Updated September 28, 2026 · AssureCue Editorial Team
Aviva vs Porto Seguro
Aviva vs Porto Seguro: the differences
| Compare |  Aviva |  Porto Seguro |
|---|---|---|
| Premium from | £5 | R$19.90 |
| Insurance types | Auto, Home, Renters, Landlord, Life, Critical illness, Income protection, Health, Travel, Pet, Van, Breakdown | Auto, Home, Life, Health, Travel, Pet, Motorcycle, Gadget |
| Claims channels | Online, App, Phone | Mobile app, Whatsapp, Phone, Email |
| Age range | 18-77 | Policy holder over 18 for phone insurance (Seguro Celular) |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- Porto Seguro scores higher overall: 9.5 vs 9.4.
- Insurance types: only Aviva offers Renters, Landlord, Critical illness.
- Insurance types: only Porto Seguro offers Motorcycle, Gadget.
- Claims channels: only Aviva offers Online, App.
- Claims channels: only Porto Seguro offers Mobile app, Whatsapp, Email.
- Support channels: only Porto Seguro 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.
Porto Seguro
Porto Seguro suits Brazilian households and small companies that want a single insurer across car, home, life, health, travel, pet, motorcycle and gadget cover, all on monthly payments. It scores 7.3 overall, and the pricing runs monthly so household budgeting stays predictable.
Score breakdown
| Area | Aviva | Porto Seguro |
|---|---|---|
| Cost | 9.1Life premiums start at £5, below the site median of €8.37, and monthly payments are available. | 9.3HigherStarting premium is BRL 19.90, the site median is €8.37, and Porto ranks 67 of 252 brands on it. |
| Offer | 9.4 | 9.7Higher |
| Trust | 9.6 | 9.6 |
Where they rank in our lists
| Ranking | Aviva | Porto Seguro |
|---|---|---|
| Car insurance | 64 of 393 | 61 of 393 |
| Home insurance | 48 of 272 | 44 of 272 |
| Life insurance | 42 of 261 | 36 of 261 |
| Health insurance | 41 of 215 | 36 of 215 |
| Travel insurance | 75 of 291 | 72 of 291 |
| Pet insurance | 35 of 161 | 32 of 161 |
| Business insurance | 36 of 150 | 34 of 150 |
| Public liability insurance | 14 of 51 | 13 of 51 |
What each covers
| Insurance types | Aviva | Porto Seguro |
|---|---|---|
| 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 |
| Gadget | No | Yes |
Availability and regulation
| Country | Aviva | Porto Seguro |
|---|---|---|
| Brazil | Not confirmed | |
| United Kingdom | Financial Conduct Authority 308139 | Not confirmed |
Additional countries for Aviva: 1. Additional countries for Porto Seguro: 1.
Where these facts come from
Aviva
- aviva.co.uk: 11 facts, checked September 26, 2026
Porto Seguro
- portoseguro.com.br: 10 facts, checked September 26, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | Aviva | Porto Seguro |
|---|---|---|
| Audience | Seniors | Not confirmed |
| Pricing model | Monthly | Monthly |
| Legal entity | Aviva plc | Porto Seguro Cia. de Seguros Gerais |
| Headquarters | United Kingdom | Brazil |
| Founded | Not confirmed | 1945 |
| Support channels | Phone, Chat, Help centre | Phone, Chat, Help centre, EmailCovers more |
Business insurance
| Fact | Aviva | Porto Seguro |
|---|---|---|
| Cover types | Employers liability, Professional indemnity, Public liability | Public liability, Property |
| Industries | vehicles, vans, rental property | transport, agribusiness, events, rental |
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
Porto Seguro
Pros
- A single insurer covers auto, home and life, so a household can keep its personal policies with one provider.
- Claims open through mobile app, whatsapp and phone, which gives more routes into a claim than a phone line alone.
- Support runs on phone, chat and help centre, so policy questions go to a phone line, a chat window, a help centre or email.
Cons
- Business cover stops at public liability and property, so a company after cyber or professional indemnity lines has to look elsewhere.
- Pricing is monthly only, per monthly, so there is no annual route that could bring the cost down.
- Phone insurance is limited to adult policy holders, so a younger person cannot take that policy out in their own name.
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
Porto Seguro
Who it suits
- Households that want auto, home and life from a single Brazilian insurer, and do not need the renters policies Good Sam Insurance Agency lists in auto, home and renters.
- Motorcycle riders and gadget owners: both sit inside auto, home and life, while the list at Good Sam Insurance Agency (auto, home and renters) runs to motorcycle without gadget cover.
- Small companies in transport, agribusiness, events, rental that need public liability and property, lines that sit outside the personal list at Good Sam Insurance Agency (auto, home and renters).
Who should look elsewhere
- Renters, because that cover sits with Good Sam Insurance Agency in auto, home and renters rather than in auto, home and life.
- Readers chasing a free starting premium, since bunq's is €0.
- Businesses after cyber or professional indemnity cover, since public liability and property reaches public liability and property only. A second quote is worth taking, for example from EuroAsia Insurance, whose starting premium is UZS 60,000.
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
Porto Seguro
Current offer
Discount code
Seguro Viagem cupom VIAGEM35: 35% OFF with coupon VIAGEM35 plus 5% OFF paying with Cartão Porto Bank (up to 40% OFF)
Use coupon VIAGEM35 and pay with the Porto Bank credit card; see page conditions
Source, checked September 26, 2026
Discount code
Seguro Auto com ate 15% OFF no cartao Porto Bank: up to 15% OFF on Seguro Auto, payable in up to 12x without interest
Contract online with the Porto Bank credit card
Source, checked September 26, 2026
Discount code
Seguro Celular com ate 10% OFF: 5% for Porto clients plus 5% paying with the Cartão Porto (up to 10% OFF)
5% applies to Porto customers, 5% to payment with the Porto card; see page conditions
Source, checked September 26, 2026
Discount code
Petlove Saude desconto mensal com Cartão Porto Bank: 10% off the monthly fee with the Cartão Porto Bank (2% extra on annual Pix or boleto)
Monthly payment billed to the Cartão Porto Bank; annual option 10% off
Source, checked September 26, 2026
Bonus
Promocao Porto te leva ao GP 26: chance of a pair of tickets to the Formula 1 MSC Cruises Grande Premio de Sao Paulo 2026
Download the App Porto and register; promotion page maisbeneficios.portoseguro.com.br
Source, checked September 26, 2026
Country by country
| Country | Aviva | Porto Seguro |
|---|---|---|
| Brazil | 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.
Porto Seguro
How much does Porto Seguro cost to start?+
Porto Seguro lists a starting premium of BRL 19.90, and monthly payments are available so the cost is spread across the year rather than paid as a lump sum. The listed pricing model is monthly, so budgeting follows a regular cycle. That figure sits at the entry point of the range rather than covering every level of cover.
Is Porto Seguro an insurer or a broker?+
It is an insurer, and the legal entity behind the policies is Porto Seguro Cia. de Seguros Gerais. That distinction matters for readers weighing where money rests, because an insurer holds the premium and carries the risk itself rather than handing it to another provider. Policies are written with the same company that would pay the claim.
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