loan) 1.00%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £395.00
Adding or removing someone to your loan (Scotland) £395.00
Member of the equity release council
Minimum Cash Reserve 5000
Number of payments allowed per annum (repayment flexibility) unlimited

Aviva

Enhanced Lifestyle Flexible Option - £1000 Cashback (Fixed ERC)

3 stars
Early repayment charge (if you repay in year 3 of the loan) 8.00%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £0.00
Early repayment charge (if you repay in year 6 of the loan) 5.00%
Early repayment charge (if you repay in year 12 of the loan) 1.00%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £395.00
Adding or removing someone to your loan (Scotland) £395.00
Member of the equity release council
Minimum Cash Reserve 5000
Number of payments allowed per annum (repayment flexibility) unlimited

Aviva

Lifestyle Flexible Option - £0 Cashback (Variable-Gilt ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 25% cap
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £0.00
Early repayment charge (if you repay in year 6 of the loan) 25% cap
Early repayment charge (if you repay in year 12 of the loan) 25% cap
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £395.00
Adding or removing someone to your loan (Scotland) £395.00
Member of the equity release council
Minimum Cash Reserve 5000
Number of payments allowed per annum (repayment flexibility) unlimited

Aviva

Lifestyle Flexible Option - £500 Cashback (Variable-Gilt ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 25% cap
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £0.00
Early repayment charge (if you repay in year 6 of the loan) 25% cap
Early repayment charge (if you repay in year 12 of the loan) 25% cap
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £395.00
Adding or removing someone to your loan (Scotland) £395.00
Member of the equity release council
Minimum Cash Reserve 5000
Number of payments allowed per annum (repayment flexibility) unlimited

Aviva

Lifestyle Flexible Option - £1000 Cashback (Variable-Gilt ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 25% cap
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £0.00
Early repayment charge (if you repay in year 6 of the loan) 25% cap
Early repayment charge (if you repay in year 12 of the loan) 25% cap
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £395.00
Adding or removing someone to your loan (Scotland) £395.00
Member of the equity release council
Minimum Cash Reserve 5000
Number of payments allowed per annum (repayment flexibility) unlimited

Aviva

Enhanced Lifestyle Flexible Option - £0 Cashback (Variable-Gilt ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 25% cap
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £0.00
Early repayment charge (if you repay in year 6 of the loan) 25% cap
Early repayment charge (if you repay in year 12 of the loan) 25% cap
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £395.00
Adding or removing someone to your loan (Scotland) £395.00
Member of the equity release council
Minimum Cash Reserve 5000
Number of payments allowed per annum (repayment flexibility) unlimited

Aviva

Enhanced Lifestyle Flexible Option - £500 Cashback (Variable-Gilt ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 25% cap
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £0.00
Early repayment charge (if you repay in year 6 of the loan) 25% cap
Early repayment charge (if you repay in year 12 of the loan) 25% cap
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £395.00
Adding or removing someone to your loan (Scotland) £395.00
Member of the equity release council
Minimum Cash Reserve 5000
Number of payments allowed per annum (repayment flexibility) unlimited

Aviva

Enhanced Lifestyle Flexible Option - £1000 Cashback (Variable-Gilt ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 25% cap
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £0.00
Early repayment charge (if you repay in year 6 of the loan) 25% cap
Early repayment charge (if you repay in year 12 of the loan) 25% cap
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £395.00
Adding or removing someone to your loan (Scotland) £395.00
Member of the equity release council
Minimum Cash Reserve 5000
Number of payments allowed per annum (repayment flexibility) unlimited

Home Emergency Cover

Aviva

Home Emergency Cover

5 stars
Water Supply Pipe Cover i
Boiler Breakdown Cover i
Home Security Cover i
Lost keys Cover i Covered under the home emergency policy
Cover Type i Add-On
Home Emergency Cover limit i £1,000.00
Minimum Excess i £0.00
Internal plumbing and drainage i
External Drainage i
Burst or damaged pipes i
Toilet unit i
Root damage cover i
Primary Heating System i
Temporary Emergency Heating i
Internal gas supply pipe cover i
Boiler Age Exclsuions i No Exclusion
Annual boiler service i
Age of boiler to qualify for a beyond economic repair contribution i No Exclusion
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. i £500.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. i £500.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. i £500.00
Domestic Power supply covered? i
Roof damage i Covered under the home emergency policy
Pest infestation cover i
Underwriter i Aviva Insurance Limited
Maximum Excess i £0.00
Alternative Accommodation Cover i £1,000.00
24/7 Claims Helpline i
Unoccupied period i 60

Aviva

Private Clients Emergency Solutions

4 stars
Water Supply Pipe Cover i
Boiler Breakdown Cover i
Home Security Cover i
Lost keys Cover i Covered under the home emergency policy
Cover Type i Add-On
Home Emergency Cover limit i £1,500.00
Minimum Excess i £0.00
Internal plumbing and drainage i
External Drainage i
Burst or damaged pipes i
Toilet unit i
Root damage cover i
Primary Heating System i
Temporary Emergency Heating i
Internal gas supply pipe cover i
Boiler Age Exclsuions i No Exclusion
Annual boiler service i
Age of boiler to qualify for a beyond economic repair contribution i No Exclusion
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. i £250.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. i £250.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. i £250.00
Domestic Power supply covered? i
Roof damage i Covered under the home insurance policy
Pest infestation cover i
Underwriter i Aviva Insurance Limited
Maximum Excess i £0.00
Alternative Accommodation Cover i Reasonable Cost
24/7 Claims Helpline i
Unoccupied period i 60

Aviva

Private Clients Emergency Solutions (Ultra HNW)

4 stars
Water Supply Pipe Cover i
Boiler Breakdown Cover i
Home Security Cover i
Lost keys Cover i Covered under the home emergency policy
Cover Type i Add-On
Home Emergency Cover limit i £3,000.00
Minimum Excess i £0.00
Internal plumbing and drainage i
External Drainage i
Burst or damaged pipes i
Toilet unit i
Root damage cover i
Primary Heating System i
Temporary Emergency Heating i
Internal gas supply pipe cover i
Boiler Age Exclsuions i No Exclusion
Annual boiler service i
Age of boiler to qualify for a beyond economic repair contribution i No Exclusion
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. i £250.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. i £250.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. i £250.00
Domestic Power supply covered? i
Roof damage i Covered under the home insurance policy
Pest infestation cover i
Underwriter i Aviva Insurance Limited
Maximum Excess i £0.00
Alternative Accommodation Cover i Reasonable Cost
24/7 Claims Helpline i
Unoccupied period i 30

Aviva

Online And Premium Home Emergency Cover

4 stars
Water Supply Pipe Cover i
Boiler Breakdown Cover i
Home Security Cover i
Lost keys Cover i Covered under the home emergency policy
Cover Type i Add-On
Home Emergency Cover limit i £1,000.00
Minimum Excess i £0.00
Internal plumbing and drainage i
External Drainage i
Burst or damaged pipes i
Toilet unit i
Root damage cover i
Primary Heating System i
Temporary Emergency Heating i
Internal gas supply pipe cover i
Boiler Age Exclsuions i No Exclusion
Annual boiler service i
Age of boiler to qualify for a beyond economic repair contribution i No Exclusion
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. i £500.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. i £500.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. i £500.00
Domestic Power supply covered? i
Roof damage i Covered under the home emergency policy
Pest infestation cover i
Underwriter i Aviva Insurance Limited
Maximum Excess i £0.00
Alternative Accommodation Cover i £1,000.00
24/7 Claims Helpline i
Unoccupied period i 60

Aviva

Distinct 150 Home Emergency Service

3 stars
Water Supply Pipe Cover i
Boiler Breakdown Cover i
Home Security Cover i
Lost keys Cover i Covered under the home emergency policy
Cover Type i Add-On
Home Emergency Cover limit i £1,000.00
Minimum Excess i £0.00
Internal plumbing and drainage i
External Drainage i
Burst or damaged pipes i
Toilet unit i
Root damage cover i
Primary Heating System i
Temporary Emergency Heating i
Internal gas supply pipe cover i
Boiler Age Exclsuions i No Exclusion
Annual boiler service i
Age of boiler to qualify for a beyond economic repair contribution i No Exclusion
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. i £0.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. i £0.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. i £0.00
Domestic Power supply covered? i
Roof damage i Covered under the home emergency policy
Pest infestation cover i
Underwriter i Aviva Insurance Limited
Maximum Excess i £0.00
Alternative Accommodation Cover i Covered under the home insurance policy
24/7 Claims Helpline i
Unoccupied period i Not Specified

Home insurance (building and contents)

Aviva

Landlord

2 stars
Alternative accommodation cover limit for buildings i £80,000.00
Matching sets (contents) i
Theft from outbuildings cover limit i £2,500.00
Escape of water excess i £450.00
Standard accidental damage - underground services
Alternative accommodation cover limit for contents i £10,000.00
Cycles included whilst in the home i
Cover for keys if lost or stolen (contents) i Sum Insured
Keys/locks if lost or stolen (Buildings) i £1,000.00
Money in the home i Sum Insured
Replace belongings new for old i
Trace and access i £5,000.00
Matching sets (Buildings) i
Escape of water (plus compulsory excess) i £450.00
Compulsory excess (contents) i £100.00
Additional flood excess i £0.00
Standard excess for subsidence claims £1,000.00
Liability as a tenant i £15,000.00
Liability to domestic employees i £5,000,000.00
Property owner liability i £10,000,000.00
Buildings cover limit i Unlimited
Contents cover limit i Unlimited
Underwriter Aviva Insurance Ltd
24hr helpline i
Unoccupied period i 30
Protection against inflation i
Repairs guarantee i
Amendment fee (telephone) i £0.00
Cancellation fee after 14 days i £29.00
Protected no claims discount option
24-hour claims helpline
Cancellation fee before 14 days
Accidental damage - glass and sanitary wear
Damage caused by freezing pipes
Damage from Emergency Services
Cover to break in and clear sewage pipe
Garden protection
Blocked drains i
Accidental damage cover
Domestic heating fuel and metered water i
Music, film or electronic data downloads
Documents £0.00
Visitor's possessions
Out in open cover
Frozen Food Cover £1,000.00
Temporary freezer storage
Theft or attempted theft i
Dual contents i
Escape of water or oil from appliances i
Escape of water or oil from heating systems i
Credit cards i £0.00
Storage fees (alternative accommodation) i
Garden plants i
Business equipment £5,000.00
Household removals
Student's belongings i
Shopping in transit i £0.00
Cover Away from Home offered for: Electronics
Cover away from home offered for: money
Cover away from home offered for: jewellery
Cover away from home offered for: bicycles & other
Special events (weddings and civil ceremonies) - limit
Special events (weddings and civil ceremonies) - days
Special events (births) - limit
Special events (births) - days
Special events (anniversaries and birthdays) - limit
Special events (anniversaries and birthdays) - days
Special events (religious events) - limit
Special events (religious events) - days
Cover for home emergency i
Cover for legal protection/expenses i
Cover for items away from home? i
Personal possessions cover whilst living in a nursing home or residential care setting i
Medical equipment loan i
Theft from bogus officials i
Storm and flood i
Fire, smoke, explosion, lightning, or earthquake i
Malicious damage i
Civil riot or commotion i
Collisions (Including animals, trees, satellites, and moving vehicles) i
Snow depth (cm) i Not Defined
Rainfall (mm) i
Windspeed (mph) i

Aviva

Home Insurance

2 stars
Alternative accommodation cover limit for buildings i 20% of the sum insured
Matching sets (contents) i
Theft from outbuildings cover limit i Sum Insured
Escape of water excess i £450.00
Standard accidental damage - underground services
Alternative accommodation cover limit for contents i Reasonable cost
Cycles included whilst in the home i
Cover for keys if lost or stolen (contents) i £1,000.00
Keys/locks if lost or stolen (Buildings) i Sum Insured
Money in the home i £750.00
Replace belongings new for old i
Trace and access i £5,000.00
Matching sets (Buildings) i
Escape of water (plus compulsory excess) i £450.00
Compulsory excess (contents) i £100.00
Additional flood excess i £0.00
Standard excess for subsidence claims £1,000.00
Liability as a tenant i £15,000.00
Liability to domestic employees i £10,000,000.00
Property owner liability i £5,000,000.00
Buildings cover limit i Unlimited
Contents cover limit i Unlimited
Underwriter Aviva
24hr helpline i
Unoccupied period i 30
Protection against inflation i
Repairs guarantee i
Amendment fee (telephone) i £0.00
Cancellation fee after 14 days i £0.00
Protected no claims discount option
24-hour claims helpline
Cancellation fee before 14 days £0.00
Accidental damage - glass and sanitary wear
Damage caused by freezing pipes
Damage from Emergency Services
Cover to break in and clear sewage pipe
Garden protection Sum insured
Blocked drains i
Accidental damage cover
Domestic heating fuel and metered water i
Music, film or electronic data downloads
Documents Sum insured
Visitor's possessions Sum Insured
Out in open cover
Frozen Food Cover Sum insured
Temporary freezer storage
Theft or attempted theft i
Dual contents i
Escape of water or oil from appliances i
Escape of water or oil from heating systems i Sum Insured
Credit cards i Optional (Personal Possessions)
Storage fees (alternative accommodation) i
Garden plants i
Business equipment Sum Insured
Household removals
Student's belongings i
Shopping in transit i £0.00
Cover Away from Home offered for: Electronics Optional
Cover away from home offered for: money
Cover away from home offered for: jewellery
Cover away from home offered for: bicycles & other Optional
Special events (weddings and civil ceremonies) - limit Not Offered
Special events (weddings and civil ceremonies) - days Not Offered
Special events (births) - limit Not Offered
Special events (births) - days Not Offered
Special events (anniversaries and birthdays) - limit Not Offered
Special events (anniversaries and birthdays) - days Not Offered
Special events (religious events) - limit Not Offered
Special events (religious events) - days Not Offered
Cover for home emergency i
Cover for legal protection/expenses i
Cover for items away from home? i
Personal possessions cover whilst living in a nursing home or residential care setting i £0.00
Medical equipment loan i £0.00
Theft from bogus officials i
Storm and flood i
Fire, smoke, explosion, lightning, or earthquake i
Malicious damage i
Civil riot or commotion i
Collisions (Including animals, trees, satellites, and moving vehicles) i
Snow depth (cm) i Not Defined
Rainfall (mm) i Not Defined
Windspeed (mph) i Not Defined

Buildings insurance

Aviva

Landlord

2 stars
Trace and access i £5,000.00
Keys/locks if lost or stolen (buildings) i £1,000.00
Matching sets (Buildings) i
Alternative accommodation cover limit for buildings i £80,000.00
Blocked drains i
Fire, smoke, explosion, lightning, or earthquake i
Cover for collision and falling objects (including trees, animals, satellite, vehicle) i
Civil riot or commotion i
Cover for malicious damage
Theft of attempted theft
Cover for storm and flood
Snow depth (cm) i Not Defined
Rainfall (mm) i
Windspeed (mph) i
Escape of water (plus compulsory excess) i £450.00
Buildings compulsory excess i £100.00
Escape of water excess i £450.00
Flood excess i £0.00
Unoccupied period i 30
24hr helpline i
Repairs guarentee i
Cancellation fee after 14 days i £29.00
Amendment fee (telephone) i £0.00
Property owner liability i £10,000,000.00

Aviva

Home Insurance

2 stars
Trace and access i £5,000.00
Keys/locks if lost or stolen (buildings) i Sum Insured
Matching sets (Buildings) i
Alternative accommodation cover limit for buildings i 20% of the sum insured
Blocked drains i
Fire, smoke, explosion, lightning, or earthquake i
Cover for collision and falling objects (including trees, animals, satellite, vehicle) i
Civil riot or commotion i
Cover for malicious damage
Theft of attempted theft Sum Insured
Cover for storm and flood
Snow depth (cm) i Not Defined
Rainfall (mm) i Not Defined
Windspeed (mph) i Not Defined
Escape of water (plus compulsory excess) i £450.00
Buildings compulsory excess i £100.00
Escape of water excess i £450.00
Flood excess i £200.00
Unoccupied period i 30
24hr helpline i
Repairs guarentee i
Cancellation fee after 14 days i £0.00
Amendment fee (telephone) i £0.00
Property owner liability i £5,000,000.00

Contents insurance

Aviva

Home Insurance

3 stars
Matching sets (contents) i
Cover for keys if lost or stolen (contents) i £1,000.00
Theft from outbuildings cover limit i Sum Insured
Credit cards i Optional (Personal Possessions)
Amendment fee (telephone) i £0.00
Cycles included whilst in the home i
Replace belongings new for old i
Fire, smoke, explosion, lightning, or earthquake i
Malicious damage i
Civil riot or commotion i
Collisions (including animals, trees, satellites, and moving vehicles) i
Escape of water or oil from heating systems covered? i
Escape water or oil from appliances i
Storm and flood i
Snow depth (cm) i Not Defined
Rainfall (mm) i Not Defined
Windspeed (mph) i Not Defined
Contents cover limit i Unlimited
Music, film, or electronic downloads i
Documents i Sum insured
Frozen Food Cover i Sum insured
Business equipment i Sum Insured
Tenants improvements i
Items covered whilst you are living in a nursing home, residential care?
Medical equipment loan?
Cover for employee's contents i
Household removals
Student's belongings
Shopping in transit 0
Visitor's possessions i Sum Insured
Temporary freezer storage
Money in the home i £750.00
Theft from bogus officials
Garden plants
Garden protection Sum insured
Out in open cover
Alternative accommodation cover limit for contents i Reasonable cost
Storage fees (alternative accommodation) i
Cover for pets? i
Compulsory excess (contents) i £200.00
Liability to domestic employees i £10,000,000.00
Liability as a tenant i £15,000.00
Property owner liability i £5,000,000.00
Personal assault (death benefit) i
Cancellation fee before 14 days £0.00
24-hour claims helpline
Jury service
24hr helpline i
Protection against inflation i
Underwriter Aviva
Unoccupied period i 30
Protected no claims discount option
Repairs guarantee
Cancellation fee after 14 days i £0.00
Wedding and civil ceremonies - limits/days Cover Limit: Not Offered /Days limit: Not Offered
Births - limit/days Cover Limit: Not Offered /Days limit: Not Offered
Anniversaries - Limits/days Cover Limit: Not Offered /Days limit: Not Offered
Religious events -Limits/days Cover Limit: Not Offered /Days limit: Not Offered
Dual contents i
Cover away from home offered for:electronics
Cover away from home offered for: money
Cover away from home offered for: jewellery
Cover away from home offered for: bicycles & other Optional

Investing and pensions

Fund and Share Accounts (for high frequency trading)

Aviva

Investment Account

4 stars
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
Same Day Payment Charge £0.00
Cost of receiving paper statements for a year £0.00
App available i
Charge for telephone/postal share dealing

Fund and Share Accounts (for low frequency trading)

Aviva

Investment Account

3 stars
Account closure fee £0.00
Charge for transferring investments to another platform i
Charge for automatic reinvestment £0.00
Charge for telephone/postal share dealing
App available i
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
Same Day Payment Charge £0.00
Cost of receiving paper statements for a year £0.00

Income Drawdown products (self-invested)

Aviva

Pension (Self-select)

5 stars
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
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
Account closure fee £0.00
Charge for transferring cash to another platform £0.00
Charge for transferring investments to another platform i
Charge for automatic reinvestment £0.00
Same Day Payment Charge £0.00
Cost of receiving paper statements for a year £0.00

Ready-made General Investment Accounts

Aviva

Aviva portfolio

3 stars
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

Ready-made Personal Pensions

Aviva

Aviva portfolio

4 stars
Cost (Year 1) i £766.00
Account closure fee £0.00
Charge for transferring investments to another platform i £0.00
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
Does the provider have a mobile app?

Ready-made Stocks and Shares ISAs

Aviva

Aviva portfolio

3 stars
Cost (Year 1) i £408.00
Account closure fee £0.00
Charge for transferring investments to another platform i £0.00
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
Is there a mobile app?

Self-invested Personal Pensions (SIPPs)

Aviva

Pension (Self-select)

5 stars
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 i £0.00
Early Account Closure Fee (12 months or less) £0.00
Charge for selling holdings if not enough money in account to pay other charges £0.00
Charge for telephone/postal share dealing
Cost of receiving paper statements for a year £0.00
Charge for writing to a third party to confirm the value of the account (Including probate valuations) £0.00

Stocks and Shares ISAs (self-invested)

Aviva

Stocks & Shares ISA (Self-select)

3 stars
Account closure fee £0.00
Charge for transferring investments to another platform i
Charge for automatic reinvestment £0.00
Charge for telephone/postal share dealing
Charge for transferring cash to another platform £0.00
Inactivity Charge £0.00
Charge for selling holdings if not enough money in account to pay other charges £0.00
Repairing or voiding an ISA, when required under HMRC rules £0.00
Same Day Payment Charge £0.00
Cost of receiving paper statements for a year £0.00

Life insurance

Over 50s life insurance

Aviva

Over 50s Life Insurance

3 stars
Age when premiums stop i 90
Cover for accidental death in waiting period i Full payout
How long after policy is started can full benefits be claimed? i 12 months
Cover type (level or increasing) i Level
Signing up incentive i
Minimum age i 50
Maximum age i 80
Cover for non-accidental death in waiting period (% of premiums paid) i 100%
Payout for accidental death outside waiting period i Full payout
How much for terminal illness benefit? i £0.00
How much will be paid for serious illness? i £0.00
Can you reduce monthly payments? i
If a payment is missed, how long until the policy is cancelled? i 60 days
Does the policy offer the customer a proportionate amount of money back if they choose to cancel after paying 50% or more of the scheduled monthly payments? i
Rate used to calculate increasing cover i
Discount offered with a funeral provider? i Not offered
Funeral benefit option provider i Not offered

Travel insurance

Annual multi-trip insurance

Aviva

Annual multi-trip (with baggage cover)

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

Aviva

Travel insurance

3 stars
Medical excess i £100.00
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £0.00
Cancelling before travel cover limit i £5,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Mental health cover i
Personal money i £500.00
Combined passport & travel cover limit i £750.00
Cutting trip short cover limit i £5,000.00
Abandoning your trip cover limit i £5,000.00
Natural disaster relocation cover i
Natural disaster baggage cover i
Max trip duration i Variable

Aviva

Travel insurance (with baggage cover)

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

Aviva

Annual multi-trip

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

Single trip insurance

Aviva

Single trip (with baggage cover)

4 stars
Cancelling before travel cover limit i £5,000.00
Cancelling before travel cover limit i
Medical excess i £100.00
Medical excess i
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £750.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i
Cutting trip short cover limit i £5,000.00
Cutting trip short cover limit i
Missed departure cover limit i £1,000.00
Missed departure cover limit i
Abandoning your trip cover limit i £5,000.00
Abandoning your trip cover limit i
Emergency medical cover and repatriation cover limit i £10,000,000.00
Emergency medical cover and repatriation cover limit i
Personal money i £0.00
Personal money i
Combined passport & travel cover limit i £100.00
Combined passport & travel cover limit i

Aviva

Travel insurance

3 stars
Cancelling before travel cover limit i £5,000.00
Medical excess i £100.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £750.00
Cutting trip short cover limit i £5,000.00
Missed departure cover limit i £1,000.00
Abandoning your trip cover limit i £5,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Personal money i £0.00
Combined passport & travel cover limit i £100.00

Aviva

Travel insurance (with baggage cover)

3 stars
Cancelling before travel cover limit i £5,000.00
Medical excess i £100.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £750.00
Cutting trip short cover limit i £5,000.00
Missed departure cover limit i £1,000.00
Abandoning your trip cover limit i £5,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Personal money i £0.00
Combined passport & travel cover limit i £100.00

Aviva

Single trip

3 stars
Cancelling before travel cover limit i £5,000.00
Medical excess i £100.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £750.00
Cutting trip short cover limit i £5,000.00
Missed departure cover limit i £1,000.00
Abandoning your trip cover limit i £5,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Personal money i £0.00
Combined passport & travel cover limit i £100.00

Travel insurance add-on: winter sports

Aviva

Travel insurance

4 stars
Ski equipment owned cover limit i £500.00
Ski equipment owned cover limit i
Single owned item cover limit i £500.00
Single owned item cover limit i
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £200.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i
Avalanche closure cover limit i £200.00
Avalanche closure cover limit i
Piste closure cover limit i £300.00
Piste closure cover limit i
Ski equipment owned excess i £100.00
Ski equipment owned excess i
Ski equipment hired i £400.00
Ski equipment hired i
Single item limit for hired equipment i £400.00
Single item limit for hired equipment i
Unused ski pass due to illness or injury i £300.00
Unused ski pass due to illness or injury i

Aviva

Travel insurance (with baggage cover)

4 stars
Ski equipment owned cover limit i £500.00
Ski equipment owned cover limit i
Single owned item cover limit i £500.00
Single owned item cover limit i
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £200.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i
Avalanche closure cover limit i £200.00
Avalanche closure cover limit i
Piste closure cover limit i £300.00
Piste closure cover limit i
Ski equipment owned excess i £100.00
Ski equipment owned excess i
Ski equipment hired i £400.00
Ski equipment hired i
Single item limit for hired equipment i £400.00
Single item limit for hired equipment i
Unused ski pass due to illness or injury i £300.00
Unused ski pass due to illness or injury i

Aviva

Annual multi-trip (with baggage cover)

2 stars
Ski equipment owned cover limit i £500.00
Single owned item cover limit i £0.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £200.00
Avalanche closure cover limit i £200.00
Piste closure cover limit i £300.00
Ski equipment owned excess i £100.00
Ski equipment hired i £400.00
Single item limit for hired equipment i £0.00
Unused ski pass due to illness or injury i £300.00

Aviva

Single trip (with baggage cover)

2 stars
Ski equipment owned cover limit i £500.00
Single owned item cover limit i £0.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £200.00
Avalanche closure cover limit i £200.00
Piste closure cover limit i £300.00
Ski equipment owned excess i £100.00
Ski equipment hired i £400.00
Single item limit for hired equipment i £0.00
Unused ski pass due to illness or injury i £300.00

Aviva

Single trip

2 stars
Ski equipment owned cover limit i £500.00
Single owned item cover limit i £0.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £200.00
Avalanche closure cover limit i £200.00
Piste closure cover limit i £300.00
Ski equipment owned excess i £100.00
Ski equipment hired i £400.00
Single item limit for hired equipment i £0.00
Unused ski pass due to illness or injury i £300.00

Aviva

Annual multi-trip

2 stars
Ski equipment owned cover limit i £500.00
Single owned item cover limit i £0.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £200.00
Avalanche closure cover limit i £200.00
Piste closure cover limit i £300.00
Ski equipment owned excess i £100.00
Ski equipment hired i £400.00
Single item limit for hired equipment i £0.00
Unused ski pass due to illness or injury i £300.00