About Aviva

Aviva is the country’s largest insurance company, with over 15 million customers in the UK, as well as 33 million more customers worldwide. It can trace its roots all the way back to 1696 – though its focus has never changed: helping people prepare for whatever life throws at them. As a composite insurer, Aviva offers lots of different insurance and savings products – income protection being one of them.

Aviva income protection policy features

If you buy your income protection through Aviva, your policy is likely to come with the following features:

Back-to-work benefit If you become able to work while making an income protection claim, but can only go back part time (or to a different job with a lower salary), you’ll continue to receive a proportion of your income protection benefit.
Benefit guarantee Your income protection benefit will never fall below £1,500/month – as long as you bought at least that amount when you took out your policy. You normally need to be working a minimum number of hours to qualify for this benefit.
Guaranteed insurability You’d have the opportunity to increase your income protection cover after certain life changes. In an Aegon policy, this includes: getting married or entering a civil partnership; becoming a parent; getting a significant pay rise; and taking out a new mortgage or increasing your existing mortgage.
Hospitalisation benefit Get £100 per night if you are hospitalised for any reason during the waiting period of a claim. This benefit is usually subject to a minimum and maximum number of consecutive nights spent in hospital.
Trauma benefit If you experience trauma, you’ll get paid a lump sum of 6x your monthly benefit or £40,000 – whichever is lower. This usually includes blindness, deafness or the loss of a limb, but it's always best to check your policy’s list.
Waiver of premium Most income protection policies come with this handy add-on that means you won't keep paying your monthly premiums if you're off work for medical reasons. You usually need to be off for a certain amount of time before you can claim this benefit.

Aviva income protection extra policy benefits

Aviva income protection policies often come with a number of extra benefits, outlined below. These features are ‘non-contractual’, meaning they’re not related to the contractual conditions of your own policy, and are often provided by a third party. Everyone is eligible for them – though they’re usually only made available if you buy your Aviva policy through an adviser.

Carer support This service, provided by Workplace Options, offers specialist support for carers, with a range of resources and services available to help cope with the challenges faced.
Get active Access to a range of gym discounts to suit your needs. Available with all Aviva life insurance products.
Mental health counselling Also provided by Workplace Options, this service provides face-to-face or phone-based counselling for you and your family.
Second opinion by Best Doctors® This service entitles you to a second medical opinion from a specialist if you receive a diagnosis. The outcome of the consultation is summarised in a report that can be shared with your GP.
Bupa Anytime HealthLine A 24/7 telephone support service offering advice from a nurse on specific medical conditions or general health and wellbeing.

Aviva income protection claim rate

In 2018, Aviva paid out 87.3% of new income protection claims, amounting to £38.1m. Of the claims not paid out, it was due to not meeting the insurer’s definition of incapacity, excluded conditions, or misrepresentation (i.e. providing inaccurate information during the application process).

Aviva income protection prices

The following prices are based on:

  • Healthy 25-year old male or female office worker
  • £1,500 of level income protection cover
Product Waiting period Non-smoker Smoker
Long-term 13 weeks £23 £32
26 weeks £21 £27
Short-term 13 weeks £9 £12
26 weeks £7 £9
  • Healthy 35-year old male or female office worker
  • £1,500 of level income protection cover
Product Waiting period Non-smoker Smoker
Long-term 13 weeks £33 £45
26 weeks £29 £41
Short-term 13 weeks £13 £17
26 weeks £10 £14

Product: Aviva Income Protection+
Quoted on 6/03/2020

It’s important to make an informed decision when buying income protection – which is where Anorak can help. We scan all the major insurers to match you to the products most suitable for you, based on your unique needs. We give you peace of mind about who to go with (especially if your most suitable policy is from an insurer you’ve not used before).

Good to know: Our recommendations are regulated, completely impartial – and free. And we also have a team of human advisers who can help over the phone, if you prefer.

This review is intended for informative purposes only and does not constitute advice.