How to Cancel Aviva Insurance
Aviva allows cancellation by phone or through your online account for some policies. Cancellation fees and refund amounts depend on how far through the policy term you are.
Steps verified March 2026
Quick Facts
Cancel online?
No — phone/letter required
Pause option?
No
Refund policy
Within the 14-day cooling-off period: full refund minus days of cover used. After that: pro-rata refund minus a cancellation fee (typically around 50 pounds).
After cancellation
Aviva retains your policy records and claims history. This may affect future insurance quotes with any provider.
What to Watch Out For
- Phone agents are trained to offer alternative products rather than process cancellations
- The phone number to cancel is different from the general customer service number, adding friction
Cancellation Steps
Go directly to Aviva Insurance cancellation pageReview your policy terms
Check your policy documents for cancellation terms, notice period, and any fees.
Log in to MyAviva
Go to aviva.co.uk and log in to your MyAviva account, or call 0800 051 7036.
Request cancellation
Navigate to your policy and select "Cancel policy", or tell the phone agent you wish to cancel.
Confirm details
Provide a cancellation date (can be immediate or at renewal). Note any refund or fee amount.
Tips & Things to Know
- Cancelling within 14 days of purchase (cooling-off period) usually gives a full refund.
- Mid-term cancellation may incur an admin fee (typically around 50 pounds).
- Ensure you have replacement cover in place before cancelling.
Your Consumer Rights
- Under the Insurance Conduct of Business Sourcebook (ICOBS), you have a 14-day cooling-off period for all insurance policies.
- Cancellation fees must be fair and proportionate under the Consumer Rights Act 2015.
Frequently Asked Questions
Can I cancel Aviva Insurance at any time?
Yes. You can cancel mid-term, but cancellation fees and charges for time on cover apply outside the 14-day cooling-off period.
Will I get a refund from Aviva?
Within 14 days: full refund minus days used. After that: pro-rata refund minus an admin fee of around 50 pounds.
What happens to my Aviva data after cancellation?
Your claims history is retained and shared with the Claims and Underwriting Exchange (CUE) database for 6 years.
How long does Aviva cancellation take?
The phone call takes 10-15 minutes. Cancellation can be immediate or set for the renewal date.
Do I need replacement insurance before cancelling Aviva?
Yes. If you cancel car or home insurance, ensure you have replacement cover in place to avoid being uninsured, which is illegal for motor insurance.