How Much Does Aviva Cost in the UK?
Aviva charges an average of around £38 per month for car insurance in the UK. Aviva is the UK's largest insurer by premium income, offering car, home, life, travel, and private medical insurance. As a major composite insurer, Aviva covers a wide range of risks under one brand.
| Product | Typical Monthly Cost | Cover Type |
|---|---|---|
| Car Insurance | £28–£65 | Third party, fire & theft, or comprehensive |
| Home Insurance (Buildings + Contents) | £20–£40 | Buildings, contents, or combined |
| Life Insurance | £10–£50 | Term life, whole of life, or critical illness |
| Travel Insurance | £5–£15 | Single trip or annual multi-trip |
Aviva appears on most price comparison sites, making it easy to compare against other providers. According to the ABI, the average UK motor insurance premium was £635 per year in 2025. Aviva's scale means it can offer competitive rates across multiple product lines, and bundling policies may unlock multi-policy discounts.
For a full comparison of UK insurance providers, see our guide to UK Insurance subscriptions.
Does Aviva Auto-Renew?
Yes, Aviva auto-renews your policies unless you cancel or switch before the renewal date. Under FCA rules, Aviva must send a renewal notice at least 21 days before your policy expires. The notice shows your new premium alongside your previous year's price, making comparison easy.
The FCA's loyalty pricing rules, effective since January 2022, prevent Aviva from charging loyal customers more than equivalent new customers. However, premiums can still rise if your risk profile changes, claims history develops, or market-wide costs increase.
Aviva sends renewal reminders by email and through the Aviva app, giving you time to compare and decide.
How to Cancel Aviva
Cancelling Aviva insurance is straightforward. You can cancel online, by phone, or through the Aviva app.
Step-by-step cancellation
- Log in to your Aviva account at aviva.co.uk
- Navigate to your policy
- Select Cancel Policy or call Aviva on 0800 051 5264
- Confirm the cancellation date and reason
- Aviva calculates any refund or outstanding balance
- Receive cancellation confirmation by email
Within the 14-day cooling-off period, you receive a full refund minus any days of cover used. After this period, Aviva charges a cancellation fee (typically £40–£50) and deducts the premium for cover already provided. Monthly payers may owe outstanding instalments.
For alternative insurers, see our guides to LV= and Admiral.
Is Aviva Worth It in 2026?
Aviva is the UK's largest general insurer with a strong financial rating, meaning claims are very likely to be paid. The breadth of products available makes it convenient for customers who want to consolidate multiple insurance policies.
| Pros | Cons |
|---|---|
| UK's largest insurer — strong financial stability | Cancellation fee up to £50 after cooling-off |
| Wide product range (car, home, life, health) | Some products priced above comparison site cheapest |
| Available on comparison sites for easy quoting | Monthly payments include interest charges |
| Aviva app for policy management and claims | Claims process can involve long hold times |
| Multi-policy discounts available | Life insurance requires medical underwriting |
Aviva's financial strength is a significant advantage — the company has an AA rating from Standard & Poor's, meaning they have strong capacity to meet claims obligations. Always compare your Aviva renewal on GoCompare, CompareTheMarket, or MoneySupermarket. For life insurance specifically, also check LV= and More Than.
Track Your Aviva Subscription with Prunely
Prunely lets you add your Aviva insurance policies to see exactly when each renewal date falls. Set custom reminders 30 days before renewal so you have time to compare quotes and decide whether to stay or switch. Track your insurance spending alongside all your other subscriptions — energy, broadband, streaming, and more — without connecting a bank account. Prunely is free for up to 5 subscriptions.
Frequently Asked Questions
How much does Aviva car insurance cost per month?
Aviva car insurance costs around £38 per month on average, but your actual premium depends on your age, vehicle, location, and claims history. The ABI reports the average UK motor premium at £635 per year. Compare Aviva quotes against other providers on comparison sites before committing.
Is Aviva a good insurance company?
Aviva is the UK's largest general insurer with an AA credit rating from Standard & Poor's. This means strong financial stability and high likelihood of claims being paid. Customer service reviews are generally positive, though some customers report long wait times during busy periods.
Does Aviva automatically renew my insurance?
Yes, Aviva auto-renews all policies unless you actively cancel. FCA rules require a renewal notice at least 21 days before expiry, showing your new premium and last year's price. Under loyalty pricing rules, Aviva cannot charge more at renewal than they would charge an equivalent new customer.
How much does it cost to cancel Aviva insurance?
Cancelling within the 14-day cooling-off period costs only a pro-rata charge for days of cover used. After this period, Aviva typically charges a cancellation fee of £40–£50. You also pay for cover already provided. Time your cancellation to avoid a gap in cover.
Can I get multiple Aviva policies at a discount?
Yes, Aviva offers multi-policy discounts when you hold more than one product with them. Combining car and home insurance, for example, can unlock savings. Check the total cost against individual policies from different providers on comparison sites to ensure the bundle is genuinely cheaper.