Updated September 28, 2026 · AssureCue Editorial Team
Aviva vs MoneyHero
What sets them apart
| Compare |  Aviva |  MoneyHero |
|---|---|---|
| Premium from | £5 | HK$89.49 |
| Insurance types | Auto, Home, Renters, Landlord, Life, Critical illness, Income protection, Health, Travel, Pet, Van, BreakdownCovers more | Travel, Auto, Home, Pet, Life, Critical illness, Health |
| Provider type | Insurer | Comparison site |
| Age range | 18-77 | No upper age limit on single-trip travel plans |
| Excess from | Not confirmed | HK$2,500 |
| Cover limit | Not confirmed | HK$1,000,000 overseas medical expenses (Starr 卓悅遊・尊尚保 travel insurance - Nonpareil) |
| Claims channels | Online, App, Phone | Not confirmed |
Same on both: Monthly payments (Yes).
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 8.8.
- Insurance types: only Aviva offers Renters, Landlord, Income protection.
- Support channels: only MoneyHero 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.
MoneyHero
MoneyHero suits Hong Kong residents who want one place to compare quotes across personal insurance lines rather than a single insurer. It is a comparison site, not a risk carrier, and it carries an Insurance Authority (Hong Kong) licence. Travel cover starts at HKD 89.49.
Score breakdown
| Area | Aviva | MoneyHero |
|---|---|---|
| Cost | 9.1HigherLife premiums start at £5, below the site median of €8.37, and monthly payments are available. | 8.7Travel premiums start at HKD 89.49 with an excess of HKD 2,500, against a site median of €8.37. |
| Offer | 9.4 | 9.7Higher |
| Trust | 9.6Higher | 8.3 |
Feature by feature
| Insurance types | Aviva | MoneyHero |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | Yes |
| Renters | Yes | No |
| Life | Yes | Yes |
| Health | Yes | Yes |
| Travel | Yes | Yes |
| Pet | Yes | Yes |
| Van | Yes | No |
| Breakdown | Yes | No |
| Landlord | Yes | No |
| Critical illness | Yes | Yes |
| Income protection | Yes | No |
Positions in our rankings
| Ranking | Aviva | MoneyHero |
|---|---|---|
| Car insurance | 64 of 393 | 27 of 393 |
| Home insurance | 48 of 272 | 24 of 272 |
| Life insurance | 42 of 261 | 17 of 261 |
| Health insurance | 41 of 215 | 20 of 215 |
| Travel insurance | 75 of 291 | 34 of 291 |
| Pet insurance | 35 of 161 | 13 of 161 |
| Critical illness cover | 11 of 65 | 5 of 65 |
What we checked
Aviva
- aviva.co.uk: 11 facts, checked September 26, 2026
MoneyHero
- moneyhero.com.hk: 13 facts, checked September 26, 2026
Every fact side by side
| Fact | Aviva | MoneyHero |
|---|---|---|
| Audience | Seniors | Seniors |
| Pricing model | Monthly | Monthly |
| Legal entity | Aviva plc | MoneyHero Global Limited (registered in Hong Kong, company number 1864714) |
| Headquarters | United Kingdom | Hong Kong |
| Founded | Not confirmed | 2013 |
| Support channels | Phone, Chat, Help centre | Email, Phone, Help centre, ChatCovers more |
Business insurance
| Fact | Aviva | MoneyHero |
|---|---|---|
| Cover types | Employers liability, Professional indemnity, Public liability | Not confirmed |
| 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
MoneyHero
Pros
- Travel premiums start at HKD 89.49 with an excess of HKD 2,500
- Compares travel, auto, home, pet, life, critical illness and health cover across travel, auto and home
- Monthly payments are available, since the monthly payment model applies
Cons
- A comparison site quotes rather than underwrites, so cover terms sit with the insurer you pick
- Ranked 145 of 252 on premium from, so entry pricing is mid market
- The overall score of 2.5 out of ten puts cost at 2.5, well below the top of the table
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
MoneyHero
Who it suits
- Hong Kong households covering several lines at once, from travel to health
- Travellers wanting a single-trip plan with no upper age limit, per No upper age limit on single-trip travel plans
- Seniors shopping for cover, listed in seniors
Who should look elsewhere
- Anyone wanting cover underwritten by one named insurer rather than a quote comparison
- Readers who need motorcycle, renters or landlord lines, which sit outside travel, auto and home
- People who set cover by brand alone and will not read the individual policy terms
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
MoneyHero
Current offer
Bonus
Free HK$1,500 vehicle inspection when buying car insurance: HK$1,500
MoneyHero pays the used-car inspection fee as part of inspection plus insurance bundle; limited time, T&Cs apply
Source, checked September 26, 2026
Discount code
HSBC 單次旅遊萬全保 premium discount with code MH: 68折 (32% off)
Apply to the 單次旅遊萬全保 and enter promo code MH; valid until 2026-11-20
Source, checked September 26, 2026
Discount code
HSBC 單次旅遊萬全保 Friday flash discount with code FLASH: 45折 (55% off)
Purchase the 單次旅遊萬全保 on a Friday and enter promo code FLASH; valid until 2026-11-20
Source, checked September 26, 2026
Country by country
| Country | Aviva | MoneyHero |
|---|---|---|
| Hong Kong | 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.
MoneyHero
What does MoneyHero actually sell?+
MoneyHero is a comparison site, so it puts quotes side by side rather than issuing policies. It lists travel, auto, home, pet, life, critical illness and health cover under travel, auto and home. The contract you end up with is with the insurer the winning quote names.
How much does a MoneyHero policy cost?+
Travel premiums start at HKD 89.49 on the cheapest plan listed, against a site median of €8.37. Excess on that plan starts at HKD 2,500, and most brands sit at or below €29.72. Actual pricing depends on the insurer and the cover chosen.
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