Aviva Canada

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).

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

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

• Property casualty insurance
• Personal auto insurance
• Home insurance
• Commercial insurance
• Specialty vehicle insurance

Headquarters

HQ city

Toronto

HQ country

Canada

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Operations, Personnel, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Personal Auto Insurance: Auto insurance products for individual vehicle owners in Canada, covering personal lines with rate and underwriting actions improving performance in 2025.
2. Personal Property Insurance: Home, condo, tenant, cottage, and manufactured home insurance products for individual consumers.
3. Specialty Vehicle Insurance: ATV, snowmobile, boat, collector car, motorcycle, and RV insurance products.
4. Business Insurance: Commercial insurance products including property, casualty, construction insurance, and cyber insurance for businesses.
5. 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

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core 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

Named customers1 record

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

One partnership is on record.

• First Nations' Emergency Services Society of British Columbia (FNESS)coreStrategic or Co-development Partner · 18 June 2026Aviva 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

Direct 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

• Xx.com/avivacanada
• Facebookfacebook.com/avivacanada
• LinkedInlinkedin.com/company/aviva-canada

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A2 records

Investments4 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Aviva Canada