Updated October 14, 2026 · AssureCue Editorial Team
Aviva vs ERGO
What sets them apart
| Compare |  Aviva | ERGO ReviewSee alternativesSee alternatives |
|---|---|---|
| Premium from | £5 | CZK 44 |
| Insurance types | Auto, Home, Renters, Landlord, Life, Critical illness, Income protection, Health, Travel, Pet, Van, BreakdownCovers more | Travel |
| Monthly payments | YesHas it | No |
| Claims channels | Online, App, Phone | Online, Phone, Email, Chat |
| Age range | 18-77 | 18-69 |
| Excess from | Not confirmed | €150 |
| Cover limit | Not confirmed | 100 million CZK medical expenses |
Same on both: Provider type (Insurer).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Aviva scores higher overall: 9.4 vs 9.3.
- Monthly payments: only Aviva.
- Insurance types: only Aviva offers Auto, Home, Renters.
- Claims channels: only Aviva offers App.
- Claims channels: only ERGO offers Email, Chat.
- Support channels: only Aviva offers Help centre.
- Support channels: only ERGO offers Email.
Our verdict on each
Aviva
Aviva lets customers choose level or decreasing cover and set its duration and amount.
ERGO
ERGO suits adults planning single trips who want cover from an insurer with long history and clear medical limits. Premiums start at CZK 44 with medical expenses cover of 100 million CZK medical expenses and claims support across online, phone and email.
Score breakdown
| Area | Aviva | ERGO |
|---|---|---|
| Cost | 9.1HigherLife premiums start at £5, below the site median of €8.37, and monthly payments are available. | 8.9Entry travel premiums start at CZK 44, which frames upfront cost. |
| Offer | 9.4Higher | 9.0Travel focus shown by travel with medical cover of 100 million CZK medical expenses. |
| Trust | 9.6 | 9.7HigherLong operating history since 1907 as insurer supports trust. |
Where they rank in our lists
| Ranking | Aviva | ERGO |
|---|---|---|
| Travel insurance | 82 of 295 | 110 of 295 |
| Business insurance | 37 of 147 | 62 of 147 |
| Professional indemnity and liability insurance | 13 of 39 | 22 of 39 |
| Public liability insurance | 15 of 52 | 26 of 52 |
What each covers
| Insurance types | Aviva | ERGO |
|---|---|---|
| Auto | Yes | No |
| Home | Yes | No |
| Renters | Yes | No |
| Life | Yes | No |
| Health | Yes | No |
| Travel | Yes | Yes |
| Pet | Yes | No |
| Van | Yes | No |
| Breakdown | Yes | No |
| Landlord | Yes | No |
| Critical illness | Yes | No |
| Income protection | Yes | No |
Where each is licensed and available
| Country | Aviva | ERGO |
|---|---|---|
| Czechia | Not confirmed | |
| United Kingdom | Financial Conduct Authority 308139 | Not confirmed |
Additional countries for Aviva: 1. Additional countries for ERGO: 1.
Where these facts come from
Aviva
- aviva.co.uk: 11 facts, checked September 26, 2026
ERGO
- ergo-cestovni.cz: 12 facts, checked September 29, 2026
Every fact side by side
| Fact | Aviva | ERGO |
|---|---|---|
| Audience | Seniors | Not confirmed |
| Pricing model | Monthly | Not confirmed |
| Legal entity | Aviva plc | ERGO Cestovní Pojišťovna, a. s. |
| Headquarters | United Kingdom | Czechia |
| Founded | Not confirmed | 1907 |
| Support channels | Phone, Chat, Help centre | Email, Phone, Chat |
Business insurance
| Fact | Aviva | ERGO |
|---|---|---|
| Cover types | Employers liability, Professional indemnity, Public liability | Public liability, Professional indemnity, Property |
| Indemnity limit | Not confirmed | CZK 100,000,000 |
| Industries | vehicles, vans, rental property | Travel, tourism, business travel, entrepreneurs, self-employed |
Where each stands against the rest
| Fact | Aviva | ERGO | Median |
|---|---|---|---|
| Excess from | Not confirmed | €150above the median | €50 |
Median across 71 listed insurance providers.
Pros and cons
Aviva
Pros
- Cover choices and price factors are explained
- MyAviva supports viewing and changing listed policies
Cons
- Stopping premiums or cancelling ends cover without a refund
ERGO
Pros
- Medical expenses cover of 100 million CZK medical expenses for single trip travel.
- Premiums start at CZK 44 for entry level trip cover.
- Claims can be made via online, phone and email.
Cons
- Excess starts at €150, which adds upfront cost to small claims.
Who each suits
Aviva
Who it suits
- Aviva customers comparing policy duration, cover amount and account management.
ERGO
Who it suits
- Adults within 18-69 seeking single trip travel cover
- Entrepreneurs and self employed travellers needing business travel protection
Who should look elsewhere
- Shoppers wanting wider personal cover beyond travel may prefer LV=, which lists auto, home and pet.
- Shoppers comparing low entry premiums may check die Bayerische, which shows €2.09.
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 | ERGO |
|---|---|---|
| Czechia | No | Yes |
| United Kingdom | Yes | No |
Questions about each
ERGO
What does ERGO travel cover cost at entry level?+
Premiums for ERGO single trip travel cover start at CZK 44. The exact amount depends on destination, length of stay and chosen options. The starting figure helps compare entry cost before reviewing limits and excess.
What medical cover limit does ERGO provide for travel?+
ERGO provides medical expenses cover of 100 million CZK medical expenses for its single trip travel product. That limit applies to medical costs abroad under the policy terms. Travellers should check how the limit fits destination healthcare costs and planned activities.
Does ERGO travel insurance include an excess?+
ERGO applies an excess starting at €150. The excess is the amount paid toward an accepted claim before the insurer pays the remainder. The level may vary by tariff and claim type, so review terms before purchase.
Who can apply for ERGO single trip travel cover by age?+
ERGO states an age span of 18-69 for single trip travel cover. Applicants inside that span can request cover subject to underwriting and policy terms. Those outside the span should check other travel options or specialist cover.
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