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
Visit provider's website

We don't get paid for any links on our site.

Gold ribbon: first place

Breakdown Cover

Ranked 6th of 25 providers reviewed.

Customer happiness 56.45%
Customer trust 58.33%
Complaints performance 64.55%
Transparency rating 71.11%
Fairer Finance score
Reviewed Autumn 2022
65%

Car insurance

Ranked 23rd of 52 providers reviewed.

Customer happiness 61.62%
Customer trust 57.23%
Complaints performance 74.07%
Transparency rating 71.49%
Fairer Finance score
Reviewed Autumn 2022
66%
Gold ribbon: first place

Home Emergency Cover

Ranked 3rd of 24 providers reviewed.

Customer happiness 58.3%
Customer trust 62.45%
Complaints performance 73.87%
Transparency rating 70.9%
Fairer Finance score
Reviewed Autumn 2022
66%

Home insurance (building and contents)

Ranked 26th of 48 providers reviewed.

Customer happiness 57.88%
Customer trust 54.84%
Complaints performance 74.08%
Transparency rating 69.43%
Fairer Finance score
Reviewed Autumn 2022
64%

Investing and pensions

Our ratings for Investing and pensions are hosted exclusively on The Times Money Mentor site.

Go there now to find out how we rated this product.

Gold ribbon: first place

Life insurance

Ranked 7th of 26 providers reviewed.

Claims score 88.60%
Complaints performance 86.54%
Transparency rating 64.91%
Fairer Finance score
Reviewed Autumn 2022
80%
Gold ribbon: first place

Travel insurance

Ranked 1st of 38 providers reviewed.

Customer happiness 58.77%
Customer trust 58.95%
Complaints performance 74.19%
Transparency rating 70.53%
Fairer Finance score
Reviewed Autumn 2022
66%

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 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

Motor Insurance

3 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

Short-Term Car Insurance

Aviva

Day Insure

4 stars
Cover limit for lost keys i Unlimted
Cover for replacing original audio/visual equipment i Unlimited
Windscreen repair excess i No separate excess
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
Boiler Breakdown Cover i
Home Security Cover i
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
Water Supply Pipe Cover 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
Lost keys Cover i Covered under the home emergency policy
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
Boiler Breakdown Cover i
Home Security Cover i
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
Water Supply Pipe Cover 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
Lost keys Cover i Covered under the home emergency policy
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
Boiler Breakdown Cover i
Home Security Cover i
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
Water Supply Pipe Cover 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
Lost keys Cover i Covered under the home emergency policy
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
Boiler Breakdown Cover i
Home Security Cover i
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
Water Supply Pipe Cover 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
Lost keys Cover i Covered under the home emergency policy
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
Boiler Breakdown Cover i
Home Security Cover i
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
Water Supply Pipe Cover 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
Lost keys Cover i Covered under the home emergency policy
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

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
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 £200.00
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 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
Standard Accidental Damage - Underground services
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
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
Shopping in Transit £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

Home Insurance

3 stars
Trace and Access i £5,000.00
Keys/locks if lost or stolen (Buildings) i Sum Insured
Matching sets/suites (Buildings) i
Alternative accommodation cover limit for buildings i 20% of the sum insured
Blocked drains i
Cover for 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 £200.00
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 £0.00
Amendment fee 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
Cycles included whilst in the home i
Replace belongings new for old i
Money in the home i £750.00
Alternative accommodation cover limit for contents i Reasonable cost
24hr helpline i

Investing and pensions

Fund and Share Accounts (for high frequency trading)

Aviva

Investment Account

1 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

1 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)

4 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 £411.00
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 £772.00
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 £411.00
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)

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 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
Signing up incentive i
Maximum age i 80
Payout for accidental death outside waiting period i Full payout
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
Discount offered with a funeral provider? i Not offered

Travel insurance

Annual multi-trip insurance

Aviva

Annual multi-trip

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 50 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

Single trip insurance

Aviva

Single trip

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 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 £500.00
Combined passport & travel cover limit i £750.00

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 £0.00
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 £500.00
Combined passport & travel cover limit i £750.00

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 £1,500.00
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 £500.00
Combined passport & travel cover limit i £750.00

Travel insurance add-on: winter sports

Aviva

Single trip

4 stars
Ski equipment owned cover limit i £1,000.00
Single owned item cover limit i £250.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £500.00
Avalanche closure cover limit i £250.00
Piste closure cover limit i £260.00
Ski equipment owned excess i £0.00
Ski equipment hired i £500.00
Single item limit for hired equipment i £250.00
Unused ski pass due to illness or injury i £300.00

Aviva

Annual multi-trip

4 stars
Ski equipment owned cover limit i £1,000.00
Single owned item cover limit i £250.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £500.00
Avalanche closure cover limit i £250.00
Piste closure cover limit i £260.00
Ski equipment owned excess i £0.00
Ski equipment hired i £500.00
Single item limit for hired equipment i £250.00
Unused ski pass due to illness or injury i £300.00

Aviva

Travel insurance

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

Aviva

Travel insurance (with baggage cover)

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