Aviva Ireland

What Aviva Ireland does

Aviva Ireland is the Irish operating arm of UK-listed Aviva plc, providing general insurance, life and protection, pensions, investments, and health insurance products to personal and commercial customers across Ireland. The entity structure comprises Aviva Insurance Ireland DAC (general insurance, headquartered in Cherrywood Business Park, Dublin), Aviva Life & Pensions Ireland DAC (life, pensions, and savings, trading also as Friends First following the 2018 acquisition), and Aviva Direct Ireland Limited (direct distribution), all regulated by the Central Bank of Ireland. The product portfolio spans motor insurance (including telematics for inexperienced drivers and electric vehicle cover), home insurance (buildings, contents, landlord, renters, holiday home), travel insurance (underwritten by Chubb), commercial insurance (farm, F&B, engineering, commercial property), life and protection products (term life, mortgage protection from €10/month, income protection, specified illness), group protection for employers, and wealth products (personal pensions, PRSA, ARF, annuity, savings plans, investment bonds). A differentiating offering is the Aviva Driving School operating across all 26 counties, bundling six months of accompanied driver cover with lessons.

The business model is subscription-recurring premium-based across insurance and pensions, with one-time fees for driving lessons. Distribution combines direct-to-consumer online sales via aviva.ie (with a 15% online car insurance discount and €310 minimum premium), a broker network for commercial lines and group protection served through the Aviva Broker Portal, the in-house driving school for learner drivers, and independent financial brokers for pensions and investments. Digital infrastructure includes the MyAviva self-service portal for policy management and Aviva Care (powered by Teladoc Health) for digital GP, second medical opinion, and mental health services bundled with protection products. The group reported Gross Written Premiums of €660m in 2025 (up 13% year-on-year), operating profit of €64m (down from €73m in 2024 due to record storm claims), an underwriting margin of 1.9% (down from 5.2%), and €340m of total claims paid to customers. Recent strategic activity includes the January 2026 launch of a parametric flight delay benefit with Blink Parametric, the extension of a 20-year IRFU/FAI partnership covering Aviva Stadium naming rights, and the scaling of Level Health as a sub-brand health insurer.

Name

Aviva Ireland

Legal name

Aviva Insurance Ireland DAC

Website

https://aviva.ie

Company type

Private

Founded year

2025

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Aviva Ireland is the Irish subsidiary of Aviva plc, providing general insurance, life and protection, pensions, investments, and health insurance products to personal and commercial customers across Ireland through direct, broker, and driving-school channels.

Ownership category

akta.pro rank

Product category

Multi-line Insurance

NAICS

Insurance Carriers (5241), Direct Property and Casualty Insurance Carriers (524126), Direct Life, Health, and Medical Insurance Carriers (52411), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Carriers, Nec (6399), Fire, Marine & Casualty Insurance (6331), Life Insurance (6311), Accident & Health Insurance (6321), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Umbrella Insurance (FSAJAMAK)

akta.pro secondary industries

Whole Life Insurance (FSAIABAA), Level Term Life Insurance (FSAIAAAA)

Keywords

• General insurance
• Life insurance
• Pension products
• Commercial insurance
• Financial protection

Headquarters

HQ city

Dublin

HQ country

Ireland

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. General Insurance Premiums: Gross written premiums of €660m in 2025, up 13% from prior year. Includes motor, home, travel and commercial insurance products. Underwriting margin dropped to 1.9% due to storm-related claims.
2. Life & Protection Products: Life insurance, mortgage protection, income protection, specified illness cover, and group life/income protection for employers.
3. Pensions & Investments: Personal pensions, retirement bonds, PRSAs, approved retirement funds (ARF), annuities, savings plans, and investment bonds.
4. Aviva Driving School: Revenue from driving lessons across all 26 counties in Ireland, bundled with accompanied driver insurance cover.
5. Health Insurance Referrals: Partnership with Level Health for health insurance products, underwritten by Aviva Insurance Ireland DAC.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels7 records

Core offering

Aviva Ireland is a multi-line insurance and financial services provider offering personal and commercial general insurance, life and protection products, pensions, savings and investments, and driving instruction services to customers across Ireland. The company distributes its products through direct online channels, a broker network, and its own driving school, supported by three regulated entities covering general insurance, life and pensions, and direct sales.

Product overview

Aviva Ireland operates as a multi-line insurance and financial services group offering a broad portfolio of products across personal, commercial, and corporate lines. The core offering comprises motor insurance (car insurance with telematics and EV variants), home insurance (buildings, contents, landlord, and renters cover), life and protection products (life insurance, mortgage protection, income protection, and specified illness cover), travel insurance, business/commercial insurance, and health insurance underwritten through its Level Health sub-brand. These are complemented by wealth management products including personal pensions, PRSA, annuities, ARFs, savings plans, and investment bonds. Aviva Ireland also operates a Driving School and provides group protection schemes for employers. Customer engagement is facilitated through the MyAviva self-service portal and a dedicated Broker Portal. Value-added services bundled with protection products include a Digital GP (Aviva Care powered by Teladoc Health), Best Doctors Second Medical Opinion, and Family Care & Bereavement Support. The group also maintains the acquired Friends First brand for legacy pension and investment customers.

Differentiator

Problem solved

Functional benefit

Products and services

• Aviva Car Insurance Motor insurance offering for Irish drivers covering third-party liability, fire and theft, and comprehensive cover, with a telematics (black box) variant for inexperienced drivers and a 15% discount for online purchases.
• Aviva Home Insurance Property insurance covering buildings and contents for Irish homeowners and renters against risks including fire, theft, water damage, and weather-related events.
• Aviva Life Insurance Life cover providing a lump-sum payout on death, available to Irish consumers for family financial protection.
• Aviva Mortgage Protection Insurance Mortgage protection cover starting from €10 per month for Irish homeowners, designed to pay off the outstanding mortgage balance in the event of death.
• Aviva Income Protection Income protection insurance providing a replacement income if the policyholder is unable to work due to illness or injury.
• Aviva Specified Illness Cover Critical illness cover providing a lump-sum payout upon diagnosis of a specified serious illness, available as a standalone or accelerated benefit.
• Aviva Travel Insurance Single-trip and annual multi-trip travel insurance for Irish residents, covering medical expenses, cancellations, and luggage.
• Aviva Business Insurance Commercial insurance products for Irish businesses across sectors including farms, food and beverage, engineering, retail, and commercial property.
• Level Health Insurance Health insurance offering operated under the Level Health sub-brand, providing Irish consumers with private health cover options.
• Aviva Pensions Pension products including Personal Retirement Savings Accounts (PRSAs), Approved Retirement Funds (ARFs), and annuities for Irish retirement savers.
• Aviva Savings and Investments Savings plans and investment bonds designed for Irish consumers seeking long-term financial growth, distributed through financial brokers.
• Aviva Driving School Driving instruction service operating across all 26 counties in Ireland, bundling 6 months of accompanied driver cover with lessons for learner drivers.
• Group Income Protection Employer-sponsored income protection providing replacement income for employees unable to work due to illness or injury.
• Group Life Protection Employer-sponsored life cover providing a lump-sum payout to beneficiaries of employees who die while in service.
• Friends First Legacy life, pension, and investment brand retained under the Aviva Life & Pensions Ireland entity following the Friends First acquisition.

Quantifiable outcome

• 13% growth in gross written premiums to €660m in 2025
• +3 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Six partnerships are on record, tiered core, flagship and minor.

• Blink ParametriccoreTechnology or Integration · 27 January 2026Aviva Insurance Ireland DAC partnered with Blink Parametric to launch a parametric flight delay benefit for group business travel insurance. The feature monitors real-time flight data and automatically provides VIP airport lounge access to insured employees when flights are delayed by two hours or more. Available through Aviva's broker distribution network and Broker Portal.
• Irish Rugby Football Union (IRFU)flagshipGTM or Marketing Partner · 11 November 2025Aviva extended its 20-year partnership with IRFU related to the Lansdowne Road stadium (Aviva Stadium). The strategic renewal includes sponsorship of Irish rugby and stadium naming rights, creating significant brand visibility.
• Football Association of Ireland (FAI)flagshipGTM or Marketing Partner · 11 November 2025Aviva extended its 20-year partnership with FAI in a deal related to Lansdowne Road stadium. Includes sponsorship of Irish football national teams and women's football programs (In Her Boots programme).
• Level HealthcoreStrategic or Co-development PartnerLevel Health is Ireland's newest and fastest growing health insurance provider, backed by Aviva. Health insurance products are underwritten by Aviva Insurance Ireland DAC. Level Health operates as a separate brand with Aviva's backing and regulatory support from Central Bank of Ireland.
• Teladoc HealthcoreTechnology or IntegrationTeladoc Health International provides the technology platform for Aviva Care services including Digital GP, Best Doctors Second Medical Opinion, and mental health support services. The platform includes web portal and mobile app access.
• FoodcloudminorGTM or Marketing PartnerAviva partnership with Foodcloud to reduce food waste, donating surplus food to charity partners.

Scale indicators9 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Irish Life: Irish Life is Ireland's largest life and pensions insurer and a wholly-owned subsidiary of Great-West Lifeco. It is a direct peer across life, pensions, and group protection lines, and notably acquired Aviva Ireland Health, making it both a peer and a historical counterparty.
• FBD Holdings: FBD is an Irish-listed insurer with a strong focus on farming, SME, and personal lines (motor and home). It directly competes with Aviva's commercial and personal general insurance offerings in the Irish market.
• Zurich Insurance Ireland: Zurich operates in Ireland across general insurance, life, and pensions, with similar broker-distributed commercial and personal lines. Directly comparable multi-line carrier competing for the same broker and customer segments.
• Allianz Ireland: Allianz provides general insurance and life/pensions in Ireland with comparable broker and direct distribution. A direct multi-line peer with similar product breadth and global parent backing.
• AXA Ireland: AXA operates in Ireland across motor, home, life, and health insurance with similar direct and broker channels. Directly comparable multi-line competitor backed by a global insurance parent.
• New Ireland Assurance: New Ireland is Bank of Ireland's life, pensions, and investment arm, competing directly with Aviva Life & Pensions Ireland DAC across protection, pensions, and savings products for the Irish retail and group markets.
• Liberty Insurance Ireland: Liberty Insurance is a significant general insurer in Ireland with focus on motor and home, distributed via brokers and direct. Direct peer in Irish personal and commercial lines insurance.
• RSA Insurance Ireland: RSA (now part of Intact Financial) writes personal and commercial lines in Ireland, including motor and property, with a similar broker-driven model. A direct peer in Irish general insurance.

Emerging players

• Chubb Ireland: Chubb underwrites Aviva's travel insurance in Ireland and operates its own specialty and commercial lines. A peer at the travel/specialty layer and a counterparty, but with a different distribution focus.

Others

• BCP Asset Management / Irish Life Investment Managers: Irish Life Investment Managers manages pension and investment assets for Irish schemes and competes for institutional pension mandates. Adjacent peer in the asset management and pension administration value chain that Aviva also serves.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/avivaireland
• YouTubeyoutube.com/user/AvivaIreland
• Facebookfacebook.com/avivaireland
• Instagraminstagram.com/avivaireland

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries3 records

Funding overview

Funding rounds

Investors

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

M&A1 record

Investments1 record

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

Frequently asked questions about Aviva Ireland