Firm + product analysis

Aviva Insurance Limited in Insurance

A curated public analysis of Aviva Insurance Limited's published Financial Ombudsman decisions in Insurance, including outcome context, complaint themes, precedent signals, and representative cases.

Page summary

2,669 published FOS decisions involving Aviva Insurance Limited in Insurance, with upheld-rate context, complaint themes, precedent signals, and representative cases.

Published decisions

2,669

Decision volume in this firm-product slice

Upheld rate

33.3%

889 upheld decisions

Latest published decision 02 Feb 2026

Published decisions

2,669

Decision volume in this firm-product slice

Upheld rate

33.3%

889 upheld decisions

Latest active year

2026

5 decisions

Leading complaint theme

Delay In Claim Handling

101 tagged decisions

Aviva Insurance Limited in Insurance

Aviva Insurance Limited appears in 2,669 published decisions in Insurance across this corpus. 33.3% of those decisions were upheld, making this one of the strongest public firm-product slices available for search and research.

The latest year represented in this slice is 2026, with 5 published decisions and an upheld rate of 80.0%.

  • Leading complaint theme: Delay In Claim Handling
  • Leading precedent signal: Disp
  • Advisor risk signal for Insurance: medium

How the slice behaves over time

Aviva Insurance Limited has a multi-year published decision trail in Insurance, which makes it possible to judge whether complaint exposure has been persistent or concentrated into a smaller set of years.

Insurance remains a meaningful part of Aviva Insurance Limited's published complaint exposure, but this page isolates just that one product line instead of blending it with the firm's wider footprint.

  • 2026: 5 decisions, 80.0% upheld
  • 2025: 541 decisions, 31.6% upheld
  • 2024: 445 decisions, 39.8% upheld
  • 2023: 436 decisions, 33.5% upheld
  • 2022: 473 decisions, 35.9% upheld

Themes, precedent context, and handling implications

Delay In Claim Handling is the clearest complaint-theme signal in this firm-product slice, which helps explain what tends to drive published ombudsman decisions here.

The product advisory layer also points to recurring handling implications, including review consumer credit act 1974 precedent (appears in 1.3% of cases), review section 140a cca precedent (appears in 1.1% of cases), review disp precedent (appears in 0.3% of cases), and others.

  • Second complaint theme: Communication Failure

Representative cases

Recent published decisions in this slice

5 examples shown

DRN-581701602 Feb 2026Upheld

Aviva Insurance Limited · Insurance

For the reasons I’ve set out above, it’s my final decision that I uphold this complaint and I require Aviva Insurance Limited to refund the £60 she paid to buy heaters for her tenants. It can require Miss S to show she bought these in the relevant time period.

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DRN-583746302 Feb 2026Not upheld

Aviva Insurance Limited · Insurance

For the reasons I’ve explained above, I don’t uphold Mr and Mrs A’s complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr A and Mrs A to accept or reject my decision before 2 March 2026.

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DRN-611918802 Feb 2026Upheld

Aviva Insurance Limited · Insurance

I’m upholding Mr B’s complaint about Aviva Insurance Limited, and I direct it to put things right in the way I’ve outlined above. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr B to accept or reject my decision before 2 March 2026.

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DRN-595697230 Jan 2026Upheld

Aviva Insurance Limited · Insurance

I’ve decided to uphold this complaint. Aviva Insurance Limited will need to put things right by paying Mr K £250.

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DRN-569096629 Jan 2026Upheld

Aviva Insurance Limited · Insurance

My final decision is that I uphold the complaint and order Aviva Insurance Limited to: • Reassess the claim and either repair the car in line with the July 2025 engineer’s report or declare it a total loss and settle in line with the remaining policy terms. • Refund Mr B £228 for the April 2025 ‘Vehicle health check report’, plus interest at 8% simple per year from the date of payment to the date of settlement.

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