Aviva Canada
Aviva Canada is a property and casualty insurer serving over 2.6 million Canadian customers with auto, home, business, and specialty insurance products distributed through a national broker network and Aviva Direct digital channel. It operates as a wholly owned subsidiary of UK-based Aviva plc.
- Company typePrivate
- Founded1835
- HeadquartersToronto, Canada
- Headcount1,001–5,000
- GTM typeB2B and B2C
- OfferingServices
What Aviva Canada does
Aviva Canada Inc. is a Canadian property and casualty insurance company and a wholly owned subsidiary of UK-based Aviva plc, headquartered in Markham, Ontario. The company serves over 2.6 million customers across Canada through personal lines (auto, home, condo, tenant, cottage, manufactured home, and specialty vehicles), commercial lines (property, casualty, construction, cyber), and specialty products (group home-auto, travel via RBC partnership, home-sharing, ride-sharing, hole-in-one, and prize indemnity). Insurance service revenue reached CAD $6.74 billion in 2025, ranking Aviva Canada third among Canadian P&C insurers behind Intact Financial and Lloyd's, per S&P Global Market Intelligence.
Aviva Canada distributes through a dual-channel model: an extensive licensed broker network supported by a 'Find a Broker' tool and Broker Advantage program, alongside a direct-to-consumer digital channel called Aviva Direct for auto and home quotes. The technology stack centers on the MyAviva self-service portal for policy management, billing, and documents; an online Digital Claims Tool for submission and status notifications; the Aviva Journey usage-based insurance program tied to driving behavior; and an AI-powered fraud detection system that identified a 46% increase in claim fraud in 2024. Sub-brands include Ovation (high-value home), Aviva Journey (UBI), and Aviva Cyber Insurance. Underwriting performance improved in 2025 from rate and underwriting actions, while parent Aviva plc reported group operating profit up 25% to £2.203 billion, providing strong financial backing for continued investment.
The go-to-market combines broker-led advice for complex and commercial risks with digital self-service for standardized personal lines. Distribution is supported by employer group plans, content marketing, and sustainability-driven PR (Net Zero 2040, EV infrastructure programs). The business model is recurring premium-based across diversified customer segments — individual consumers, SMBs, and employer groups — with pricing set via broker quotes or direct online tools subject to provincial regulatory constraints, particularly in Alberta. Aviva Canada acquired RBC General Insurance Co. in 2016 for approximately $405 million to materially scale its Canadian footprint, and continues to invest in product breadth (cyber insurance, EV-specific coverage) and operational modernization (digital claims, AI fraud detection).
Aviva Canada firmographics
Firmographics- Name
- Aviva Canada
- Legal name
- Aviva Insurance Company of Canada
- Website
- https://avivacanada.com
- Company type
- Private
- Founded year
- 1835
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Short description
- Aviva Canada is a property and casualty insurer serving over 2.6 million Canadian customers with auto, home, business, and specialty insurance products distributed through a national broker network and Aviva Direct digital channel. It operates as a wholly owned subsidiary of UK-based Aviva plc.
- Ownership category
- akta.pro rank
Aviva Canada industry classification
Industry- Product category
- Property and Casualty Insurance
- NAICS
- Direct Property and Casualty Insurance Carriers (524126), Direct Insurance (except Life, Health, and Medical) Carriers (52412), Insurance Carriers (5241), Agencies, Brokerages, and Other Insurance Related Activities (5242)
- SIC
- Fire, Marine & Casualty Insurance (6331), Insurance Carriers, Nec (6399)
- akta.pro primary industry
- Product Liability (FSAJADAC)
- akta.pro secondary industries
- Travel & Accident (Non-Life) Insurance (FSAJAMAN), Professional Umbrella / Excess (E&O/D&O Wrap) (FSAJANAH)
Keywords
Where Aviva Canada is headquartered
LocationHeadquarters
- HQ city
- Toronto
- HQ country
- Canada
- HQ region
- North America
Offices1 record
Markets served
Aviva Canada business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Operations, Personnel, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Personal Auto Insurance: Auto insurance products for individual vehicle owners in Canada, covering personal lines with rate and underwriting actions improving performance in 2025.
- Personal Property Insurance: Home, condo, tenant, cottage, and manufactured home insurance products for individual consumers.
- Specialty Vehicle Insurance: ATV, snowmobile, boat, collector car, motorcycle, and RV insurance products.
- Business Insurance: Commercial insurance products including property, casualty, construction insurance, and cyber insurance for businesses.
- Specialty Insurance Products: Group home-auto insurance plans, hole-in-one insurance, prize indemnity, home-sharing insurance, ride-sharing insurance, and travel insurance.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Personal auto and home insurance - quote-based pricing through brokers or Aviva Direct |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
Aviva Canada product offering
Product offeringCore offering
Aviva Canada is a property and casualty insurance company that sells personal lines (auto, home, condo, tenant, cottage, manufactured home, and specialty vehicles), commercial business insurance, and specialty products to Canadian consumers and businesses. Products are distributed primarily through a licensed broker network and direct-to-consumer via the Aviva Direct online channel, with the MyAviva portal supporting self-service policy management and claims.
Product overview
Aviva Canada operates as a multi-product insurance platform offering personal lines (car, home, specialty vehicle), commercial business insurance, and specialized niche products. The core portfolio includes auto insurance (standard, electric vehicle, collector car), home insurance (standard, condo, high-value via Ovation brand, tenant, cottage, manufactured home), lifestyle insurance (ATV, boat, motorcycle, RV), and business insurance. Add-on modules include usage-based savings (Aviva Journey), group employee plans, cyber insurance for households and businesses, home-sharing, ride-sharing, and travel insurance via RBC partnership. MyAviva serves as the customer-facing digital platform for policy management and claims. The offering represents a platform-plus-modules architecture where MyAviva is the unified customer portal overlaying the various insurance product lines.
Differentiator
Problem solved
Functional benefit
Brands
- Ovation: High Value Home Insurance for high-value homes
- Aviva Journey
- Aviva Cyber Insurance
Products and services
- Car Insurance Personal auto insurance coverage for one or more vehicles, providing protection against accidents, liability, and vehicle damage for individual Canadians.
- Electric Vehicle Insurance Specialized insurance coverage designed for electric vehicles, addressing unique needs of EV ownership for individual consumers.
- Home Insurance Insurance protection and damage coverage for homeowners against property loss, structural damage, and related risks.
- Condo Insurance Insurance coverage tailored for condominium owners protecting their unit and personal belongings.
- Ovation High Value Home Insurance Premium insurance product for high-value homes offering enhanced coverage and specialized protection under the Ovation sub-brand.
- Tenant Insurance Insurance coverage for renters protecting personal belongings and liability as a tenant.
- Cottage Insurance Insurance coverage for cottages and cabins protecting seasonal properties and their contents.
- Manufactured Home Insurance Insurance coverage for manufactured and mobile homes protecting the structure and belongings.
- ATV & Snowmobile Insurance Insurance coverage for all-terrain vehicles and snowmobiles.
- Boat Insurance Marine and boat insurance coverage protecting watercraft against damage and liability.
- Collector Car Insurance Specialized insurance for classic and collector vehicles with agreed value coverage.
- Motorcycle Insurance Insurance coverage for motorcycles protecting riders against accidents and theft.
- RV Insurance Insurance for recreational vehicles, motor homes, and trailers.
- Employee Group Plan Group insurance program offering bundled home and auto coverage offered to employees as an employer-sponsored benefit.
- Hole-in-One Insurance Specialty insurance for hole-in-one prizes at golfing events.
- Home-Sharing Insurance Insurance covering risks associated with home-sharing arrangements such as Airbnb hosting.
- Prize Indemnity Insurance Insurance covering prize payouts at promotional events and contests.
- Ride-Sharing Insurance Insurance add-on providing coverage for ride-sharing drivers.
- Travel Insurance by RBC Travel medical and cancellation insurance offered in partnership with RBC Insurance.
- Aviva Cyber Insurance for Household Cyber insurance protecting households from digital risks and cyber vulnerabilities, providing a full range of services to families.
- Aviva Cyber Insurance for Business Comprehensive cyber insurance plan for businesses protecting against cyber threats and data breaches.
- Business Insurance Comprehensive business insurance solutions covering commercial property, liability, construction, and specialized business risks for Canadian businesses.
- Aviva Journey Usage-based car insurance savings program that rewards safe driving with potential discounts based on driving behavior.
Quantifiable outcome
- Improved 2025 personal lines performance through rate and underwriting actions
Companies that use Aviva Canada
Customer profileNamed customers1 record
Segments5 records
Ideal customer profiles5 records
Aviva Canada technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Aviva Canada partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- First Nations' Emergency Services Society of British Columbia (FNESS)coreAviva Canada announced $300,000 in funding for FNESS to launch a structural fire-hardening pilot program designed to reduce wildfire risk in First Nations communities, beginning with the Ashcroft Indian Band. The program targets communities that have completed FireSmart assessments but need assistance implementing mitigation actions, with a focus on strengthening buildings against ember ignition, which accounts for up to 90% of wildfire-related structural losses. The initiative also supports capacity-building through Wildfire Mitigation Specialist training and aims to use local and Indigenous businesses and contractors.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
Aviva Canada competitors and assessment
Company assessmentDirect peers
- The Co-operators: Major Canadian P&C and life insurer offering auto, home, farm, and commercial insurance through a broker-direct hybrid model. Direct competitor across most of Aviva Canada's personal and commercial lines.
- CAA Insurance Company: Ontario-based P&C insurer offering auto and home through CAA membership channel. Competes for similar personal lines customers with a differentiated affinity-group distribution model.
- Allstate Insurance Company of Canada: Canadian subsidiary of Allstate offering personal auto and home through broker network. Direct competitor with similar product mix and broker distribution strategy.
- TD Insurance: Direct-to-consumer P&C arm of TD Bank offering auto and home insurance primarily through TD's retail bank channel. Comparable personal lines product set with different distribution model.
- Desjardins Insurance: Quebec-based mutual insurer with strong P&C presence across Canada. Directly competes in personal auto and home with broker and direct distribution channels.
- belairdirect: Canadian direct-to-consumer auto and home insurer owned by Intact. Competes most directly with Aviva Direct and tests the digital channel thesis in Canadian P&C.
- Intact Financial Corporation: Largest Canadian P&C insurer with $13.04B insurance service revenue in 2025. Most directly comparable competitor with overlapping personal auto, home, and commercial lines distributed through brokers.
- Travelers Canada: Canadian operation of Travelers Companies offering commercial and specialty P&C insurance. Comparable in commercial and construction lines where Aviva Canada also competes.
Broad incumbents
- Lloyd's of London (Canada operations): Specialty and excess insurance market with $7.46B Canadian revenue in 2025. Competes in specialty and high-value lines; ranked immediately ahead of Aviva by insurance service revenue.
Emerging players
- Sonnet Insurance: Digital-first Canadian P&C insurer and Intact subsidiary. A pure-play online challenger testing technology-led distribution against Aviva's hybrid broker-digital model.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
Aviva Canada social profiles
Digital presenceAviva Canada financial estimates
Financial estimateRevenue estimate
Valuation estimate
Aviva Canada leadership team
Management profileNumber of profiles
Profiles4 records
Aviva Canada subsidiaries and ownership
Company hierarchySubsidiaries1 record
Aviva Canada funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Aviva Canada M&A and investment
M&A and investmentM&A2 records
Investments4 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Aviva Canada
What does Aviva Canada do?
Aviva Canada is a property and casualty insurance company that sells personal lines (auto, home, condo, tenant, cottage, manufactured home, and specialty vehicles), commercial business insurance, and specialty products to Canadian consumers and businesses. Products are distributed primarily through a licensed broker network and direct-to-consumer via the Aviva Direct online channel, with the MyAviva portal supporting self-service policy management and claims.
Is Aviva Canada a public or private company?
Aviva Canada is a private company. It is classified as corporate owned and is currently operating.
When was Aviva Canada founded?
Aviva Canada was founded in 1835. It employs 1,001 to 5,000 people.
Where is Aviva Canada based?
Aviva Canada is headquartered in Toronto, Canada, in the North America region.
How does Aviva Canada make money?
Five revenue lines are on record. Personal Auto Insurance is the primary driver. The others are personal Property Insurance, specialty Vehicle Insurance, business Insurance and specialty Insurance Products.
Who are Aviva Canada's main competitors?
Direct peers on record are The Co-operators, CAA Insurance Company, Allstate Insurance Company of Canada, TD Insurance, Desjardins Insurance, belairdirect, Intact Financial Corporation and Travelers Canada. Lloyd's of London (Canada operations) is listed as a broad incumbent. Sonnet Insurance is listed as an emerging player.
Does Aviva Canada have an API?
No public API is recorded for Aviva Canada.
What industry is Aviva Canada in?
Aviva Canada's product category is Property and Casualty Insurance. Its primary akta.pro industry code is FSAJADAC, Product Liability, with a secondary code of FSAJAMAN, Travel & Accident (Non-Life) Insurance. Its NAICS code is 524126 and its SIC code is 6331.