I’m up to date on my payments – my next payment is due in 10 days or less

If this option is appropriate for you, then before submitting your request to Aviva, please take time to read the following important information. If you are unsure on any points, then please contact us.


Eligibility criteria

  • This option is only available where the existing terms and conditions of your policy do not allow payments to be missed or deferred. Your policy documents will confirm whether this applies to your policy
  • You are either the Policyholder or one of the joint Policyholders
  • Your policy must have started at least 6 months ago and you must currently have no more than 2 monthly payments outstanding
  • You've not already taken a payment deferral on your policy

You can apply if:

  • Your household finances have been negatively impacted as a result of the Coronavirus. For example, you’ve been made unemployed; are working fewer hours; are self-employed and unable to trade, or to trade at normal levels; and
  • You expect your household finances to recover by the end of the payment deferral period and will be able to make your normal payments and repayments when they become due

You can also apply if you’re acting for a business which holds a policy with Aviva if:

  • The business has been unable to trade at normal levels as a result of Coronavirus; and 
  • You expect the business to be in a position to make normal payments and repayments when they are due after the payment deferral period

Aviva reserves the right to request evidence or make further enquiries on your circumstances before agreeing to your request to defer payments.


Particulars

  • 3 monthly payments only can be deferred. This is not a credit agreement and no interest will be charged
  • Aviva will not consult any credit reference agencies or pass information on to them as part of this request
  • Payments must continue from the 4th month onwards
  • The deferred payments will need to be repaid over a period of 9 months from the 4th month onwards
  • You’ll also have to recommence your regular monthly payment from the 4th month onwards
  • The total of the deferred payments will be divided by 9 and then that amount will be collected monthly
  • You will receive notification of the amount and we’ll confirm how and when we’ll take these
  • If the remaining term on your policy is less than 9 months, then the deferred payments will need to be repaid before the policy ends, along with the regular monthly payments
  • We will stop the collection of the deferred payments if you repay either the total deferred payments or the remaining outstanding balance at any time within the 9 months following the 4th month
  • The benefits provided by the policy will be maintained during the period in which payments are deferred and from the 4th month onwards, provided you continue to make payments when due
  • If you need to make a claim during the period of deferred payments or in the 9 months after, then any outstanding payments or balance of outstanding payments will be deducted from any claim value
  • If you cancel your policy during the period of deferred payments or in the 9 months after, then any outstanding payments or balance of outstanding payments will still be payable to Aviva
  • If you amend your policy during the period of deferred payments or in the 9 months after, then any outstanding payments or balance of outstanding payments will still be payable to Aviva

Processing your request

  • If you have a payment due to come out of your bank account within the next 10 days we may not be able to stop the payment process
  • If we can stop the payment process, we’ll defer this payment
  • If we can’t stop the payment process in time and are unable to collect this payment due to funds not being available, we’ll defer the missed payment
  • If we can’t stop the payment process in time and are able to collect the payment, we’ll defer your next month’s payment
  • Providing you meet the eligibility criteria, confirmation of when future payments will recommence will be sent to you once we have processed your request.  It is very important that you keep our confirmation safe, along with your policy documents
  • If we agree to your request, you may still receive communications from Aviva advising that premiums are outstanding or that your policy has been cancelled.  These are automated letters and, unfortunately, we are unable to stop them being issued
  • Don’t cancel any future payments. During the period of deferral we will not collect any payments from your bank however we require an active Direct Debit Instruction so that we can recommence future payments. When your payments restart, they will be taken on the same date each month using your current payment method
  • We reserve the right to refuse your payment deferral request if you don’t meet the eligibility criteria
  • We can’t reverse a deferral once it’s in place

To proceed, you need to meet the eligibility criteria and confirm on the application form that you agree to the important information on this page, including that your future payments will be increased and collected using your current payment method. If you’re happy to proceed, please use the form below.

Payment deferral application form

If you would like to apply for a payment deferral