Aviva Insurance Limited

PO Box 4 Surrey Street Norwich NR1 3NG
+44 (0)1603 622200
  • About Aviva

    Aviva Insurance Limited is one of the UK’s leading insurance companies, part of the Aviva group with 34 million customers Worldwide. Aviva Insurance has been in the insurance business for more than 300 years.  In UK commercial, the insurance market remains challenging for insurance brokers and customers, due to the ongoing economic conditions. Aviva Insurance are focusing on improving our processes to ensure Aviva provide commercial customers with insurance cover at an acceptable price.  Insurance brokers also recognised our excellent customer service by voting us Insurance Times General Insurer of the Year in 2012, for the second year running.  youTalk-insurance sharing Aviva insurance news and video.

Aviva latest update on the Insurance Distribution Directive


The changes are wide-ranging, affecting sales journeys, product literature and product governance through to training and remuneration disclosure.  It’s also just been proposed by the European Commission to delay the application of IDD to 1 October 2018.  Although at this point the proposal has not yet entered into law so Aviva is following developments closely to understand what this means in practice and will update you further when this becomes clear.

What’s changing?

  • Modifications to the sales journey to obtaining Demands and Needs and playing back a summary at the end of the sales process, consent for online documents, the requirement to offer paper copies of documents and Insurance Product Information Document (IPIDs) to replace the policy summary.
  • Regardless of the potential delay in line with the requirements Aviva can confirm that from February 2018 IPIDs will be provided for all Personal Lines products. You need to issue IPIDs at new business and renewal. You will be able to download these from Aviva Broker or your software house.
  • For Commercial customers Aviva will ensure that all of the information required in a IPID is provided but not necessarily in the same format. The FCA guidance permits this approach.

What are Aviva doing?

  • Aviva’s implementation programme is progressing on the basis of the known and draft regulations, some of which may still differ from the final requirements.  Aviva acknowledge that they may need to adapt what they have implemented once the full rules are announced.
  • Aviva are confident that the actions they are taking will make sure there is no customer detriment resulting from the IDD changes after February 2018 and if a delay is confirmed Aviva will be using the intervening period to make further enhancements.

What do you need to be doing?

Aviva hope that you’re preparing for the changes as timescales are challenging.

They will continue to provide further updates, but in the meantime, if you require further information then visit FCABIBA or EIOPA websites.

Latest video

Aviva: People think insurers don’t pay out on claims

Maurice Tulloch, Aviva, CEO International Insurance:"It's a common myth that insurers don't pay out. The consumer research commissioned by Aviva shows... click here for more