Updated September 28, 2026 · AssureCue Editorial Team
Aviva vs Barmenia
Aviva vs Barmenia: the differences
| Compare |  Aviva |  Barmenia |
|---|---|---|
| Premium from | £5 | €2.40 |
| Insurance types | Auto, Home, Renters, Landlord, Life, Critical illness, Income protection, Health, Travel, Pet, Van, Breakdown | Auto, Home, Renters, Life, Health, Travel, Pet, Motorcycle, Dental, Critical illness, Income protection, Home emergency |
| Claims channels | Online, App, Phone | Online claims form, Phone, Email, Customer portal |
| Age range | 18-77 | Any age (dog surgery cover) |
| Excess from | Not confirmed | €250 |
| Cover limit | Not confirmed | Unlimited annual maximum benefit (pet surgery cover) |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- Insurance types: only Aviva offers Landlord, Van, Breakdown.
- Insurance types: only Barmenia offers Motorcycle, Dental, Home emergency.
- Claims channels: only Aviva offers Online, App.
- Claims channels: only Barmenia offers Online claims form, Email, Customer portal.
- Support channels: only Aviva offers Chat.
- Support channels: only Barmenia offers Email.
Our verdict on each
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.
Barmenia
Barmenia is a direct insurer founded in 1904, and it suits people who want motor, home, health and pet cover held on a single monthly policy rather than split across separate insurers. Claims can start by online claims form, phone and email, and pet surgery cover is open to Any age (dog surgery cover).
Score breakdown
| Area | Aviva | Barmenia |
|---|---|---|
| Cost | 9.1HigherLife premiums start at £5, below the site median of €8.37, and monthly payments are available. | 9.0Premium starts at €2.40 against a site median of €8.37, ranking 55 of 252. |
| Offer | 9.4 | 9.6Higher |
| Trust | 9.6 | 9.7Higher |
Positions in our rankings
| Ranking | Aviva | Barmenia |
|---|---|---|
| Car insurance | 64 of 393 | 67 of 393 |
| Home insurance | 48 of 272 | 51 of 272 |
| Renters and contents insurance | 16 of 78 | 17 of 78 |
| Life insurance | 42 of 261 | 45 of 261 |
| Health insurance | 41 of 215 | 42 of 215 |
| Travel insurance | 75 of 291 | 76 of 291 |
| Pet insurance | 35 of 161 | 36 of 161 |
| Business insurance | 36 of 150 | 39 of 150 |
| Income protection insurance | 11 of 92 | 12 of 92 |
| Critical illness cover | 11 of 65 | 12 of 65 |
What each covers
| Insurance types | Aviva | Barmenia |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | Yes |
| Renters | Yes | Yes |
| Life | Yes | Yes |
| Health | Yes | Yes |
| Travel | Yes | Yes |
| Pet | Yes | Yes |
| Motorcycle | No | Yes |
| Van | Yes | No |
| Breakdown | Yes | No |
| Landlord | Yes | No |
| Dental | No | Yes |
| Critical illness | Yes | Yes |
| Income protection | Yes | Yes |
| Home emergency | No | Yes |
Where each is licensed and available
| Country | Aviva | Barmenia |
|---|---|---|
| United Kingdom | Financial Conduct Authority 308139 | Not confirmed |
Additional countries for Aviva: 1. Additional countries for Barmenia: 1.
What we checked
Aviva
- aviva.co.uk: 11 facts, checked September 26, 2026
Barmenia
- barmenia.de: 13 facts, checked September 26, 2026
Every fact side by side
| Fact | Aviva | Barmenia |
|---|---|---|
| Audience | Seniors | Not confirmed |
| Pricing model | Monthly | Monthly |
| Legal entity | Aviva plc | Barmenia Versicherungen a. G. |
| Headquarters | United Kingdom | Germany |
| Founded | Not confirmed | 1904 |
| Support channels | Phone, Chat, Help centre | Phone, Email, Help centre |
Business insurance
| Fact | Aviva | Barmenia |
|---|---|---|
| Cover types | Employers liability, Professional indemnity, Public liability | Not confirmed |
| Industries | vehicles, vans, rental property | Not confirmed |
Where each stands against the rest
| Fact | Aviva | Barmenia | Median |
|---|---|---|---|
| Excess from | Not confirmed | €250highest quarter | €70 |
Median across 68 listed insurance providers.
Pros and cons
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
Barmenia
Pros
- A single insurer holds auto, home and renters plus home emergency cover, so several personal lines sit with one provider.
- Monthly payments are available and monthly is the listed payment model, which spreads the cost across the year.
- Claims can be started by online claims form, phone and email, so a customer portal sits alongside phone and email.
Cons
- The pet surgery excess starts at €250, so part of a claim bill still comes out of the household's pocket.
- Gadget, landlord and breakdown cover are not among its insurance types (auto, home and renters), so those risks sit with another provider.
- General queries run on phone, email and help centre, and live chat is not among them.
Who each suits
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
Barmenia
Who it suits
- Households wanting motor, home, health and pet cover arranged by a single direct insurer.
- Owners of older dogs, since Any age (dog surgery cover) applies to the surgery cover.
- People who prefer monthly payments over settling a premium in one go.
Who should look elsewhere
- Buyers after a narrow line rather than a bundle: Good Sam Insurance Agency lists auto, home and renters and leaves out dental, critical illness and income protection.
- Anyone quoting in a different market: Euroasia Insurance starts at UZS 60,000, priced in another currency from Barmenia's home market of DE.
- Customers wanting a mobile banking account instead of general insurance: bunq quotes €0 for an account, not for auto, home and renters cover.
Current offers
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 | Aviva | Barmenia |
|---|---|---|
| Germany | No | Yes |
| United Kingdom | Yes | No |
Questions about each
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.
Barmenia
How much does cover cost?+
The starting premium is €2.40, which sits below the €8.37 median across the site and places Barmenia at 55 of 252 on that measure. Pet surgery cover also carries an excess starting at €250.
Is there an excess to pay on pet cover?+
On pet surgery cover the excess starts at €250, so at least that much comes off a claim before the balance is paid. Owners with frequent small veterinary bills will feel that contribution more than those making a single large claim.
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