Updated September 28, 2026 · AssureCue Editorial Team
Alior vs Aviva
Where Alior and Aviva differ
| Compare |  Alior |  Aviva |
|---|---|---|
| Premium from | PLN 15,000 | £5 |
| Insurance types | Auto, Home, Life, Travel, Income protection | Auto, Home, Renters, Landlord, Life, Critical illness, Income protection, Health, Travel, Pet, Van, BreakdownCovers more |
| Provider type | Broker | Insurer |
| Claims channels | Phone, Email, Help centre | Online, App, Phone |
| Age range | Children from birth to 26 years of age | 18-77 |
| Monthly payments | Not confirmed | Yes |
| Cover limit | Sum insured guaranteed for the whole policy term (Bezpieczne Jutro); life cover for borrowers up to the amount of the loan granted | Not confirmed |
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Key differences
- Aviva scores higher overall: 9.4 vs 8.6.
- Insurance types: only Aviva offers Renters, Landlord, Critical illness.
- Claims channels: only Alior offers Email, Help centre.
- Claims channels: only Aviva offers Online, App.
- Support channels: only Alior offers Email.
Our verdict on each
Alior
Alior suits people in Poland who want one bank to hold their everyday money and their cover. Insurance starts at PLN 15,000, well above the €8.37 most listed brands charge, so the price is the first thing to weigh.
Aviva
Aviva suits people who want one regulated insurer for the whole family, from car and home to life and critical illness cover. Life premiums start at £5 a month, a low entry point, and the account is overseen by the Financial Conduct Authority and the Prudential Regulation Authority.
Score breakdown
| Area | Alior | Aviva |
|---|---|---|
| Cost | 8.0Premium from PLN 15,000 sits well above the €8.37 typical across the site | 9.1HigherLife premiums start at £5, below the site median of €8.37, and monthly payments are available. |
| Offer | 9.4 | 9.4 |
| Trust | 8.7 | 9.6Higher |
Feature by feature
| Insurance types | Alior | Aviva |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | Yes |
| Renters | No | Yes |
| Life | Yes | Yes |
| Health | No | Yes |
| Travel | Yes | Yes |
| Pet | No | Yes |
| Van | No | Yes |
| Breakdown | No | Yes |
| Landlord | No | Yes |
| Critical illness | No | Yes |
| Income protection | Yes | Yes |
Licences and countries
| Country | Alior | Aviva |
|---|---|---|
| Poland | Not confirmed | |
| United Kingdom | Not confirmed | Financial Conduct Authority 308139 |
Additional countries for Alior: 1. Additional countries for Aviva: 1.
Where they rank in our lists
| Ranking | Alior | Aviva |
|---|---|---|
| Car insurance | 34 of 394 | 67 of 394 |
| Home insurance | 30 of 273 | 51 of 273 |
| Life insurance | 23 of 263 | 47 of 263 |
| Travel insurance | 39 of 296 | 82 of 296 |
| Income protection insurance | 6 of 92 | 13 of 92 |
Sources behind this comparison
Alior
- aliorbank.pl: 9 facts, checked September 26, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
Aviva
- aviva.co.uk: 11 facts, checked September 26, 2026
Every fact side by side
| Fact | Alior | Aviva |
|---|---|---|
| Audience | Not confirmed | Seniors |
| Pricing model | Not confirmed | Monthly |
| Legal entity | Alior Bank S.A. (KRS 0000305178) | Aviva plc |
| Headquarters | Poland | United Kingdom |
| Founded | 2008 | Not confirmed |
| Support channels | Phone, Email, Help centre, ChatCovers more | Phone, Chat, Help centre |
Business insurance
| Fact | Alior | Aviva |
|---|---|---|
| Cover types | Not confirmed | Employers liability, Professional indemnity, Public liability |
| Industries | Not confirmed | vehicles, vans, rental property |
Pros and cons
Alior
Pros
- One app handles the account and the cover, with phone, email and help centre for questions
- Cover spans auto, home and life so most needs sit in one place
- Life cover for borrowers is set at up to the amount of the loan granted
Cons
- Premium from PLN 15,000 is well above the €8.37 across the site
- As a broker, the policy sits with an insurer, so terms come from that insurer
- Age range runs to Children from birth to 26 years of age, so older customers sit outside the children's cover
Aviva
Pros
- One insurer covers auto, home and renters
- Life premiums start at £5, under the site median of €8.37
- Aviva is an insurer, so it carries the risk itself
Cons
- £5 is an entry figure on life cover
- monthly lists monthly as the only model
- Support runs on phone, chat and help centre only
Who each suits
Alior
Who it suits
- Existing Alior banking customers who want cover in the same place
- People buying a home, car or travel policy alongside a loan
- Polish residents who prefer dealing in Polish and hold accounts at a domestic bank
Who should look elsewhere
- Anyone chasing the lowest entry price, since bunq lists a premium from €0
- Buyers wanting pet, health or motorcycle cover, where Good Sam Insurance Agency lists more lines
- Shoppers wanting a single insurer rather than a broker
Aviva
Who it suits
- Families wanting car, home, renters, landlord, life, health, travel, pet, van and breakdown cover from one regulated insurer
- Older policyholders looking for life cover from an insurer listing seniors as an audience
- Landlords and vehicle businesses needing employers liability, professional indemnity and public liability
Who should look elsewhere
- Anyone wanting annual billing, since monthly lists monthly as the only model
- Readers wanting motorcycle or dental cover, neither of which appears in auto, home and renters
- Businesses needing cyber or property cover, as employers liability, professional indemnity and public liability covers only three lines
Current offers
Alior
Current offer
Discount code
Ubezpieczenie NNW PZU EDUKACJA - 10% taniej dla klientow Alior Banku: 10% discount
Discount applied automatically when moving to the mojePZU service; for NNW PZU Edukacja policies concluded by 31.05.2027
Source, checked September 26, 2026
Bonus
Alior Konto z premia do 800 zl plus stylowa obraczka platnicza: Bonus up to 800 PLN plus payment ring
Open an Alior Konto / Alior Konto Plus account online with the code PREMIA2026; separate bonus terms apply
Source, checked September 26, 2026
Aviva
Current offer
Bonus
Amazon.co.uk gift card reward for Life Insurance Plan: Amazon.co.uk gift card worth GBP 50 to GBP 200
Apply for a Life Insurance Plan by 9 November 2026; claim after paying six monthly premiums; max one reward per person and per policy; GBP 50 for monthly premium GBP 5-9.99, GBP 80 for GBP 10-19.99, GBP 140 for GBP 20-29.99, GBP 200 for GBP 30 or more; limited time offer, restrictions apply, may be withdrawn
Source, checked September 26, 2026
First period offer
Free life insurance when buying a home: up to 90 days free life insurance
Applies when buying a home; terms apply, see policy conditions for full details
Source, checked September 26, 2026
Country by country
| Country | Alior | Aviva |
|---|---|---|
| Poland | Yes | No |
| United Kingdom | No | Yes |
Questions about each
Alior
What does insurance cost at Alior?+
Cover starts at PLN 15,000, which is the figure the bank publishes. That sits above the €8.37 most brands on the site start at, so Alior is not the cheapest way into cover here. The exact premium depends on the policy, the sum insured and the term you pick.
Does Alior insure directly or act as a broker?+
Alior is a broker, so an insurer underwrites the policy while the bank sells it. That distinction matters at claims stage, because the contract, the terms and the payout all come from the insurer. The distribution activity is listed with the Komisja Nadzoru Finansowego register of insurance agents.
Aviva
How much does Aviva cost as a starting point?+
Life insurance premiums start at £5. That figure sits below the site median of €8.37, where the market runs from €2.92 to €29.72. Motor, home and health cover are quoted separately rather than from this headline number.
Can I pay Aviva premiums monthly?+
Monthly payments are available and monthly lists monthly as the arrangement. That is the only model on record, so readers who prefer to settle a policy in one payment each year will not find that option here. Instalments can make a policy easier to start, though the total paid over the term is worth checking.
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