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 3rd of 16 providers reviewed.

Customer happiness 57.29%
Customer trust 58.47%
Complaints performance 75.57%
Transparency rating 78.9%
Fairer Finance score
Reviewed Spring 2022
68%

Car insurance

Ranked 34th of 53 providers reviewed.

Customer happiness 62.91%
Customer trust 58.03%
Complaints performance 74.2%
Transparency rating 57.65%
Fairer Finance score
Reviewed Spring 2022
63%
Gold ribbon: first place

Home Emergency Cover

Ranked 1st of 16 providers reviewed.

Customer happiness 67.04%
Customer trust 66.06%
Complaints performance 73.8%
Transparency rating 63.24%
Fairer Finance score
Reviewed Spring 2022
68%

Home insurance (building and contents)

Ranked 23rd of 49 providers reviewed.

Customer happiness 58.76%
Customer trust 56.22%
Complaints performance 74.22%
Transparency rating 69.77%
Fairer Finance score
Reviewed Spring 2022
65%

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.

Life insurance

Ranked 16th of 26 providers reviewed.

Claims score 76.00%
Complaints performance 85.3%
Transparency rating 50.29%
Fairer Finance score
Reviewed Autumn 2021
71%
Gold ribbon: first place

Travel insurance

Ranked 4th of 39 providers reviewed.

Customer happiness 59.05%
Customer trust 57.05%
Complaints performance 62.13%
Transparency rating 63.23%
Fairer Finance score
Reviewed Spring 2022
60%

Car insurance

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
Cover limit for stolen keys i Unlimited
24hr helpline available i
Courtesy car provided if stolen / total loss i

Equity Release

Aviva

Lifestyle Lump Sum

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Aviva

Lifestyle Flexible Option

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Home insurance (building and contents)

Aviva

AvivaPlus Basic

4 stars
Matching sets i
Theft from outbuildings cover limit i Part of sum insured
Escape of water excess i £450.00
Alternative accommodation cover limit for contents i Reasonable cost
Alternative accommodation cover limit for buildings i £80,000.00
Cover for keys if lost i Sum insured
Money in the home i £750.00
Replace belongings new for old i
24hr helpline i
Finding and repairing a leak Reasonable Cost

Aviva

AvivaPlus Regular

4 stars
Matching sets i
Theft from outbuildings cover limit i Part of sum insured
Escape of water excess i £450.00
Alternative accommodation cover limit for contents i Reasonable cost
Alternative accommodation cover limit for buildings i £80,000.00
Cover for keys if lost i Sum insured
Money in the home i £750.00
Replace belongings new for old i
24hr helpline i
Finding and repairing a leak Reasonable Cost

Aviva

AvivaPlus Premium

4 stars
Matching sets i
Theft from outbuildings cover limit i Part of sum insured
Escape of water excess i £450.00
Alternative accommodation cover limit for contents i Reasonable cost
Alternative accommodation cover limit for buildings i Unlimited
Cover for keys if lost i Sum insured
Money in the home i £750.00
Replace belongings new for old i
24hr helpline i
Finding and repairing a leak Reasonable Cost

Aviva

Home Insurance

4 stars
Matching sets i
Theft from outbuildings cover limit i £2,500.00
Escape of water excess i £450.00
Alternative accommodation cover limit for contents i £10,000.00
Alternative accommodation cover limit for buildings i 20% of sum insured
Cover for keys if lost i Sum insured
Money in the home i £750.00
Replace belongings new for old i
24hr helpline i
Finding and repairing a leak 5000

Buildings insurance

Aviva

AvivaPlus Basic

3 stars
Trace and Access i Reasonable Cost
Cover for keys if lost i Sum insured
Matching sets i
Alternative accommodation cover limit i £80,000.00
Cover for keys if stolen i Sum insured
Compulsory excess i £200.00
Escape of water excess i £450.00
24hr helpline i
Property owner liability i £5,000,000.00

Aviva

AvivaPlus Regular

3 stars
Trace and Access i Reasonable Cost
Cover for keys if lost i Sum insured
Matching sets i
Alternative accommodation cover limit i £80,000.00
Cover for keys if stolen i Sum insured
Compulsory excess i £200.00
Escape of water excess i £450.00
24hr helpline i
Property owner liability i £5,000,000.00

Aviva

AvivaPlus Premium

3 stars
Trace and Access i Reasonable Cost
Cover for keys if lost i Sum insured
Matching sets i
Alternative accommodation cover limit i Unlimited
Cover for keys if stolen i Sum insured
Compulsory excess i £200.00
Escape of water excess i £450.00
24hr helpline i
Property owner liability i £5,000,000.00

Aviva

Home Insurance

3 stars
Trace and Access i £5,000.00
Cover for keys if lost i Sum insured
Matching sets i
Alternative accommodation cover limit i 20% of sum insured
Cover for keys if stolen i £1,000.00
Compulsory excess i £200.00
Escape of water excess i £450.00
24hr helpline i
Property owner liability i £5,000,000.00

Contents insurance

Aviva

AvivaPlus Basic

4 stars
Theft from outbuildings cover limit i Part of sum insured
Matching sets i
Cover for keys if lost i Sum insured
Cover limit for cycles in the home i Part of sum insured
Replace belongings new for old i
Alternative accommodation cover limit i Reasonable cost
Money in the home cover limit i £750.00
Cover for keys if stolen i Sum insured
24hr helpline i

Aviva

AvivaPlus Regular

4 stars
Theft from outbuildings cover limit i Part of sum insured
Matching sets i
Cover for keys if lost i Sum insured
Cover limit for cycles in the home i Part of sum insured
Replace belongings new for old i
Alternative accommodation cover limit i Reasonable cost
Money in the home cover limit i £750.00
Cover for keys if stolen i Sum insured
24hr helpline i

Aviva

AvivaPlus Premium

4 stars
Theft from outbuildings cover limit i Part of sum insured
Matching sets i
Cover for keys if lost i Sum insured
Cover limit for cycles in the home i Part of sum insured
Replace belongings new for old i
Alternative accommodation cover limit i Reasonable cost
Money in the home cover limit i £750.00
Cover for keys if stolen i Sum insured
24hr helpline i

Aviva

Home Insurance

3 stars
Theft from outbuildings cover limit i £2,500.00
Matching sets i
Cover for keys if lost i £1,000.00
Cover limit for cycles in the home i Part of sum insured
Replace belongings new for old i
Alternative accommodation cover limit i £10,000.00
Money in the home cover limit i £750.00
Cover for keys if stolen i £1,000.00
24hr helpline i

Investing and pensions

Self-invested Personal Pensions (SIPPs)

Aviva

Pension (Self-select)

Our ratings for Self-invested Personal Pensions (SIPPs) are hosted exclusively on The Times Money Mentor site.

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

Life insurance

Over 50s life insurance

Aviva

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
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

Travel insurance

Annual multi-trip insurance

Aviva

Annual trip

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
Lost or stolen cash 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 31 days

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
Abandoning your trip cover limit i £5,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Lost or stolen cash i £500.00
Combined passport & travel cover limit i £750.00
Missed departure cover limit i £1,000.00

Travel insurance add-on: winter sports

Aviva

Travel Insurance

3 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 £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 £400.00
Unused ski pass due to illness or injury i £300.00

Travel Insurance Covid-19 Cover

Aviva

Single trip

2 stars
Cancellation cover for if policy holder has covid (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cover for change in the FCDO advice whilst on trip? e.g. between when you fly out and come home? You should be aware that this policy does not provide Cancellation or Abandonment cover in the event that the FCDO issue a Travel Advisory against all travel or all but essential travel to a particular country, unless you have selected the Travel Disruption optional cover and this is shown on your policy schedule.
Does the policy cover medical cover if you catch Covid-19?
Cancellation cover for if travel companion has covid-19 (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cancellation cover due to a close relative having covid-19 and is admitted to hospital (this person is not travelling but you cancel trip to stay near them)
Cancellation/curtailment: bereavement of a close relative due to Covid
Cancellation/curtailment cover if denied boarding by airline because displaying symptoms?
Cover for all aspects of the policy, (EXCEPT cancellation and curtailment) for change in the FCDO advice between when you book and departure?
No additional premium to extend policy due to getting covid-19 (for days of trip extended)