Aviva income protection

As the largest UK insurer, Aviva offer an array of financial services, including income protection insurance.

But how does Aviva’s income protection differ from other providers?

In this article we’ll summarise the key aspects of their policies, helping you understand if Aviva are the right provider for you.

Why not use Reassured Advice to compare Aviva’s income protection with other leading providers?

A friendly member of the Reassured Advice team can provide you with personalised, fee-free and no-obligation quotes. The service is FCA-regulated and quotes start from just 20p-a-day.

Keep reading to find out about Aviva’s income protection policies…

Aviva income protection reviews

Aviva are rated well by their customers across all of their products, with a 4.6 star rating on Trustpilot.

Their income protection policies, in particular, are rated 5 star on Defaqto.

Aviva are recognised by the Good Business Charter for good business behaviours across ten key areas, including ethical purchasing and environmental behaviours.

They are also accredited by The Good Shopping Guide, who assess companies on 25 different ethical criteria.

Who are Aviva?

Established in 1696, you may remember Aviva as Norwich Union before their official re-branding in 2009.

Despite operating internationally in 16 different countries, Aviva are the biggest UK insurer, with 15.5 million UK customers.

Aviva are one of the biggest insurance providers in Europe who’re also well-known for their life insurance, as well as insuring homes, cars, retirement and investment solutions and income protection policies.

What is Aviva income protection insurance?

Aviva offer two different protection policies:

  1. Living costs protection
  2. Aviva income protection+

Both policies can replace some of your earnings if you’re unable to work due to illness or injury.

By paying a proportion of your lost earnings monthly, it can help you pay essential bills, other outgoings and leave you focusing on getting better and back to work.

Depending on which policy you take out, this will either be a fixed amount between £500 and £1500 (chosen by you) or a percentage of your usual income (up to 65%).

While there is no specific list of Illnesses and injuries you can claim from, you’ll be covered for any illness or injury which prevents you from working for a prolonged period - except for pre-existing conditions.

This is subject to Aviva’s terms and conditions

Living costs protection

Living costs protection

  • You can choose a benefit amount of between £500 - £1500 per month
  • Deferred period can be 4, 8, 13 or 26 weeks
  • Guaranteed premiums on standard plans
  • A simplified income protection offering
  • Can be taken out through Reassured Advice
Income protection aviva

Aviva income protection+

  • Your benefit amount can be up to 65% of your usual income
  • Deferred period can be 4, 8, 13, 26, 52 or 104 weeks
  • Includes Hospital and Trauma benefit
  • Can increase cover without additional medical underwriting
  • Can be taken out through Reassured Advice

Aviva living costs protection

Aviva’s living costs protection policy is their simplified income protection offering.

Instead of basing your benefit amount on a percentage of your earnings, you’ll instead choose an amount you’d like to be covered for between £500 - £1,500 per month (regardless of your income).

You must be working at least 16 hours per week to be eligible for this policy.

You can choose a term length from 5 - 52 years, but your cover must cease by the age of 71.

You can make multiple claims on the policy with the payments lasting for a maximum of 12 months for each incapacity. This can be made up of either a single 12-month period or a combination of shorter periods, totalling 12 months.

Premiums for living costs protection are dependent on multiple factors. Your premium will be guaranteed every month, unless you change the policy coverage or choose to include global treatment.

The factors that can affect your income protection premiums are:

  • Age
  • Health
  • Occupation
  • Lifestyle
  • Smoking status
  • Cover amount
  • Policy length
  • Deferred period

Get in touch with Reassured Advice to compare Aviva income protection with other leading providers.

Aviva income protection+

Aviva income protection plus is Aviva’s more comprehensive offering. It’s flexible and can be a longer-term solution.

With this policy type you’ll benefit from a greater level of protection (depending on your income), as well as a range of additional policy features.

If you make a successful claim, Aviva will calculate how much you can claim. This is based on how much you’ve earned before tax in the 12 months before you were incapacitated.

Within Aviva income protection plus there are two types of cover:

  • Full cover to term - Benefit could be paid for as long as you’re incapacitated
  • Limited payment term - Benefit could be paid for a maximum of 24 months each time you’re incapacitated

Your maximum amount of cover is calculated from the following:

  • 65% of the first £60,000 you’ve earned
  • 45% of anything earned above £60,000

The maximum benefit cap is £240,000 a year (£20,000 a month).

With this policy, you can choose either guaranteed premiums or reviewable premiums.

Guaranteed premiums mean you'll pay the same premium throughout the policy term.

Reviewable premiums are reviewed every 5 years and are influenced by medical advances, changes to the law and changes in the insurance industry. This means premiums can increase, decrease, or stay the same.

You don’t have to accept the premium increase, but your benefit may be lowered as a result.

Furthermore, you can choose if you’d like fixed increased cover. Fixed increased cover increases your premiums by 4.5% or 7.5% but also increases your benefit by 3% or 5%.

Index linked increasing cover will increase in line with Retail Price Index (RPI) to a maximum of 10%. In return, your premiums will increase 1.5 times of the RPI increase, to a maximum of 15%.

Contact Reassured Advice for your free Aviva income protection quotes.

Arrangements for NHS doctors, surgeons, nurses and midwives

If you work for the NHS as a doctor, surgeon, nurse or midwife, your sick pay entitlement can change in line with your length of service, making it hard to choose a deferred period (this is the period of time that must pass in order for your payments to commence).

Aviva income protection plus has a tailored arrangement for those eligible for the NHS sick pay scheme.

There is a special sick pay arrangement for NHS doctors, surgeons, nurses and midwives when they take out Aviva income protection plus.

If they choose a 52 week deferred period the income protection payments will start as soon as their sick pay stops or reduces regardless of when this happens.


The table below shows how Aviva income protection can work in line with your NHS sick pay schedule:

Continuous NHS ServiceNHS sick pay at full payNHS sick pay at half payPartial benefit from income protection+Full benefit from income protection+
0 - 1 year1 month2 monthsMonths 2 and 3Month 4 onwards
1 - 2 years2 months2 monthsMonths 3 and 4Month 5 onwards
2 - 3 years4 months4 monthsMonths 5 to 8Month 9 onwards
3 - 4 years5 months5 monthsMonths 6 to 10Month 11 onwards
4 - 5 years6 months6 monthsMonths 7 to 12Month 13 onwards
5+ years6 months6 monthsMonths 7 to 12Month 13 onwards

Source: https://www.aviva.co.uk/adviser/documents/view/ip01148c.pdf

NHS staff are also entitled to these additional benefits when taking out Aviva income protection plus:

  • Sabbatical cover/restricted benefit - You can still be covered if you take time off to study, travel or spend time raising your family. If you do need to claim during one of these periods, you would be covered for a maximum of 12 months
  • Overseas cover - You’ll still be covered if you decide to work abroad in certain countries. If you're working outside of the NHS, sick pay cover would no longer apply. Countries that are covered include North America, Australia, France, Germany and Spain
  • No automatic exclusions - As needle-stick injuries are a common occupation hazard for NHS staff, any condition contracted from a needle-stick injury will be included

Why not read our complete income protection for doctors guide for more information? »

Aviva income protection policy conditions

Policy conditions can vary depending on when the policy is taken out. The following terms and conditions are varied:

  • Monthly payment - Your monthly payment will be dependent on your health, age and other related factors which could impact your life expectancy. Fixed premiums will mean your monthly payments are the same However, they may change if you increase or decrease your cover
  • Monthly benefit amount - Depending on your policy, you can receive either between £500 and £1500 per month (with a living costs policy) or a percentage of your salary (with an income protection plus policy, this can be up to 65%). The amount chosen stays the same throughout the term of the policy unless changes are made
  • Policy length - Policies can last anywhere between 5 and 52 years depending on your age. Cover has to cease before you reach 71 years old
  • Deferred period - This is chosen by you and determines when you'll receive your first payment after a successful claim. The lengths are 4, 8, 13 or 26 weeks. You can also select 52 or 104 weeks for Aviva income protection plus.

It’s always best to check the full terms and conditions of a policy when taking out cover so you know exactly what you are (and aren’t) covered for. 

Why not speak to an expert, such as Reassured Advice, to find the best income protection insurance to meet your needs?

Aviva income protection claim statistics

Aviva’s 2021 income protection statistics show that claims affect all genders and ages, with 44 years old being the average age at which a first claim is made.

AgeMale %Female %
Under 4027.4%38.1%
40 and over72.6%61.8%

.

According to statistics for Aviva income protection policies in 2021, the most common claims were:

  • Musculoskeletal - 37%
  • Mental Health - 21.3%
  • Cancer - 11%
  • COVID-19 - 5.9%
  • Heart condition/stroke - 2.2%
  • Other - 22.6%*[1]

*Percentages do not add up to 100% due to rounding

Is Aviva income protection worth having?

Aviva’s income protection is designed to financially support you if you were ill or injured and couldn’t work for a while. It doesn't cover you if you're made redundant or become unemployed.

Think about whether you have enough savings and/or if statutory sick pay to cover your monthly outgoings. Also, see how long your employer would continue paying your income and what benefits you may be entitled too.

If you're self-employed or on a zero-hour contract, you may not have access to certain employee rights, including sick pay. This could leave you in a difficult situation with illnesses and injuries.

If you can't cover your expenditure if something were to happen, it’s worth considering Aviva’s income protection insurance.

They offer multiple policies to meet a range of needs. Their cover is flexible and includes a range of additional benefits to ensure you’re comprehensively covered.

Aviva’s policies can provide you with peace of mind if you worry about how ill health could affect you and your family in the future.

Income protection is designed to pay a monthly sum which may alleviate any anxieties you have about finances; giving you time to focus on your recovery.

If you’re still unsure about whether income protection would be the right policy for you, you could always speak to an expert, like Reassured Advice.

Reassured Advice compare quotes from the whole of the market and provide with all available options which suit your needs.

How long does Aviva income protection last?

Aviva income protection polices can last between 5 and 52 years, but your cover must cease by the time you turn 71.

If your claim is accepted, you'll receive payments until any of the following happens (whichever happens first):

  • You’re no longer incapacitated - Your illness or injury no longer restricts your ability to do your job so you can return to work, or you have received Back to Work Benefits. You can continue your coverage by continuing to pay your premiums
  • You reach the end date of your policy - Once your policy has come to an end, you’ll no longer be eligible to receive benefits
  • You have reached 12 benefit payments or Back to Work Benefit - You can make another claim if you pay your premiums, but you must have been working for 6 months consecutively between claims
  • You’re remanded in custody/given a custodial sentence - If you’re not convicted, you'll be paid all benefits you would have received if not arrested.
  • You pass away

If you don't pay your monthly premiums, your policy will be terminated.

What does Aviva income protection pay out for?

There’s no set list of illnesses or injuries that you’ll be covered for with an Aviva income protection policy.

Providing it’s within Aviva’s terms and conditions, you should be able to claim for any illness or injury which prevents you from working for longer than your deferred period (unless it’s pre-existing).

This can be either a physical or mental health ailment.

This differs to other policies which are available, such as critical illness cover, where a specific list of illnesses is included within your policy and your illness must match the insurers definition.

Regardless of which Aviva income protection policy you take out, you'll not be covered for:

  • Unemployment (this includes redundancy)
  • Pre-existing medical conditions
  • Any illness or injury that occurs due to drug misuse
  • Any self-inflicted illnesses and injuries

Aviva income protection could also cover COVID-19 if you’ve tested positive, fallen seriously ill and are still unable to work after your deferral period.

However, for most, the average recovery time for COVID-19 is 1 - 2 weeks which is likely to be shorter than your deferred period. This would mean you're unable to claim.

As with COVID-19 regulations and medical advances/advances with the virus, this is subject to change.

Always check the terms and conditions of a policy if you’re unsure about what is covered.

Why not contact an expert, like Reassured Advice, to help you understand exactly what you’ll be covered for when taking out income protection?

How much income protection insurance do you need?

How much income protection you need will depend on your personal circumstances.

When taking out income protection, the amount of cover you can secure will be determined by the terms and conditions of the provider.

For Aviva this is either a sum between £500 - £1,500 with a living costs policy or up to 65% of your usual income with income protection plus.

Always consider what your monthly outgoings are and what your future outgoings may be to establish whether the cover you're taking out is sufficient.

Your income protection insurance needs to be able to cover:

  • Rent or mortgage payments
  • Utilities
  • Any large debts
  • Monthly bills
  • Childcare (if applicable)
  • Transportation
  • Day-to-day family living costs
  • Any other monthly expenses you may have

You should also consider your savings and sick pay entitlement. If you receive sick pay from an employer, you may be able to select a longer deferred period.

If you have no savings, are self-employed and/or you do not receive sick pay from an employer, you may require a shorter deferred period so you can start to receive payments as soon as possible.

Inflation can also impact how far your money goes, so you’ll need to make sure you'll still have enough coverage if any of your day-to-day costs increase.

How much Aviva income protection insurance do you need?

Enter your monthly financial commitments to calculate the level of income protection cover you require.

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£723 a month is the average monthly mortgage payment in the UK, with the average monthly rental price coming in at £700.

The majority of our monthly income will go towards rental or mortgage payments.

For this reason, it’s essential to have precautions in place to ensure you could keep up to date with your payments if you weren’t receiving your usual income.

Monthly income protection payments can help to cover this large expense and ensure you can stay in your home.

£
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According to the Money Advice Service, the average household spends £340 a month on household bills.

This includes electricity, gas, TV and broadband.

£
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Childcare costs are on the rise with it now costing £137.69 per week for part-time nursery for a child under the age of two.

That’s over £550 per month - is this an amount you’d be able to keep up with if you were unable to work?

Becoming ill could also result in the need for additional childcare while you attend doctors’ appointments or medical treatment.

£
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The average household in the UK spends around £97 a week on their food shop, totaling £388 a month.

While this may seem like a small amount in comparison to some of the other expenses mentioned, the food shop is often where we try to scrimp and save when we fall on hard times.

Income protection can take care of the cost of your weekly food shop, as well as many other essential costs.

£
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At the beginning of 2020, credit card debt in the UK was at £2.1 billion, with almost 27 million UK residents in some kind of debt.

Becoming unable to work could make it hard to keep up with credit card or loan payments (including car finance or other financed goods).

Failure to keep up with payments could result in additional interest being incurred or late fees issues - resulting in a higher total needing to be paid.

£
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The average spent on public transport each month comes to an average of £94.

This includes the cost of public transport, as well as petrol and diesel vehicles.

While this amount may reduce while you’re unable to work as you won’t need to commute there may be additional spending on public transportation if your illness or injury leaves you unable to drive.

£
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Your total cover estimate

£ 0

Let us find your best quotes.

How do I cancel my Aviva protection policy?

You can cancel your Aviva income protection policy at any time by contacting Aviva directly.

If you cancel within the first 30 days, any premiums you’ve paid will be refunded. If you cancel at any after this time you won’t be eligible for a refund.

Aviva income protection plus is a flexible policy, which means that you can reduce your benefit, cover amount or term length if you’re struggling to pay your premiums.

If you do cancel your policy, cover will cease and you won’t be able to make a claim.

Aviva income protection policy benefits

Aviva income protection polices come with a range of additional benefits.

The benefits offered by Aviva are split into core, additional and optional benefits.

Your core benefit refers to your financial coverage and the additional benefits offered include:

List icon Back to work benefit

If you’re still able to work but need to work restricted hours or have restricted duties, due to illness or injury, Aviva will provide you with a sum of money.

This sum will be dependent on your policy. Living costs protection policies will provide one month’s benefit when you go back to work. 

With Aviva income protection plus, you’ll receive a monthly benefit. However, the amount will be dependent on how many hours you're able to work and your policy’s terms.


List icon Waiver of premium

If you make a successful claim, Aviva will pay your premiums after 13 weeks or at the end of your deferred period - whichever is sooner.

You’ll need to start paying your premiums again when your claim ends.


List icon Life change benefit

This will allow you to increase your cover to meet new circumstances. If your policy is over 6 months old, you’ll be eligible to use the life change benefit and you can use it as many times as you want before the age of 55.

The increase in benefit will be on a new policy and will be for an additional premium. However, you won’t have to answer any additional health and lifestyle questions.

If you have a living costs protection policy, you can increase the benefit by a minimum of £100 per month and no more than either two times your original benefit amount, or £1500 per month combined on living costs policies.

You can use this if your monthly rent or mortgage payments increase or if you change from rent to a mortgage.

For Aviva income protection plus policies, you can increase your benefit by up to 50% of the original benefit or £9000 per year depending on which is lower. You cannot increase it beyond the maximum available for your earnings.

You can use this if you become married or enter a civil partnership, get divorced, became a parent, have an increase in mortgage or rental amount or if you’ve taken out a new mortgage to purchase a property.

You can also use it if your salary has increased by more than 20% since the policies start date. This can increase your benefit payment up to £20,000 a year but can only be done once. You'll not be eligible if you’re self-employed.


List icon Hospital Benefit

Only compatible with Aviva income protection plus policies, this is paid if your incapacity results in you being hospitalised for 6 consecutive nights during your deferred period.

£100 is paid for each night spent in hospital for up to 90 nights during the policy term.


List icon Trauma Benefit

Only compatible with Aviva income protection plus policies, this covers one of six traumatic events in the policy conditions.

A payment of either 6 times the amount of benefit shown in your policy, or £40,000 is given - whichever is less.


You can also pay to add these optional benefits onto your plan:

List icon Fracture cover

If you fracture a bone, you can be paid a lump sum by Aviva. The amount you receive depends on the type of fracture and must be one of the 18 specified fractures in Aviva’s terms and conditions.

This is also subject to a list of events/hobbies that are not covered should the bone be fractured during this time.


List icon Global Treatment

This benefit will provide access to overseas treatment. Your children are covered from birth, up to the age of 18, or 21 if in full time education.

However, if you no longer live in the UK, Channel Islands, the Isle of Man or Gibraltar, you'll no longer be covered

Aviva DigiCare+

With both Aviva living costs protection and Aviva income protection plus, you’ll be able to access health and wellbeing services through Aviva DigiCare+.

All you need is a smartphone and enough space to download the app. The app won’t cost you extra and will include the following services:

BenefitProviderDescription
Annual Health CheckProvided by BupaAn at home blood test that checks for 20 different health markers. It can check liver health, kidney health and if there is a risk of diabetes. You'll also receive a personalised report and advice on any steps you should take
Nutrition SupportProvided by BupaYou can access up to 6 consultations each year, helping to create personalised eating plans and providing advice from qualified nutritionists
Mental Health SupportProvided by BupaYou can have up to 6 sessions a year with a therapist if you’re struggling with your mental health. Each session is one-to-one
Second Medical OpinionProvided by BupaA UK based clinical specialist can provide you with alternative treatment options or answer your questions if you have a medical diagnosis
Bupa Anytime Health LineProvided by BupaHealth advice from a Bupa nurse, provided 24/7 365 days a year. Calls are unlimited
Bereavement SupportProvided by AvivaBereavement counselling, guidance on estate administration and support provided
Digital GPProvided by Square HealthA paid for additional feature - This option provides you, your partner, and any children under 21 in full-time education access to a private doctor on video call. £36 a year provides 3 digital sessions between you and your immediate family. Open 7 days a week, 08:00-20:00

Aviva income protection contact number

Aviva can be contacted via phone or post:

  • Aviva phone number: 0800 433 4513 (phonelines are open 08:00 - 18:00 Monday - Friday)
  • Aviva Address:
    Aviva Customer Relations
    PO Box 3182
    Norwich

Aviva income protection quotes

Why not use the fee-free and FCA-regulated broker service of Reassured Advice to compare Aviva income protection with other top UK providers?

By using Reassured Advice’s whole of market comparison service, you can compare quotes from multiple providers to make sure your chosen policy meets your needs and is at a price within your budget.

Quotes start from 20p-a-day, are personalised and are completely without obligation.

Seize the day and get in touch for your fee-free quotes.

Sources:

[1] https://www.aviva.co.uk/adviser/documents/view/pt151147-2020_individual_protection_claims_report.pdf

Disclaimer: All information gathered sourced directly from Aviva and is correct as at 26/05/2022. Aviva policies are subject to change at any time by the provider

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