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 7th 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 34th 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%
Gold ribbon: first place

Home emergency cover

Ranked 6th 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 26th 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 18th 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%
Gold ribbon: first place

Life insurance

Ranked 4th of 24 providers reviewed.

Claims score 90.75%
Complaints performance 87.33%
Transparency rating 60.67%
Fairer Finance score
Reviewed Autumn 2023
80%
Gold ribbon: first place

Private medical insurance

Ranked 2nd 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%
Gold ribbon: first place

Travel insurance

Ranked 7th of 44 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%

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

Motor Insurance with motor legal, enhanced courtesy car and enhanced foreign use

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

Online 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

Zero Car Insurance

3 stars
Cover limit for lost keys i £500.00
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 £500.00
24hr helpline available i
Courtesy car provided if stolen / total loss i
Vandalism i

Commercial Vehicle Insurance

Aviva

Van Insurance

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

Equity Release

Aviva

Lifestyle Flexible Option - (Fixed ERC)

3 stars
Early repayment charge (if you repay in year 3 of the loan) 8%
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%
Early repayment charge (if you repay in year 12 of the loan) 1%
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 £5,000
Number of payments allowed per annum (repayment flexibility) Unlimited

Aviva

Enhanced Lifestyle Flexible Option - (Fixed ERC)

3 stars
Early repayment charge (if you repay in year 3 of the loan) 8%
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%
Early repayment charge (if you repay in year 12 of the loan) 1%
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 £5,000
Number of payments allowed per annum (repayment flexibility) Unlimited

Aviva

Lifestyle Flexible Option - (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 £5,000
Number of payments allowed per annum (repayment flexibility) Unlimited

Aviva

Enhanced Lifestyle Flexible Option - (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 £5,000
Number of payments allowed per annum (repayment flexibility) Unlimited

Home emergency cover

Aviva

Home Emergency Cover

4 stars
Home Security Cover i
Home Emergency Cover limit i £1,000.00
Internal plumbing and drainage i
Primary Heating System i
Boiler breakdown cover
Annual boiler service i
Internal gas supply pipe cover i
Pest infestation cover i
Domestic Power supply covered? i
Cover Type i Add-On
Alternative Accommodation Cover i £1,000.00
Unoccupied period i 60
Claims limit i Unlimited

Aviva

Private Clients Emergency Solutions

4 stars
Home Security Cover i
Home Emergency Cover limit i £1,500.00
Internal plumbing and drainage i
Primary Heating System i
Boiler breakdown cover
Annual boiler service i
Internal gas supply pipe cover i
Pest infestation cover i
Domestic Power supply covered? i
Cover Type i Add-On
Alternative Accommodation Cover i Reasonable Cost
Unoccupied period i 60
Claims limit i Unlimited

Aviva

Private Clients Emergency Solutions (Ultra HNW)

4 stars
Home Security Cover i
Home Emergency Cover limit i £3,000.00
Internal plumbing and drainage i
Primary Heating System i
Boiler breakdown cover
Annual boiler service i
Internal gas supply pipe cover i
Pest infestation cover i
Domestic Power supply covered? i
Cover Type i Add-On
Alternative Accommodation Cover i Reasonable Cost
Unoccupied period i 30
Claims limit i Unlimited

Aviva

Online And Premium Home Emergency Cover

4 stars
Home Security Cover i
Home Emergency Cover limit i £1,000.00
Internal plumbing and drainage i
Primary Heating System i
Boiler breakdown cover
Annual boiler service i
Internal gas supply pipe cover i
Pest infestation cover i
Domestic Power supply covered? i
Cover Type i Add-On
Alternative Accommodation Cover i £1,000.00
Unoccupied period i 60
Claims limit i Unlimited

Aviva

Distinct 150 Home Emergency Service

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

Home insurance (building and contents)

Aviva

Home Insurance

2 stars
Theft from outbuildings i Sum insured
Matching sets (contents) i
Alternative accommodation cover limit for buildings i 20% of the sum insured
Escape of water excess i £450.00
Additional escape of water excess i £0.00
Flood excess i £200.00
Cover away from home offered for: jewellery Not covered
Keys/locks if lost or stolen (Buildings) i Sum insured
Trace and access i £5,000.00
Buildings cover limit i Unlimited
Money in the home i £750.00
Contents sum insured i Unlimited
Visitor's possessions i Sum insured
Office equipment i Sum insured
Alternative accommodation cover limit for contents i Reasonable cost
Escape of water excess (minimum) i £450.00
Cancellation fee after 14 days i £29.00
Cancellation fee within 14 days i £0.00
Contents compulsory excess i £100.00
Property owner liability i £5,000,000.00
Liability to domestic employees i £10,000,000.00
Liability as a tenant i £15,000.00
Replace belongings new for old i

Buildings insurance

Aviva

Home Insurance

2 stars
Matching sets (Buildings) i
Escape of water excess (minimum) i £450.00
Buildings compulsory excess i £100.00
Escape of water excess i £450.00
Unoccupied period i 30.00
24hr helpline i
Cancellation fee after 14 days (buildings) i £29.00
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
Theft from outbuildings i Sum insured
Windspeed (mph) i Not Defined
Property owner liability i £5,000,000.00

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

4 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 Income Drawdown

Aviva

Aviva portfolio

4 stars
Annual cost of regular payments £0.00
Cost of setting up income drawdown £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 £1,149.00
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

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

4 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
Is interest of at least 0.5% being paid on cash balances?

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
Is interest of at least 0.5% being paid on cash balances?

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

Private medical insurance

Aviva

Healthier Solutions

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

Aviva

Healthier Solutions 6 week option

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

Aviva

Speedy Diagnostics

1 stars
Physiotherapy i
Radiotherapy i
Chemotherapy i
Video or telephone consultations with GP i 5/year

Small Business Insurance

Small Combined Insurance

Aviva

Commercial Combined (Wholesale, Distribution and Retail)

4 stars
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

Aviva

Commercial Combined (Services)

4 stars
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

Aviva

Commercial Combined (Industry)

4 stars
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

Aviva

Commercial Combined (Eating, Drinking & Hospitality)

4 stars
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

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 documents cover limit i £750.00
Cutting trip short (curtailment) cover limit i £5,000.00
Abandoning your trip (abandonment) cover limit i £5,000.00
Natural disaster relocation cover i
Natural disaster baggage cover i
Max trip duration i 90 days

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 documents cover limit i £750.00
Cutting trip short (curtailment) cover limit i £5,000.00
Abandoning your trip (abandonment) 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
Medical excess i £100.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £1,500.00
Cutting trip short curtailment cover limit i £5,000.00
Missed departure cover limit i £1,000.00
Abandoning your trip (abandonment) cover limit i £5,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Personal money i £500.00
Combined passport & travel documents limit i £750.00

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
Cutting trip short curtailment cover limit i £5,000.00
Missed departure cover limit i £1,000.00
Abandoning your trip (abandonment) cover limit i £5,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Personal money i £500.00
Combined passport & travel documents limit i £750.00

Travel insurance add-on: winter sports

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 £200.00

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 £200.00

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 £200.00

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 £200.00