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Aviva review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Aviva pairs a 5.02% fixed-rate savings account with a broad personal insurance book from an insurer regulated in the UK. It suits households that want cover and a fixed deposit from one long-established provider, with life premiums starting at £5 a month.

Key facts

Best for
UK households wanting personal insurance and a fixed-rate savings deal from one insurer.
Premium from
£5↗
Insurance types
Auto, Home, Renters, Landlord, Life, Critical-illness, Income-protection, Health, Travel, Pet, Van, Breakdown↗
Provider type
Insurer↗
Monthly payments
Yes↗
Claims channels
Online, App, Phone↗
Age range
18-77↗
Legal entity
Aviva plc↗
Headquarters
United Kingdom↗
Founded
1696↗
Support channels
Phone, Chat, Help-centre↗
Audience
Seniors
Pricing model
Monthly
Official website
aviva.co.uk

Savings

Headline rate
5.02%↗
Rate type
Fixed↗
Term
60 months↗
Minimum deposit
£1,000↗
Deposit protection
FSCS up to GBP 85,000↗
Access terms
Money locked away for the term; interest paid at the end of the term↗
Monthly fee
£0↗
Account kind
Fixed↗

Facts checked September 26, 2026, 7 sources

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataWikipediacareers.aviva.co.uk

Pros and cons

Pros

  • A 5.02% fixed rate on fixed savings for 60, above the site median of 3%.
  • The savings side carries a monthly fee of £0.
  • Personal insurance spans auto, home and renters, so most household risks sit with one provider.
  • Support covers phone, chat and help centre.

Cons

  • The fixed savings account locks money for 60, with interest paid at the end of the term.
  • The 60 term is longer than the site median of 36, which cuts flexibility.
  • Claims run on online, app and phone, while general support runs on phone, chat and help centre only.
Aviva

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Scored 9.4 / 10 by SumCue.

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Who it suits

  • UK households covering several risk types with one insurer
  • Savers who can leave 60 untouched and want a fixed rate
  • Adults up to 18-77 wanting life and income protection

Who should look elsewhere

  • People who need money on demand, since the fixed savings account locks deposits for 60
  • Readers after an app-led current account rather than a fixed deposit, who would suit bunq at €0
  • Anyone seeking euro-denominated life cover, where Linxea starts at €25 a month

Safety of your money

Aviva is an insurer, so the contract sits with the provider itself. Deposits sit under FSCS up to GBP 85,000, the stated cover for that account. The firm is regulated in the UK and appears on the 185896 register and the 308139. A fixed rate keeps the return predictable across the term.

Who runs it

The provider is Aviva plc, headquartered in the United Kingdom and founded in 1696, giving it a long record in UK personal insurance. Customers reach it on phone, chat and help centre. It is regulated in the UK, listed on the 185896 register and separately on the 308139.

How Aviva compares

Where Aviva is available

Available
United Kingdom
Licence in United Kingdom
Prudential Regulation Authority, regulated by the Financial Conduct Authority and the Prudential Regulation Authority (185896), checked September 26, 2026
Licence in United Kingdom
Financial Conduct Authority (308139), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate does Aviva pay on its fixed-rate savings?+

The fixed account pays a fixed rate of 5.02%. That sits above the site median of 3% and the upper quartile of 4.15%. Interest is paid at the end of the term, not monthly.

How much do I need to deposit, and is there a monthly fee?+

The minimum deposit is £1,000, and the savings account carries a monthly fee of £0. The account kind is fixed, so deposits sit for the full term. Support runs on phone, chat and help centre if the details need checking before you commit.

How long do I have to leave my money?+

The term is 60. The site median term is 36, and 480 is the longest on the site, so this is a longer commitment than the typical listing. Interest is paid at the end of that period.

Are my deposits protected?+

Deposits are covered by FSCS up to GBP 85,000, the stated limit for eligible savings held with the bank. That scheme applies to the fixed cash account rather than to any investment value. Aviva is an insurer that holds the contract with you directly.

What does life insurance from Aviva cost?+

Life cover starts at £5 a month, with the monthly payment model available. The site median starting premium is €8.31, so the entry price sits below the middle of the market. Age range for the cover is 18-77.

What kinds of insurance can I get in one place?+

The book covers auto, home and renters. That means a household can hold auto, home and life policies with the same insurer rather than separate brokers. Monthly payments are available for the life products.

How do I contact Aviva about my account?+

Support runs on phone, chat and help centre, so you can reach the team by phone, chat or the help centre. Claims are handled separately on online, app and phone, which adds an app route alongside online and phone. The Aviva plc entity handles both.

Who regulates Aviva in the UK?+

Aviva is regulated in the UK and appears on the 185896 register, with a separate listing under the 308139. It is an insurer headquartered in the United Kingdom and founded in 1696.

Sources

  • aviva.co.uk checked September 26, 2026

    Backs: Insurance types

    “Car Insurance ... Home Insurance ... Tenants and Renters Insurance ... Landlord Insurance ... Life Insurance ... Critical Illness Cover ... Income protection insurance ... Health insurance ... Travel...”

  • aviva.co.uk/help-and-support checked September 26, 2026

    Backs: Support channels

    “Our chatbot can connect you to the answers and people you need ... instant support around the clock”

  • aviva.co.uk/help-and-support/claims checked September 26, 2026

    Backs: Claims channels

    “We're here when you need us. Select your product to let us know about a claim or incident”

  • aviva.co.uk/insurance/life-products/life-insurance checked September 26, 2026

    Backs: Age range, Audience, Pricing model, Monthly payments, Premium from

    “To apply for cover, you must be aged between 18 and 77”

  • aviva.co.uk/investments/savings-accounts/fixed-rate checked September 26, 2026

    Backs: Access terms, Account kind, Deposit protection, Headline rate, Minimum deposit, Monthly fee, Rate type, Term

    “your money is locked away for a set period ... You'll earn interest and it'll be paid at the end of the fixed term”

  • aviva.co.uk/services/about-our-business/about-us/aviva-co... checked September 26, 2026

    Backs: Provider type, Headquarters, Legal entity, Licences

    “We're a composite insurer made up of separate businesses offering everything from pensions to personal accident cover”

  • aviva.com/about-us/our-customers-and-people-overview/our-... checked September 26, 2026

    Backs: Founded

    “We can trace our heritage back to 1696. Our business began in an age of highwaymen”

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

Aviva

Aviva

UK households wanting personal insurance and a fixed-rate savings deal from one insurer.

9.4/10See alternatives