Aviva review

Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026

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Our verdict

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.

Key facts

Best for
Households wanting one regulated insurer for personal and business cover
Premium from
£5 (Source, checked September 26, 2026)
Insurance types
Auto, Home, Renters, Landlord, Life, Critical-illness, Income-protection, Health, Travel, Pet, Van, Breakdown (Source, checked September 26, 2026)
Provider type
Insurer (Source, checked September 26, 2026)
Monthly payments
Yes (Source, checked September 26, 2026)
Claims channels
Online, App, Phone (Source, checked September 26, 2026)
Age range
18-77 (Source, checked September 26, 2026)
Legal entity
Aviva plc (Source, checked September 26, 2026)
Headquarters
United Kingdom (Source, checked September 26, 2026)
Support channels
Phone, Chat, Help-centre (Source, checked September 26, 2026)
Audience
Seniors
Pricing model
Monthly
Official website
aviva.co.uk

Business insurance

Provider type
Insurer (Source, checked September 26, 2026)
Cover types
Employers-liability, Professional-indemnity, Public-liability (Source, checked September 26, 2026)
Premium from
£5 (Source, checked September 26, 2026)
Monthly payments
Yes (Source, checked September 26, 2026)
Industries
vehicles, vans, rental property (Source, checked September 26, 2026)
Legal entity
Aviva plc (Source, checked September 26, 2026)
Headquarters
United Kingdom (Source, checked September 26, 2026)
Support channels
Phone, Chat, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataWikipediacareers.aviva.co.uk

Pros and cons

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
  • Claims run through online, app and phone
  • Life cover opens at 18-77 and targets seniors

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
  • Business cover is limited to employers liability, professional indemnity and public liability
Aviva

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Scored 9.4 / 10 by AssureCue.

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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

Price signals

The published starting point is £5 on life insurance, and it is an entry price rather than a typical one. For context, the median starting premium across the site sits at €8.37, with the market spanning €2.92 to €29.72. That puts Aviva's headline figure in the cheaper part of the field, though the gap between €0 and €3,431.08 shows how wide the spread can be. Monthly payments are available, so the cover can be funded in instalments rather than a lump. Note that £5 covers life insurance only. Other lines, such as motor, home and health, are quoted individually.

How your money is protected

Aviva is an insurer, which means the risk is carried by Aviva plc rather than passed to an outside underwriter. As an insurer, the company sits inside the UK regulatory perimeter, so policyholder money is handled under the same rules that apply to other UK insurers. Buying from an insurer removes the layer of commission structures that come with a broker, so the premium quoted is the premium the insurer receives. What matters most for the safety of the money is the strength of the balance sheet behind the policy, and for Aviva that strength comes from being an established UK insurer rather than a new entrant. Claims are handled in house, which keeps one party responsible for both the money coming in and the money going out.

Who regulates the provider

Aviva plc is authorised and regulated in the United Kingdom by the Financial Conduct Authority and the Prudential Regulation Authority, and separately authorised by the Financial Conduct Authority under registration 308139. Both regulators appear in the licensing record, which is what a reader can check before committing money. The Prudential Regulation Authority supervises how prudently insurers hold the assets that back their policies, and the Financial Conduct Authority supervises how insurers sell and treat customers. Because Aviva is an insurer rather than a broker or an intermediary, there is one firm answer to the question of who is liable when a claim is paid. Any provider can be checked against the Financial Conduct Authority register to confirm the authorisation and the registration number match.

Cover and limits

The range is wide for a single provider: auto, home and renters covers motor, home, renters, landlord, life, critical illness, income protection, health, travel, pet, van and breakdown. That matters for anyone holding more than one kind of policy, since renewals fall into the same calendar. Life cover is open to adults across 18-77, and the company lists seniors as a target audience, so older policyholders are actively served rather than left to a niche. Motorbike, dental and gadget cover are not part of the listed range, and the business side is handled separately. Cover levels themselves are not published here, so limits and excess would need to be confirmed at quote stage rather than assumed from this list.

The company behind it

The contract is held with Aviva plc, a company based in the United Kingdom. As a named insurer rather than a comparison site, the party that pays a claim is the same party that holds the premium, which removes a layer of doubt at claim time. Support runs on phone, chat and help centre, covering phone, chat and a self-serve help centre. For regulated conduct, Aviva plc answers to the Financial Conduct Authority and the Prudential Regulation Authority. The combination of a large in house product set and a single support desk means policy servicing sits with one company, which is the main practical argument for keeping cover here rather than splitting it across providers.

How Aviva compares

Where Aviva is available

Available
United Kingdom
Licence in United Kingdom
Prudential Regulation Authority, regulated by the Financial Conduct Authority and the Prudential Regulation Authority (185896), checked September 26, 2026
Licence in United Kingdom
Financial Conduct Authority (308139), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

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.

Who regulates Aviva?+

Aviva plc is authorised and regulated in the United Kingdom by the Financial Conduct Authority and the Prudential Regulation Authority, and separately authorised by the Financial Conduct Authority under registration 308139. Both regulators appear in the licensing record, so the authorisation can be confirmed before money is committed.

Is my money held safely with Aviva?+

Aviva is an insurer operating under Aviva plc, so the risk sits with the company itself rather than an outside underwriter. It is supervised by the Financial Conduct Authority and the Prudential Regulation Authority. Buyers can confirm the registration details on the Financial Conduct Authority register.

What kinds of insurance does Aviva offer?+

The listed range covers auto, home and renters. One provider handling motor, home, life, health, travel, pet, van and landlord cover means renewals can fall into the same calendar and run through one support desk. Motorcycle, dental and gadget cover are not part of the listed range.

Who is Aviva insurance aimed at?+

The company lists seniors as an audience, and life cover is open across 18-77. That makes it a practical option for older policyholders who find many life products limited by age. It also serves households holding several kinds of policy at once.

How do I make a claim with Aviva?+

Claims can be reported through online, app and phone, so a claim can be started online, through the app or by phone. Support for general enquiries runs on phone, chat and help centre, with no email option listed. As an insurer, Aviva handles the claim rather than passing it to another firm.

Does Aviva offer business insurance?+

Business cover runs to employers liability, professional indemnity and public liability, covering employers liability, professional indemnity and public liability. The industries listed include vehicles, vans and rental property. Cyber and standalone property cover do not appear in the business line list, so those would need another provider.

Sources

  • aviva.co.uk checked September 26, 2026

    Backs: Insurance types

    “Car Insurance ... Home Insurance ... Tenants and Renters Insurance ... Landlord Insurance ... Life Insurance ... Critical Illness Cover ... Income protection insurance ... Health insurance ... Travel...”

  • aviva.co.uk/business/insurance checked September 26, 2026

    Backs: Cover types, Industries

    “Employers' Liability Insurance ... Professional Indemnity Insurance ... Public Liability Insurance”

  • aviva.co.uk/help-and-support checked September 26, 2026

    Backs: Support channels

    “Our chatbot can connect you to the answers and people you need ... instant support around the clock”

  • aviva.co.uk/help-and-support/claims checked September 26, 2026

    Backs: Claims channels

    “We're here when you need us. Select your product to let us know about a claim or incident”

  • aviva.co.uk/insurance/life-products/life-insurance checked September 26, 2026

    Backs: Age range, Audience, Pricing model, Monthly payments, Premium from

    “To apply for cover, you must be aged between 18 and 77”

  • aviva.co.uk/services/about-our-business/about-us/aviva-co... checked September 26, 2026

    Backs: Provider type, Headquarters, Legal entity, Licences

    “We're a composite insurer made up of separate businesses offering everything from pensions to personal accident cover”

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Aviva

Aviva

Households wanting one regulated insurer for personal and business cover

9.4/10See alternatives

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