Aviva

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

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

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

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

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Breakdown Cover

Ranked 9^th 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 35^th 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%

Home Emergency Cover

Ranked 10^th 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 30^th 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 16^th 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%

Life insurance

Ranked 6^th of 25 providers reviewed.

Claims score	88.60%
Complaints performance	89.34%
Transparency rating	59.38%
Fairer Finance score Reviewed Spring 2023	79%

Private medical insurance

Ranked 2^nd 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%

Travel insurance

Ranked 2^nd 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%

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?

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

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

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

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

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

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

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

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

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

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

Cost (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?

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

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

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

Breakdown Cover

UK Breakdown Cover

Car insurance

Short-Term Car Insurance

Equity Release

Home Emergency Cover

Home insurance (building and contents)

Buildings insurance

Contents insurance

Investing and pensions

Fund and Share Accounts (for high frequency trading)

Fund and Share Accounts (for low frequency trading)

Income Drawdown products (self-invested)

Ready-made General Investment Accounts

Ready-made Personal Pensions

Ready-made Stocks and Shares ISAs

Self-invested Personal Pensions (SIPPs)

Stocks and Shares ISAs (self-invested)

Life insurance

Over 50s life insurance

Travel insurance

Annual multi-trip insurance

Single trip insurance

Travel insurance add-on: winter sports