Better Health for All
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Aviva's core insurance products are generally health-neutral, but the company offers various health-related services that provide substantial benefits. For instance, 86% of employees receiving vocational rehabilitation support returned to work, and 92% of claimants off work for mental health treatment returned or were ready to return.
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The company launched Mental Health Pathways Plus, extending corporate mental health cover to include all addictions,
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and offers digital GP access and wellbeing apps. Aviva also funds a Cambridge University project researching depression in young people.
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However, access to some health services is limited to corporate clients or select customers, and only 6% of rehabilitation referrals in 2024 were for neurodiversity.
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Aviva Canada donated $500,000 to the Canadian Red Cross during COVID-19.
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The company shares mental health absence data with relevant boards annually,
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but broader data responsibility is not detailed. Aviva provides mental health awareness training for leaders, with 83% completion,
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and offers a line manager toolkit.
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Mental Health Pathway Plus includes addiction cover,
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and the company offers online support tools and relapse prevention plans.
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Fair Money & Economic Opportunity
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Approximately 40% of Aviva's customers are considered vulnerable.
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Aviva Investors Global Services Limited was fined £17,607,000 by the FCA for systems and controls failings and conflicts of interest between 2005 and 2013, paying £132,000,000 in compensation to eight impacted funds.
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In 2024, Aviva reinvested £32.9 million in community contributions, which represents 2% of its Group adjusted operating profit.
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The company's financial education programs, such as the RAISE app, engaged 1,791 young people in 243 schools in 2024, and MyBnk delivered financial education to 206 young people in 2024, with 79% feeling confident managing money afterward, up from 31%.
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The Aviva Foundation targets local communities in Bristol, Norwich, Perth, and York for employability programs.
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Aviva is working on 'pricing simplicity' for its platform, planning to remove an additional fee for ETFs, acknowledging that current platform pricing is 'not transparent enough' with additional charges.
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Fair Pay & Worker Respect
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Aviva pays all UK colleagues, including on-site contractors, at least the Real Living Wage, covering approximately 72.7% of its global workforce of 22,000.
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The company aims to align this approach across all operations by 2030.
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The CEO to median employee pay ratio for 2024 was 149:1.
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For Aviva PLC in 2022-23, women earned 75p for every £1 earned by men in median hourly pay, representing a 25% median gender pay gap.
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For Aviva Protection UK Limited in 2024, the median hourly pay gap was 11%, and the median bonus pay gap was 20%.
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Employee engagement levels reached an all-time high of 91% in 2024.
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In 2023, a high-risk issue was identified where 32 workers of two Aviva India third-party suppliers were not compensated for mandatory training time; these workers were reimbursed in 2024.
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No reports alleging a breach of human rights, modern slavery, or forced labor were received via the Speak Up service in 2024.
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Aviva became a Living Hours employer in October 2020, providing eligible direct UK employees with a guaranteed minimum contract of 16 hours a week and at least four weeks' notice of shifts.
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All UK colleagues receive competitive health provisions, including Digital GP services and either full Private Medical Benefit or access to physio support and critical illness cover.
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Fair Trade & Ethical Sourcing
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Aviva conducts human rights due diligence every two years.
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No cases of modern slavery were identified in Aviva’s operations or supply chain in 2024, and zero reports alleging a breach of modern slavery or forced labour were received via the Speak Up channel in 2023 and 2024.
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Approximately 45% of suppliers reported using third-party companies to recruit workers, and these suppliers will be invited for a 2025 assessment to understand their responsible recruitment practices.
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A high-risk issue identified in 2023, where 32 workers in India were not compensated for training time, was remediated in 2024 with reimbursements of INR 1500 each.
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26 of 27 corrective action plans from 2024 supplier assessments were successfully closed.
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Standard clauses on human rights and modern slavery are included in contracts with new suppliers in the UK, and 99.9% of registered suppliers in the UK, Canada, and Ireland agreed to abide by Aviva's Code of Behaviour in 2024.
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Honest & Fair Business
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Aviva India was ordered to pay $7.5 million in back taxes and penalties for creating fake invoices and claiming incorrect tax credits between 2017 and 2023.
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Additionally, Aviva Investors was fined £17,607,000 by the FCA for systems and controls failings that led to conflicts of interest and improper allocation of trades between 2005 and 2013, with £132,000,000 in compensation paid to impacted funds.
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The company has a formal 'Speak Up (whistleblowing) Charter' (May 2025 version) that applies globally, with a 24/7 anonymous hotline (EthicsPoint) operated by an independent third party (NAVEX).
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The policy guarantees no retaliation, and a retaliation risk assessment is completed for every report.
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Initial acknowledgement of concerns is provided within 7 days, and Group Investigations must be informed of unethical activity within 2 business days.
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The company has a Financial Crime Business Standard, including a Bribery and Corruption Risk Management Programme based on the UK Bribery Act, which strictly prohibits bribery, corruption, and facilitation payments.
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All employees are required to complete annual anti-corruption training, with further training for high-risk roles.
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Aviva uses independent valuers for Real Estate and Infra Structure Equity assets.
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Kind to Animals
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Aviva, as a financial services company, does not have products requiring cruelty-free certification, does not conduct animal testing, does not have animal husbandry operations, does not use animal-derived inputs, and does not source animal products. Therefore, several KPIs are not applicable. Aviva has a policy to no longer insure companies involved in animal testing, though it will consider companies where animal testing is an incidental non-core activity, used only as a last resort, and where controversial testing is minimized.
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Its Investment Preference Tool allows customers to remove funds containing companies that earn more than 5% of their revenue from industries using animals, including animal testing, factory farming, exhibiting, and breeding animals.
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Aviva has made significant commitments to wildlife conservation, including a £38 million donation to restore 5,200 acres of temperate rainforests in the UK, a £25 million partnership to reverse saltmarsh loss, and a £10 million donation to the Woodland Trust for woodland creation and peat restoration.
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The company also committed to a £100 million investment in nature-based solutions by 2030 and a minimum of £50 million in afforestation and sustainably managed forests in 2021-22.
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Aviva aims to reverse biodiversity loss by 2030.
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Aviva actively engages in public policy, co-signing a letter calling on the Brazilian government to reduce deforestation rates and enforce Brazil’s Forest Code.
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It is a member of the Investor Policy Dialogue on Deforestation (IPDD) and strengthened its voting policy on deforestation in 2022, voting against management at 93 companies due to weak approaches.
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No War, No Weapons
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Aviva's core business does not involve direct arms or defense contracts, resulting in 0% revenue from such activities. The company has an investment policy to divest from companies involved in weapons/arms, with divestment typically completed within 90 days of identifying an excluded issuer.
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This policy includes codified ethical red lines banning investments in companies deriving ≥10% revenue from the manufacture, use, and distribution of controversial weapons such as cluster munitions, landmines, biological/chemical weapons, and certain nuclear weapons programs.
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However, Aviva has approximately £900 million invested in UK defense companies.
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An April 2025 NGO report indicates Aviva's investment in controversial weapons companies, suggesting potential legacy contracts or indirect ties persist despite its policies, and that Aviva cannot demonstrate zero exposure to controversial weapons.
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Planet-Friendly Business
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Aviva's total Scope 1, 2, and 3 emissions, including operational, financed, and sovereign emissions, were 15.5 million tCO₂e in 2024.
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The company has SBTi-validated targets covering operations, supply chain, and investments, including a 90% reduction in absolute Scope 1 and 2 GHG emissions by 2030.
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Aviva achieved 100% operational electricity from renewable sources in 2023 and maintained it in 2024.
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The company aims for zero waste to landfill by 2030, with 5% of waste currently going to landfill.
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Carbon offsets used are validated to the Gold Standard methodology, covering 50% of residual Scope 1 and 2 emissions from 2030.
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By the end of 2024, 51% of suppliers by spend had validated science-based targets, with a short-term goal of 70% by year-end 2025.
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Aviva has a Net Zero target year of 2040.
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The company has been disclosing against TCFD recommendations since 2016 and published its latest Climate Transition Plan in February 2025.
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Aviva has pledged an initial £87 million to partnership projects supporting the restoration of native rainforests, saltmarshes, and grasslands, and has invested £38 million in British Rainforest restoration.
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The company has a formal zero-deforestation policy with a commitment to eliminate commodity-driven deforestation in its portfolios by 2025, and in 2022, 26% of corporate holdings by value were included in deforestation datasets.
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No environmental compliance violations were reported in 2024.
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Aviva is developing its approach to understand how to support a 'Just' transition and has established partnerships with vulnerable communities for climate adaptation, investing £8.7 billion in sustainable assets since 2019.
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Respect for Cultures & Communities
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Aviva has established 17 formal partnerships with various organizations, including those focused on human rights, social value, nature-based solutions, and community support. The company acknowledges its historical involvement in the slave trade through ancestor companies, has apologized, and committed to preventing future occurrences.
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Aviva reinvests 1.9% to 2% of its annual profits into local communities.
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The company invests in cultural preservation through the restoration of Curtain House, a heritage Victorian warehouse, and by protecting landmarks like Hampton Court Palace and Edinburgh Castle from climate change impacts.
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Aviva provides grievance mechanisms through multiple channels, including email, phone, live chat, and an online portal, with a standard resolution time of within 14 days for most grievances.
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The company also has a 'Speak Up' whistleblowing service and a Speak Up Charter with a zero-tolerance approach to retaliation, demonstrating a proactive and rapid response framework for cultural incidents.
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Community organizations are included in steering groups for projects like Curtain House.
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Aviva contributed over £17 million to 8,800 UK local change makers through the Aviva Community Fund since 2015, and the Aviva Foundation provides £2 million in grants.
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Safe & Smart Tech
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Aviva provides annual data privacy and cybersecurity training to all colleagues, with additional training for specialist and high-risk roles.
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Over 20,500 colleagues completed a Gen AI digital learning module, and an Executive Gen AI Development program was introduced for top 300 leaders covering Ethical AI.
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The company has a cryptographic standard for encryption, uses Blue Padlock Encryption or enforced TLS for confidential emails, encrypts data across untrusted networks, and uses full disk encryption on portable media.
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Data loss prevention software monitors external email and web traffic, internet access is restricted to approved categories, and personal webmail and file sharing services are blocked by default.
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Users have rights under UK GDPR to access, rectify, and delete their data, and can manage marketing preferences.
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Multi-factor authentication is used for remote access.
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Critical applications and infrastructure undergo penetration testing annually and after significant changes, with internal vulnerability scans conducted weekly for network equipment and monthly for servers and workstations.
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Aviva's data governance framework is based on eight principles covering the information lifecycle, and personal data collection is limited to what is necessary.
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The company complies with GDPR and UK GDPR obligations, and its entities are authorized and regulated by the Financial Conduct Authority and Prudential Regulation Authority.
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Aviva is collaborating with Calvin Risk to establish standardized adoption criteria and decision-making processes for AI models, including bias detection.
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Zero Waste & Sustainable Products
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Aviva reported a recycling rate of 67% in 2021, an improvement from 64% in 2020.
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The company has implemented several waste reduction initiatives, including reducing operational waste generated from 1,749 tonnes in 2020 to 1,014 tonnes in 2021, and decreasing waste to landfill from 101 tonnes to 39 tonnes in the same period.
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Other initiatives include removing single-use plastic cups and water bottles from UK offices, using compostable cutlery, and donating old office equipment.
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Aviva has a stated goal of achieving zero waste to landfill by 2030.
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The company aims for 70% of its suppliers (by spend) to have validated science-based targets by 2025; by the end of 2024, 51% of suppliers (by spend) had achieved this.
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Aviva also mobilized 47 investors to engage 54 hazardous chemical manufacturers, leading to 3M committing to phase out persistent chemicals by 2025.
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