Aviva

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

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

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

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

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Breakdown Cover

Ranked 7^th of 31 providers reviewed.

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

Car insurance

Ranked 34^th of 49 providers reviewed.

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

Home emergency cover

Ranked 6^th of 35 providers reviewed.

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

Home insurance (building and contents)

Ranked 26^th of 46 providers reviewed.

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

Investing and pensions

Ranked 18^th of 27 providers reviewed.

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

Life insurance

Ranked 4^th of 24 providers reviewed.

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

Private medical insurance

Ranked 2^nd of 11 providers reviewed.

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

Travel insurance

Ranked 7^th of 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%

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	£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

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

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 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

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

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

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

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

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

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

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

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

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

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

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

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?

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

Medical excess i	£100.00
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

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

Car insurance

Commercial Vehicle 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 Income Drawdown

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

Private medical insurance

Small Business Insurance

Small Combined Insurance

Travel insurance

Annual multi-trip insurance

Single trip insurance

Travel insurance add-on: winter sports

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