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Recent reviews

Concerned

Concerned

Rated 1 out of 5 stars

Cut-cable claim still unresolved, complaint references confused, and no clear ownership I cannot recommend Aviva based on my current experience with claim 4504082410, concerning accidental damage to concealed solar PV cabling on 13 October 2025 — now over eight months ago. This claim has become a long-running run-around. Aviva refused the claim without arranging a competent solar PV inspection of the concealed under-panel DC cabling. The matter is now again with the Financial Ombudsman Service, and I understand FOS has asked Aviva to provide the claim / business file. After Aviva’s claim handler refused the claim, he told me a new complaint reference had been generated and that I would hear from Aviva Customer Service. However, on 24 June 2026, I received a Customer Service letter giving a different complaint reference, with no clear scope, no named handler, and no proper explanation of what complaint it related to. Because of the legal and complaint confusion, I felt forced to make a short telephone call despite previously requesting written-only communication. I was told by Aviva’s helpline that the claim handler’s new complaint reference had already been “soft closed” and merged into a prior complaint. I was not given a clear written explanation, the surviving complaint reference for the cable claim, the complaint scope, who authorised the closure / merger, or who is actually responsible for handling the complaint. This is not an isolated issue. I have had similar problems with other current FOS complaints arising from Aviva Customer Service final responses, where the scope of the complaint was not properly explained and I was left with more confusion and run-around. I challenged this because it is not good enough. A serious complaint about a refused claim should not be silently closed, merged, or re-routed without telling the policyholder in writing what remains live and what issues are being investigated. Soon after, I received a message indicating that FOS had asked Aviva for the cut-cable file, but Aviva’s position appeared to be that there was no file because the complaint had only just been made. That does not reflect the reality of a claim and complaint history going back many months. I have also sent Aviva Legal a Letter Before Claim and a supplemental addendum raising new issues after the refusal, but I have still not received a substantive response to the added LBC material. After the second legal document was sent, the claim handler wrote that, having seen the photos, he regarded them as new evidence and would look again at his decision. Since then, I have heard nothing substantive. All I have had is silence, unclear complaint references, soft-closure / merger confusion, and holding replies which do not answer the real questions. I cannot recommend Aviva.

Tracy Marlue

Tracy Marlue

Rated 1 out of 5 stars

I had choice warranty for about two months. My first mistake was applying for their supposed benefit plan of paying for 5 yr upfront and I was supposed to to save money. Well, I had a plumbing claim and they couldn’t find anyone for almost a week. Then after complaining, they found this fabric lean that never came and never called. When I called them they kept making excuses. So I complained again to choice warranty for about, after two weeks they found me a professional plumber. They told me I could find my own plumber and I did but choice said they won’t reimburse my claim unless the plumber comes and submits an estimate and waits around for up to 4 hrs, which no plumber will do, so I couldn’t get my plumber because they wouldn’t reimburse me. Then I decided i didn’t want to deal with this unprofessionalism, so I cancelled and now their telling me that I have to pay them for two months of service, $50cancellation fee and all my claims. I asked the salesperson upon purchasing if there’s any fees for cancellation and they said no. So, I’m supposed to pay them for taking two weeks to find a plumber, plus pay the plumbing bill, and a $50 cancellation fee. This is a rip off. Since they have my money upfront, they just took $700 from me. This is an awful service and it’s a lie that this pay upfront is a benefit. BEWARE. I also heard that it is common for Choice warranty to not reimburse claims were you get your own contractor.