Overall rating: 4.5/5
Aviva is one of the UK's largest IP providers, offering flexible short and long-term income protection products with a strong digital platform.
Who is Aviva?
Aviva is one of the UK's leading insurance providers, offering a range of protection products to individuals and businesses. They are authorised and regulated by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (PRA).
Aviva Income Protection — key features
- Competitive premiums for standard occupational classes
- Both short-term and long-term IP available
- Strong digital platform for policy management
- Own occupation definition as standard for professional roles
- Good additional benefits including rehabilitation support
Things to consider
- Short-term policies may not provide sufficient long-term protection
- Some customers report inconsistency in the claims experience
How does Aviva compare?
While Aviva is a strong provider, the best income protection policy for you depends on your age, health, occupation, and financial commitments. We always recommend comparing the whole market — Aviva may or may not be the best option for your specific profile.
Claims performance
Aviva publishes annual claims statistics showing their payout rates. Major UK insurers typically pay out 97–99% of life insurance claims and 90–95% of critical illness claims. Always check the latest published data before buying.
Should I choose Aviva?
Aviva is a reputable, established insurer with a strong track record. However, the right insurer for you depends on your specific circumstances — particularly if you have any health conditions or a non-standard occupation. Use our comparison tool to see how Aviva compares across the whole market.
Frequently Asked Questions
Aviva is one of the UK's most established insurers with strong financial ratings and a good claims payout record. Whether it's the best option for you depends on your age, health, and needs — always compare the full market.
Contact Aviva directly using the claims number on your policy documents. For life insurance claims, your beneficiaries or executor will need to notify the insurer and provide a death certificate and policy details.
Yes — most policies have a 30-day cooling-off period after purchase. After that, you can cancel at any time, though you will lose your cover and any premiums paid will not be refunded.