Updated September 28, 2026 · AssureCue Editorial Team
Aviva vs Groupama MRH
What sets them apart
| Compare |  Aviva |  Groupama MRH |
|---|---|---|
| Premium from | £5 | €12.90 |
| Insurance types | Auto, Home, Renters, Landlord, Life, Critical illness, Income protection, Health, Travel, Pet, Van, Breakdown | Auto, Home, Landlord, Life, Health, Dental, Pet, Motorcycle, Gadget, Home emergency, Travel |
| Claims channels | Online, App, Phone | Online, Mobile app, Phone, Agency |
| Age range | 18-77 | Reduced student tariff for tenants under 26 (2 rooms maximum) |
| Excess from | Not confirmed | €174 to €354 |
| Cover limit | Not confirmed | Contents (capital mobilier) from EUR 10,627 on Protection Indispensable to EUR 60,402 on Protection Premium, which can also insure furniture with unlimited value |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- Aviva scores higher overall: 9.4 vs 9.3.
- Insurance types: only Aviva offers Renters, Critical illness, Income protection.
- Insurance types: only Groupama MRH offers Dental, Motorcycle, Gadget.
- Claims channels: only Aviva offers App.
- Claims channels: only Groupama MRH offers Mobile app, Agency.
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.
Groupama MRH
Groupama MRH is a French insurer founded in 1900, with a personal book spanning motor, home, health and pet cover, and it suits households who want every policy with a single provider. Older customers in particular are the listed audience, while the catch is what a claim leaves you paying.
Score breakdown
| Area | Aviva | Groupama MRH |
|---|---|---|
| Cost | 9.1HigherLife premiums start at £5, below the site median of €8.37, and monthly payments are available. | 8.8Claim excess runs €174 to €354, and the starting premium sits above the site median of €8.37. |
| Offer | 9.4 | 9.6Higher |
| Trust | 9.6 | 9.7Higher |
How they place
| Ranking | Aviva | Groupama MRH |
|---|---|---|
| Car insurance | 64 of 393 | 88 of 393 |
| Home insurance | 48 of 272 | 70 of 272 |
| Life insurance | 42 of 261 | 68 of 261 |
| Health insurance | 41 of 215 | 63 of 215 |
| Travel insurance | 75 of 291 | 96 of 291 |
| Pet insurance | 35 of 161 | 46 of 161 |
| Landlord insurance | 8 of 55 | 14 of 55 |
What each covers
| Insurance types | Aviva | Groupama MRH |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | Yes |
| Renters | Yes | No |
| Life | Yes | Yes |
| Health | Yes | Yes |
| Travel | Yes | Yes |
| Pet | Yes | Yes |
| Motorcycle | No | Yes |
| Van | Yes | No |
| Breakdown | Yes | No |
| Landlord | Yes | Yes |
| Dental | No | Yes |
| Critical illness | Yes | No |
| Income protection | Yes | No |
| Gadget | No | Yes |
| Home emergency | No | Yes |
Where these facts come from
Aviva
- aviva.co.uk: 11 facts, checked September 26, 2026
Groupama MRH
- groupama.fr: 12 facts, checked September 26, 2026
- fr.wikipedia.org: 2 facts, checked September 26, 2026
Every fact side by side
| Fact | Aviva | Groupama MRH |
|---|---|---|
| Audience | Seniors | Seniors |
| Pricing model | Monthly | Monthly |
| Legal entity | Aviva plc | Assurances Mutuelles Agricoles Groupama |
| Headquarters | United Kingdom | France |
| Founded | Not confirmed | 1900 |
| Support channels | Phone, Chat, Help centre | Phone, Chat, Help centre |
Business insurance
| Fact | Aviva | Groupama MRH |
|---|---|---|
| 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 | Groupama MRH | Median |
|---|---|---|---|
| Excess from | Not confirmed | €174 to €354above the median | €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
Groupama MRH
Pros
- Auto, home, landlord, life, health, dental, pet, motorcycle, gadget, home emergency and travel are all on the book (auto, home and landlord), so policies can sit with the same insurer.
- Claims can be opened online, in the mobile app, by phone or in an agency (online, mobile app and phone), so help is not tied to a single channel.
- Monthly payments are available, so the premium is collected as a regular payment rather than a single sum.
Cons
- The excess on a home claim runs €174 to €354, so a small loss can cost you money.
- Support runs on phone, chat and help centre only, with no email route listed.
- Contents cover is capped on the entry home tier, and unlimited furniture value comes with the top tier alone.
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
Groupama MRH
Who it suits
- Households that want home, motor, health and pet cover with a single French provider.
- Older policyholders, the audience the brand is listed for.
- Tenants who are students and can use the reduced home tariff.
Who should look elsewhere
- Price-first readers, since bunq shows a premium from €0 while Groupama MRH starts at €12.90.
- Shoppers who want a leaner book, since Good Sam Insurance Agency covers auto, home and renters and leaves landlord, dental and gadget cover to others.
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
Groupama MRH
Current offer
Bonus
EUR 50 off the first year of a Groupama Habitation policy: EUR 50
Subscribe in 2026 to two new contracts, minimum annual premium EUR 100 incl. tax; 1 January to 31 December 2026; page header shows the offer running until 30 October 2026; not combinable, see conditions in agency
Source, checked September 26, 2026
Bonus
Up to EUR 250 off on Groupama Sante Active, Groupama Sante Active Senior or Groupama Sante: EUR 200 (page banner: up to EUR 250)
Contract of at least 1 year, minimum annual premium EUR 200 incl. tax, plus a second contract in the same period; 7 September to 17 October 2026; not combinable with other advantages
Source, checked September 26, 2026
First period offer
One month free on the first year of a Groupama chien-chat policy: 1 month of premium
New subscription of a Groupama assurance chien-chat, offer valid 1 January to 31 December 2026
Source, checked September 26, 2026
Country by country
| Country | Aviva | Groupama MRH |
|---|---|---|
| France | 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.
Groupama MRH
How much does cover start at?+
Home cover starts at a premium from €12.90, and monthly payments are available so the cost is spread out. That entry figure sits above the site median of €8.37, and the excess on a claim runs €174 to €354, so small claims can end up costing you.
Who regulates Groupama MRH?+
It is an insurer (insurer) registered in France, supervised by ACPR, the Autorite de controle des assurances et des caisses d'epargne. Because the company carries the risk itself, a claim is paid by the insurer named on the policy rather than being passed to another provider.
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