Aviva is cheap than some insurance companies and at the time of buying is a good company. But that is about it. Rest everything else is also cheap. If someone gets stuck with them over a small something they will give you the worst time. A friend of mine was harassed by some team in their company because of a claim. His claim was termed fraudulent. He was threatened legal action. His policy got cancelled. The cherry on the cake was when all his policies with them were cancelled one by one. He stupidly had put all his policies with them. This should be a learning to all. Never put all your policies with one company. It will be like all eggs in a single basket. He got some relief finally at Ombudsman. He came to know that most cases at Ombudsman against an insurance company is Aviva. While he admits he was not careful in giving facts, Aviva's incentive seeking staff blew the thing out of proportion. Just make a small mistake and they will hound you like rabid dogs. Many people on review sites are paid by insurance companies themselves. Insurance companies are not friends of anyone, least Aviva.