Updated September 28, 2026 · AssureCue Editorial Team
Aviva vs Income Insurance
What sets them apart
| Compare |  Aviva |  Income Insurance |
|---|---|---|
| Premium from | £5 | SGD 0.60 |
| Insurance types | Auto, Home, Renters, Landlord, Life, Critical illness, Income protection, Health, Travel, Pet, Van, Breakdown | Auto, Home, Life, Health, Travel, Pet, Motorcycle |
| Claims channels | Online, App, Phone | Phone, Email, Online form, Mobile app, Customer portal |
| Age range | 18-77 | Pet insured must be at least 16 weeks old and below 9 years old at policy start |
| Monthly payments | Yes | Not confirmed |
| Excess from | Not confirmed | SGD 250 |
| Cover limit | Not confirmed | S$8,500 - S$27,000 maximum annual coverage per policy year (Happy Tails Pet Insurance) |
Same on both: Provider type (Insurer).
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Key differences
- Insurance types: only Aviva offers Renters, Landlord, Critical illness.
- Insurance types: only Income Insurance offers Motorcycle.
- Claims channels: only Aviva offers Online, App.
- Claims channels: only Income Insurance offers Email, Online form, Mobile app.
- Support channels: only Aviva offers Chat.
- Support channels: only Income Insurance 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.
Income Insurance
Income Insurance suits anyone who wants a single insurer to hold several personal policies from a company based in Singapore, and it scores 5.6 here. On entry price it ranks 24 of 252 brands, so get a quote on your own details before committing to any plan.
Score breakdown
| Area | Aviva | Income Insurance |
|---|---|---|
| Cost | 9.1Life premiums start at £5, below the site median of €8.37, and monthly payments are available. | 9.1Premiums from SGD 0.60 sit below the site median of €8.37, while the pet excess starts at SGD 250. |
| Offer | 9.4 | 9.6Higher |
| Trust | 9.6Higher | 9.5 |
What each covers
| Insurance types | Aviva | Income Insurance |
|---|---|---|
| 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 | No |
| Critical illness | Yes | No |
| Income protection | Yes | No |
How they place
| Ranking | Aviva | Income Insurance |
|---|---|---|
| Car insurance | 64 of 393 | 8 of 393 |
| Home insurance | 48 of 272 | 7 of 272 |
| Life insurance | 42 of 261 | 6 of 261 |
| Health insurance | 41 of 215 | 7 of 215 |
| Travel insurance | 75 of 291 | 11 of 291 |
| Pet insurance | 35 of 161 | 6 of 161 |
| Business insurance | 36 of 150 | 9 of 150 |
| Professional indemnity and liability insurance | 12 of 38 | 3 of 38 |
Every fact side by side
| Fact | Aviva | Income Insurance |
|---|---|---|
| Audience | Seniors | Seniors |
| Pricing model | Monthly | Not confirmed |
| Legal entity | Aviva plc | Income Insurance Limited |
| Headquarters | United Kingdom | Singapore |
| Founded | Not confirmed | 1970 |
| Support channels | Phone, Chat, Help centre | Phone, Email, Help centre |
Business insurance
| Fact | Aviva | Income Insurance |
|---|---|---|
| Cover types | Employers liability, Professional indemnity, Public liabilityCovers more | Professional indemnity |
| Industries | vehicles, vans, rental property | Not confirmed |
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
Income Insurance
Pros
- A single insurer for the lot: auto, home and life and professional indemnity can sit with the same company, so personal and trade policies need not be split across providers.
- Claim handling runs through phone, email and online form, so you can start a claim by whichever route suits the moment, from a form to a call.
- Support is listed as phone, email and help centre, so a quote or renewal question has a phone line, an inbox and a help centre behind it.
Cons
- The pet excess starts at SGD 250, so a routine claim still leaves that amount with you before the insurer pays anything.
- The pet age range rules older animals out: the pet must be above a minimum age and below a maximum age at the policy start.
- The pet cover limit moves through a fixed annual range under Happy Tails Pet Insurance rather than a single high ceiling, so a costly year at the vet can outrun the policy.
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
Income Insurance
Who it suits
- Anyone who wants their auto, home and life cover gathered under a single insurer rather than split across providers.
- Seniors, named as an audience on seniors, and households that still want a phone line on phone, email and help centre.
- Pet owners whose animal sits inside the age window and whose yearly vet bills stay under the pet cover limit.
Who should look elsewhere
- Anyone chasing the lowest entry figure on its own: bunq starts at €0, which is the number to weigh before settling on Income Insurance.
- Renters who need contents-only cover, since Good Sam Insurance Agency lists auto, home and renters and that line is missing from auto, home and life.
- Pet owners with older animals or very large veterinary bills, who are better served by a pet-focused insurer than by Income Insurance.
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
Income Insurance
Current offer
Discount code
Up to 20% off + 188,000 STAR$ on Domestic Helper Insurance: up to 20% off + 188,000 STAR$
Promo code GDH188 at checkout for qualifying policies purchased via Income Insurance website or My Income app
Source, checked September 26, 2026
Bonus
Up to 8% cashback on first-year premium for Complete Life Secure: up to 8% cashback on first-year premium
Purchase of an eligible Complete Life Secure plan, with Early Critical Secure rider
Source, checked September 26, 2026
Country by country
| Country | Aviva | Income Insurance |
|---|---|---|
| Singapore | 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.
Income Insurance
How much does cover start at?+
Premiums begin at SGD 0.60. That is the entry figure across Income Insurance products and a starting point rather than a quote for your own situation. The cover you pick and the details you give shape the price you are offered, so read it as the entry point of the range, not the amount you are likely to pay.
Is there an excess to pay on a claim?+
On Happy Tails Pet Insurance, the excess starts at SGD 250. The excess is the part of a claim you cover yourself before the insurer pays the rest. A lower excess is gentler on a routine vet visit, while a higher starting excess keeps the premium smaller. Picture a normal appointment and check that the amount you would pay alone still feels comfortable.
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