What Aviva Canada Inc. does

Aviva Canada Inc. is a wholly-owned Canadian subsidiary of UK-listed Aviva plc and the holding company for nine operating subsidiaries including Aviva Insurance Company of Canada, S&Y Insurance Company, and Aviva Agency Services Inc. The company provides personal and commercial property and casualty insurance across Canada, serving over 2.6 million customers with a product portfolio spanning personal auto, home, condo, tenant, cottage, and lifestyle vehicles (motorcycle, RV, ATV, boat, collector car, EV), commercial auto, property and casualty, cyber, surety, financial lines, and global corporate and specialty. Distribution runs through a dual-channel model: a nationwide independent broker network (primary channel for both personal and the sole channel for business insurance) and the Aviva Direct digital and phone channel backed by the MyAviva self-serve portal and a new online digital claims tool.

The underlying technology stack is a digital-first insurance platform combining the MyAviva portal, Aviva Journey telematics-based auto pricing, Aviva Fleet Telematics with dashcam integration, AI-assisted claims handling and fraud detection, generative AI for complaints and quality assurance per the privacy policy, predictive analytics for underwriting and automated renewals, and a drone inspection pilot for commercial risk assessment. Aviva also operates the Aviva Risk Management Solutions (ARMS) ecosystem, integrating more than 25 specialist partners across thermal imaging, IoT water-leak detection, fleet safety, and cybersecurity.

The revenue model is a subscription-recurring premium model on monthly (personal) and annual (commercial) billing cadences, supplemented by broker commissions structured as base rates of 7.0-14.0% on private passenger auto and 15.0-21.5% on personal household and property plus Contingent Profit Commissions tied to volume, growth, and profitability. Pricing is risk-individualized and quote-based through brokers or Aviva Direct. Sub-brands include Ovation (high-value homes), Aviva Journey (telematics savings), Aviva Direct, and ARMS; the company is licensed and operates exclusively in Canada, with auto insurance unavailable in provinces with government-run plans.

Name

Aviva Canada Inc.

Legal name

Aviva Canada Inc.

Website

https://aviva.ca

Company type

Private

Operating status

Operating

Short description

Aviva Canada Inc. provides personal and commercial property and casualty insurance to over 2.6 million customers across Canada via a nationwide broker network, Aviva Direct digital channel, and the MyAviva self-serve portal, as a wholly-owned subsidiary of Aviva plc.

Ownership category

akta.pro rank

Product category

Property & Casualty Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126)

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Commercial Property Insurance (FSAJACAE)

akta.pro secondary industries

Travel & Accident (Non-Life) Insurance (FSAJAMAN), Product Liability (FSAJADAC)

Keywords

• Property and casualty insurance
• Personal auto insurance
• Home and condo insurance
• Commercial business insurance
• Surety and specialty insurance

Headquarters

HQ city

Winnipeg

HQ country

Canada

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: Aviva Canada earns revenue primarily through insurance premiums collected from policyholders across auto, home, business, and specialty insurance lines. The company acts as an agent and also as an insurer through its wholly-owned subsidiaries Aviva Insurance Company of Canada and S&Y Insurance Company.
2. Broker Commissions: Aviva compensates insurance brokers through commission-based arrangements. Standard commissions range from 7.0-14.0% for private passenger automobile and 15.0-21.5% for personal household & property. Contingent Profit Commissions (CPC) are paid based on volume, growth, and profitability.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels6 records

Core offering

Aviva Canada underwrites and distributes personal and commercial property & casualty insurance products in Canada through a national broker network and direct digital channels. The company collects insurance premiums across personal auto, home, condo, tenant, specialty lifestyle, and commercial lines (commercial auto, property & casualty, cyber, surety, financial lines, and global specialty), supported by telematics-based pricing, an AI-assisted digital claims platform, and risk management services for policyholders.

Product overview

Aviva Canada offers a comprehensive insurance platform with multiple product lines across personal and commercial segments. The personal insurance portfolio includes core auto, home, condo, tenant, and specialty products (ATV, boat, motorcycle, RV, cottage, collector car, manufactured home, electric vehicle) along with add-on modules like Aviva Journey (telematics-based savings), cyber insurance, home-sharing, and ride-sharing coverage. The commercial insurance platform encompasses business auto, property & casualty, cyber insurance, financial lines, global specialty, and industry-specific coverage for manufacturing, wholesale, realty, and retail. The Ovation sub-brand serves high-value home customers. Aviva Direct enables direct online purchases while MyAviva provides self-serve portal access. For business risk management, ARMS (Aviva Risk Management Solutions) offers tools and specialist partner network integration. Specialty products include hole-in-one, prize indemnity, travel insurance (via RBC partnership), and surety bonds (contract/commercial and residential).

Differentiator

Problem solved

Functional benefit

Brands

• Ovation: High-value home insurance brand offering specialized coverage for high-value residential properties.
• Aviva Journey
• Aviva Direct
• Aviva Risk Management Solutions (ARMS)

Products and services

• Personal Auto Insurance Car insurance coverage for personal vehicles in Canada, with quote-based pricing by driving record, vehicle type, usage patterns, location, and claims history; available for new drivers, multiple vehicles, and through the Aviva Journey telematics discount program; sold via brokers or Aviva Direct online/telephone.
• Home Insurance Insurance protection and damage coverage for homeowners in Canada, priced by property value, location, construction, coverage limits, claims history, and risk factors; available through brokers or Aviva Direct.
• Condo Insurance Insurance coverage designed specifically for condominium owners in Canada, protecting unit interiors, personal belongings, and liability exposures; sold via brokers or Aviva Direct.
• Tenant Insurance Coverage to protect the belongings and liability of renters and tenants in Canada; sold via brokers or Aviva Direct.
• Cottage Insurance Insurance coverage for cottages and cabins across multiple Canadian provinces, designed for seasonal and recreational properties.
• Ovation High Value Home Insurance Premium insurance product under the Ovation registered sub-brand, specifically designed for high-value homes in Canada; delivered via brokers.
• Electric Vehicle Insurance Insurance coverage tailored for electric vehicles in Canada, aligned with Aviva's Charged for Change EV infrastructure program.
• Motorcycle Insurance Insurance coverage for motorcycles in Canada, sold through brokers and Aviva Direct.
• ATV & Snowmobile Insurance Insurance coverage for all-terrain vehicles and snowmobiles in Canada.
• Boat Insurance Marine and boat insurance coverage for personal watercraft in Canada.
• RV Insurance Insurance coverage for recreational vehicles, motor homes, and trailers in Canada.
• Collector Car Insurance Specialized insurance for classic and collector vehicles in Canada.
• Manufactured Home Insurance Insurance coverage for manufactured and mobile homes in Canada.
• Aviva Journey Telematics Program Usage-based auto insurance savings program that monitors driving behavior via telematics and offers potential premium savings for safer driving; sold alongside personal auto insurance.
• Group Insurance Home and auto insurance plans offered through employer group arrangements in Canada.
• Hole-in-One Insurance Specialty insurance for golf tournament hole-in-one prizes offered to event sponsors and organizers.
• Prize Indemnity Insurance Insurance coverage for promotional prize awards and contests, typically used by advertisers and event organizers.
• Ride-Sharing Insurance Insurance coverage for ride-sharing drivers in Canada, including a Lyft-specific option provided through Aviva's partnership with Lyft.
• Home-Sharing Insurance Add-on coverage for homeowners who share their property through home-sharing platforms.
• Aviva Cyber Insurance for Household Cyber insurance add-on coverage protecting Canadian households from digital risks and cyber vulnerabilities, launched in 2024.
• Travel Insurance by RBC Travel medical and cancellation insurance underwritten by Aviva and distributed through RBC Insurance channel partnership in Canada.
• Commercial Auto Insurance Insurance coverage for commercial vehicles and fleets in Canada, distributed exclusively through insurance brokers.
• Property and Casualty Insurance Business property and casualty insurance coverage for Canadian businesses, distributed exclusively through insurance brokers.
• Aviva Cyber Insurance for Business Comprehensive cyber insurance plan for Canadian businesses protecting against digital risks, launched in 2024 and available for Aviva Enterprise property policyholders.
• Financial Lines (D&O) Expert financial-lines solutions for executive risk, including Directors & Officers (D&O) coverage, for Canadian businesses.
• Global Corporate & Specialty Insurance Insurance coverage for large multinational corporations and specialty risks operating in or from Canada.
• Cross Border Insurance Solution Insurance solution tailored for Canadian businesses operating across the Canada–U.S. border.
• Manufacturing & Wholesaling Insurance Industry-specific commercial insurance for Canadian manufacturing and wholesale businesses.
• Retail Insurance Industry-specific insurance coverage for Canadian retail businesses.
• Realty Insurance Industry-specific insurance coverage for Canadian real estate professionals and realty businesses.
• Contract and Commercial Surety Surety bonds for commercial contracts and business obligations in Canada.
• Residential Surety Surety bonds for residential construction and renovation projects in Canada.
• Aviva Fleet Telematics Telematics-based commercial fleet risk solution combining GPS tracking, dashcam video, and vehicle diagnostics to help reduce risk and lower insurance premiums for commercial fleet customers.
• Aviva Risk Management Solutions (ARMS) Risk management platform providing commercial policyholders with tools, resources, and a specialist partner network (thermal imaging, electrical monitoring, fleet safety, security, water-leak prevention) for loss prevention and risk mitigation.
• Aviva Direct Online Insurance Platform Online platform enabling Canadian consumers to obtain quotes and directly purchase personal auto and home insurance policies without broker intermediation.
• MyAviva Self-Serve Customer Portal Online self-serve portal for Aviva Canada policyholders to view policy details, check billing, make payments, download policy documents, retrieve pink slips, and submit/track digital claims.

Quantifiable outcome

• Trusted by over 2.6 million customers in Canada
• +4 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability7 records

Feature7 records

Partnerships

Six partnerships are on record, tiered minor and core.

• Charged for Change Program RecipientsminorStrategic or Co-development Partner · 1 January 2025Ten recipients awarded funding in 2025 through Aviva Canada's Charged for Change program to deliver EV charging infrastructure projects for local residents and businesses, supporting the transition to electric vehicles.
• RBC (Travel Insurance)minorChannel Partner/ Reseller/ DistributorAviva Canada provides travel insurance products underwritten for distribution through RBC Insurance, including travel medical and cancellation insurance.
• Lyft (Ride-Sharing Insurance)minorChannel Partner/ Reseller/ DistributorAviva Canada offers specialized insurance coverage for Lyft ride-sharing drivers in Canada.
• Aviva plccoreOthersAviva Canada Inc. is a wholly-owned subsidiary of Aviva plc, a major global insurance company headquartered in the UK, providing access to global insurance expertise, capital, and brand heritage.
• Insurance Business CanadaminorOthersAviva Canada has been recognized by Insurance Business Canada with 5-Star Claims and DE&I employer awards, demonstrating broker-partner relationships.
• Équité AssociationminorOthersAviva Canada partners with Équité Association (agency to protect against insurance crime) to prevent and detect insurance fraud.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Emerging players

• Crum & Forster (Travel Insurance / Specialty): Specialty insurer active in Canadian travel and accident insurance. Partial overlap with Aviva's travel insurance line underwritten for RBC distribution.

Direct peers

• RSA Canada (Intact subsidiary): Canadian P&C operations acquired by Intact Financial. Competes in commercial and personal lines via brokers with similar specialty and surety offerings.
• Intact Financial Corporation: Largest Canadian P&C insurer (Intact, belairdirect, BrokerLink). Directly comparable on personal auto, home, and commercial P&C broker distribution across Canada.
• Desjardins General Insurance Group: Quebec-based P&C carrier owned by Desjardins Group. Competes with Aviva across personal and commercial lines, especially in Quebec where Aviva has auto restrictions.
• The Co-operators Group: Canadian P&C mutual offering personal auto, home, commercial, and farm insurance through a broker/agent network. Closely matches Aviva's broker-led distribution model.
• Economical Insurance (Sonnet): Canadian mutual P&C insurer with broker distribution plus Sonnet, a digital direct channel. Comparable dual-channel strategy to Aviva Canada and Aviva Direct.
• TD Insurance (TD Home & Auto): Direct and broker-distributed personal lines insurer within TD Bank Group. Comparable product mix (auto, home, tenant) plus direct-to-consumer channel similar to Aviva Direct.
• Pembridge Insurance / Allstate Canada: Allstate-branded P&C products distributed through brokers in Canada (rebranded as Pembridge). Competes head-to-head with Aviva's broker-distributed personal and commercial lines.

Broad incumbents

• Manulife Financial (Insurance Operations): Large Canadian life-and-health insurer that also offers group P&C benefits. Broader portfolio but overlapping customer base and group home-auto offerings (Manulife/SQL group plans).

Regional players

• SGI Canada: Subsidiary of Saskatchewan Government Insurance competing in other provinces and via Coachman/Insurance One partnerships. Comparable P&C product set, regional overlap with Aviva outside government-run provinces.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/aviva-natural-health-solutions

Compliance11 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries9 records

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about Aviva Canada Inc.