Updated September 29, 2026 · AssureCue Editorial Team
Aviva vs Emergency Assist
Where Aviva and Emergency Assist differ
| Compare |  Aviva |  Emergency Assist |
|---|---|---|
| Premium from | £5Lower | £19.32 |
| Insurance types | Auto, Home, Renters, Landlord, Life, Critical illness, Income protection, Health, Travel, Pet, Van, Breakdown | Breakdown, Van, Motorcycle |
| Provider type | Insurer | Broker |
| Claims channels | Online, App, Phone | Phone, Email |
| Excess from | Not confirmed | £0 |
| Age range | 18-77 | Not confirmed |
Same on both: Monthly payments (Yes).
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Key differences
- Aviva scores higher overall: 9.4 vs 8.7.
- Premium from is lower at Aviva: £5 vs £19.32.
- Insurance types: only Aviva offers Auto, Home, Renters.
- Insurance types: only Emergency Assist offers Motorcycle.
- Claims channels: only Aviva offers Online, App.
- Claims channels: only Emergency Assist offers Email.
- Support channels: only Aviva offers Chat.
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.
Emergency Assist
Emergency Assist suits drivers, riders and van owners seeking breakdown protection with the option to pay in instalments. Premiums start at £19.32 for cover that stays focused on roadside needs, with claims and support arranged for straightforward help when disruption hits.
Score breakdown
| Area | Aviva | Emergency Assist |
|---|---|---|
| Cost | 9.1Life premiums start at £5, below the site median of €8.37, and monthly payments are available. | 9.1Cost reflects excess of £0 at point of claim. |
| Offer | 9.4Higher | 8.6Offer centres on breakdown, van and motorcycle for roadside needs. |
| Trust | 9.6Higher | 8.5Trust rests on 579333 authorisation. |
Feature by feature
| Insurance types | Aviva | Emergency Assist |
|---|---|---|
| Auto | Yes | No |
| Home | Yes | No |
| Renters | Yes | No |
| Life | Yes | No |
| Health | Yes | No |
| Travel | Yes | No |
| Pet | Yes | No |
| Motorcycle | No | Yes |
| Van | Yes | Yes |
| Breakdown | Yes | Yes |
| Landlord | Yes | No |
| Critical illness | Yes | No |
| Income protection | Yes | No |
A third option
Scottish Friendly has premium from at £0.23, against £5 for Aviva and £19.32 for Emergency Assist.
Scottish Friendly reviewWhere these facts come from
Aviva
- aviva.co.uk: 11 facts, checked September 26, 2026
Emergency Assist
- emergencyassistltd.co.uk: 11 facts, checked September 29, 2026
How they place
| Ranking | Aviva | Emergency Assist |
|---|---|---|
| Car insurance | 67 of 394 | 33 of 394 |
| Van insurance | 6 of 38 | 4 of 38 |
| Breakdown cover | 9 of 52 | 5 of 52 |
Every fact side by side
| Fact | Aviva | Emergency Assist |
|---|---|---|
| Audience | Seniors | Not confirmed |
| Pricing model | Monthly | Monthly |
| Legal entity | Aviva plc | Emergency Assist Ltd |
| Headquarters | United Kingdom | United Kingdom |
| Founded | Not confirmed | 2017 |
| Support channels | Phone, Chat, Help centreCovers more | Phone, Help centre |
Business insurance
| Fact | Aviva | Emergency Assist |
|---|---|---|
| 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 | Emergency Assist | Median |
|---|---|---|---|
| Premium from | £5below the median | £19.32above the median | £7.95 |
| Excess from | Not confirmed | £0below the median | £25 |
Median across 51 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
Emergency Assist
Pros
- Premiums start at £19.32 on a monthly basis
- Monthly payments available with support via phone and help centre
- Claims contact through phone and email for direct help
Cons
- Support runs on phone and help centre only
- Claims run through phone and email only
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
Emergency Assist
Who it suits
- Drivers seeking phone based breakdown help
- Van and motorcycle owners wanting monthly terms
- Shoppers comfortable buying through a broker
Who should look elsewhere
- Shoppers wanting Hiscox for a different premium starting at $29.16
- Shoppers wanting andsafe for a different premium starting at €3.63
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 | Emergency Assist |
|---|---|---|
| United Kingdom | Yes | Yes |
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.
Emergency Assist
How much does Emergency Assist breakdown cover cost?+
Premiums start at £19.32 for Saver breakdown cover. The plan is sold on a monthly basis, with Monthly payments available to spread the cost. Exact pricing depends on vehicle and cover selected, so check the quote before purchase.
Is there an excess to pay on a claim?+
The Saver plan carries excess of £0, so there is nothing extra to pay toward an approved claim. That structure keeps callouts simple at the roadside. Always confirm the excess wording in the policy documents before relying on cover.
Other options to compare
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