Is Aviva a Good Insurance Company?
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You are considering buying an insurance policy at Aviva and are wondering if Aviva is the best insurer for you?
You've come to the right place!
In the below guide you’ll find everything you need to know about Aviva: expert and consumers reviews, insurance policies detailed, recommendation, contact and much more.
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Safe's mission is to help anyone trying to get the best value for money deal on personal insurance making the right decision. We've analyzed over 1000 insurance companies and contracts. You will find below our independent and neutral rating and evaluation for Aviva.
Who is Aviva?
Aviva was founded in 1696. It was previously referrred to as Norwich Union but in 2009, it was changed to Aviva. Aviva is one of the largest UK insurance provider with more than 15 million customers. The company provides all kind of personal insurance as well as investment, health and retirement plans. Aviva underwrites insurance policies for several insurance companies.
What are the main insurance policies available at Aviva?
Let's discover below main insurance policies offered by Aviva.
| Safe overall rate | Our reviews | |
|---|---|---|
| Car insurance | Get to know more | |
| Travel insurance | Get to know more | |
| Home insurance | Get to know more | |
| Life insurance | Get to know more | |
| Pet insurance | Get to know more |
Aviva expert and consumers reviews: Defaqto, TrustPilot
Aviva is regularly audited by Defaqto expert rating. Defaqto ranks each company as well as policies with scores of 1 to 5 stars. Cover details, admin fees, value for money, claim and complaint process and more are analyzed and weighted.
Consumers, on the other hand, can write down their opinions on independent websites such as TrustPilot, Reevoo or Reviews which give great insights on claim process and refund as well as customer service at Aviva.
| Defaqto | |
|---|---|
| Car insurance | 5 |
| Home insurance | 5 |
| Pet insurance | Animal Friends Max Extra: 3 stars |
Is Aviva a good car insurance company?
3,9 Safe overall rating for Aviva car insurance
The wide range of cover services that Aviva provides makes it a very highly recommended services. All possible car insurance covers are provided by this company at customer friendly prices and with discounts. Also, the site is informative and can be easily navigated. There is a presence of a chatbot for easy and quick responses to questions asked by customers. Apart from the bad ratings received on TrustPilot, the company has a lot to offer and is recommended.
In addition to typical car insurance coverage choices, Aviva offers, among other options:
Breakdown cover
Aviva provides cover for your car, regardless of who's driving it when it breaks down. There are four levels of cover but the breakdown cover option is not available with Basic cover. In the case of a breakdown, repair, alternative transportation methods and accommodation arrangements up to £150 are provided when needed.
Windscreen cover
- Claim on windscreen, window or sunroof doesn't affect NCB.
- The cover option is only available on the Regular and Premium insurance plans.
Motor legal protection
In the case of an accident, Aviva provides legal support for the driver. If you have an accident, support is provided for any passengers who were in the car at the time. This cover option is optional for the other two covers but it is included with the premium cover.
Personal injury policy
Financial security is assured if you, or your spouse or other named drivers are injured in an accident in a car insured with Aviva. This option is however not available with Basic cover.
Besides main car insurance coverage, you can also get extra car insurance options at Aviva. Get to know more, read our complete review on Aviva car insurance.
Is Aviva a good travel insurance company?
3,8 Safe overall rating for Aviva travel insurance
Aviva plc is a public traded company at the London Stock Exchange and is authorised and regulated by the Financial Conduct Authority.
They offer Single Trip and Multi Trip Policies across only one level of cover along with a wide range of additional optional covers such as Winter Sports Cover, Golf Cover, Business Travel, Scuba Diving, etc.
Due to the low customer satisfaction rate and the company's tendency to increase premium prices during renewals, we would recommend other travel insurance companies such as Alpha, InsureandGo, and Staysure.
For single and annual multi-trip cover, age and maximum number of days limits at Aviva are:
| Main travel insurance policies | Available at Aviva |
|---|---|
| Aviva maximum number of days limit | Single Trip: 90 days |
| Aviva age limit | Single Trip: 80 years |
You will find Aviva cover details (compensations, deductibles, extras etc.) for single and annual multi-trip policies in our review.
Besides main travel insurance policies, Aviva also provides extra cover such as:
- backpackers travel insurance
- long stay travel insurance
- winter sports cover
- golf cover
- cover for business trips
- cruise gear
- gadget cover
The following upgrades are also available at Aviva:
- Scuba Diving Cover
- Airpsace Closure Cover
- Travel Disruption Cover.
>> MORE: read our complete review on Aviva travel insurance.
Is Aviva a good home insurance company?
4,5 Safe overall rating for Aviva home insurance
The company standard home insurance ranks among the top standard home insurance policies.
The Aviva Plus Regular plan offers great building insurance with owner's liability limit up to £5M (one of the highest of the market), trace and access up to £1M.
The standard contents insurance also provides great cover for contents in the open, outbuildings (up to £100K) and a single item limit of £20K.
Both AvivaPlus Regular and Premium plans are rated 5 stars by Defaqto. The premium plan, as most of more comprehensive cover, includes accidental damage, legal expenses and personal possessions as standard.
Aviva building insurance
You will find below building main insurance details for the AvivaPlus Regular Home Insurance cover at Aviva:
- Maximum sum insured for your property: £1 000 000
- Owner's liability: £5 000 000
- Alternative emergency accomodation: £80 000
- Period of home's unoccupancy cover: 60 days
- Trace and access: Up to £1M
- Keys cover: £1 000
- Subsidence excess: £1 000
Alongside building insurance, you can get additional cover such as:
| Home building insurance extras | |
|---|---|
| Home emergency |
|
| Boiler cover |
|
| Family legal protection |
|
Aviva contents insurance
You will find below contents insurance details for the AvivaPlus Regular Home Insurance cover at Aviva:
- Maximum sum insured for your contents: £100 000
- Alternative emergency accomodation: £80 000
- Single item limit: £20 000
- Contents in the open: Up to £100 000
- Contents in outbuildings: Up to £100 000
- Money / credit card kept at home: £750 / Not covered
- Items temporarily removed from home: Up to £50 000 (optional extra)
Alongside contents insurance, you can get additional cover such as:
| Home contents insurance extras | |
|---|---|
| Accidental damage cover | Optional extra |
| Personal possessions cover |
|
| Mobile cover |
|
| Bike cover | Unspecified bicycle away from hom cover available as extra |
Standard excess to report a claim at Aviva is £200.
You will find exhaustive cover details, administration fees, contacts etc. on Aviva home insurance on our review below.
>> MORE: read our complete review on Aviva home insurance.
Is Aviva a good life insurance company?
4,2 Safe overall rating for Aviva home insurance
Aviva was founded in 1696. It was previously referrred to as Norwich Union but in 2009, it was changed to Aviva. In 2013, Aviva paid out £1.4m per day in life insurance and critical illness claims. Aviva offers a series of insurance policies like the Level term life insurance, Decreasing term life insurance, Critical illness cover, Over 50s Life insurance. They have a 5 star rating from Defaqto, however, on TrustPilot, there were many complaints anout the customer care service. They however have a lot of optional extras that can be added to an isurance policy. Asides from the bad review about the customer care service provided, Aviva is recommended.
In summary, here are the main features you need to know when taking out life insurance with Aviva.
| Life insurance criteria | |
|---|---|
| Minimum age | 18 years |
| Maximum age | 89 years |
| Pay-out | Up to £5m |
| Extras | There is an insurance calculator on the website that can help the policyholder determine the amount of life insurance needed |
| Terminal illness | Yes |
You will find everything you need to know on Aviva life insurance in our review.
>> MORE: read our complete review on Aviva life insurance.
Is Aviva a good pet insurance company?
4,1 Safe overall rating for Aviva pet insurance
Aviva is the largest general insurer in the UK, and can trace its history back to 1696. The company has operations in countries around the world, and offers a variety of financial products, including insurance, pensions and investments, including pet insurance. However, at the moment, they have partnered with Animal Friends to provide pet insurance services.
Animal Friends was founded in 1998 and is now one of the leading UK's pet insurer, they offer affordable premiums, great cover and also have good reviews on TrustPilot and Defaqto. The company pet insurance is rated 4.5 on Trust Pilot which signifies that the policyholders found the claims process to be easy. Animal Friends specifically provides pet insurance for dogs, cats and horses and they can be easily reached via the contact form and phone numbers on their website.
Animal Friends offers all types of cover: Lifetime, Maximum Benefit, Time limited and Accident only (which is only available for dogs) from £1000 to £15 000 vet fees cover and all levels of cover have a 3 star rating from Defaqto. Their services are recommended as they have a high financial capacity to pay out claims.
What does Aviva pet insurance cover in a nutshell?
Aviva offers same kind of cover for dogs, cats and small animals.
For Accident Only, Timite Limited and Maximum Benefit types of policies, limits are set per condition depending on your chosen policy.
Accident Only:
- £2,500 per accident, per year
- £15,000 lifetime per accident
Time Limited: £1000 to £4000
Max Benefit: £1000 to £4000
Lifetime (limits are set per condition and refreshed each year when renewed): £1000 to £6000
Aviva discount codes, promos and vouchers
| Discounts and promo codes available | |
|---|---|
| Car insurance |
|
| Travel insurance | There are no discounts mentioned on the website. |
| Home insurance | Discount is given for buying combined policy. |
| Life insurance | No |
| Pet insurance |
|
How to contact Aviva?
Find out how to contact and log in to Aviva on our contact page.
