Proposed transfer of Aviva Protection UK Limited policies to Aviva Life & Pensions UK Limited

We're proposing to transfer the business of Aviva Protection UK Limited including the policies, to Aviva Life & Pensions UK Limited on 31 December 2025. Both Aviva Protection UK Limited and Aviva Life & Pensions UK Limited are part of the Aviva Group. 

To ensure your clients' interests are protected we must follow a strict legal process called a Part VII Transfer. A Part VII Transfer in the UK and an insurance business transfer scheme in each of Jersey and the Bailiwick of Guernsey (Guernsey). These processes include steps designed to help protect transferring policyholders by:

• communicating with your clients (and other key stakeholders) by writing to them, and publishing notifications in the press and on our website
• providing your clients the opportunity to consider the proposed transfer and raise any questions or concerns they may have
• seeking approval from the High Court of Justice of England and Wales (the High Court) to the proposed transfer and
• providing your clients with the right to raise an objection and be heard by the High Court, if they consider they may be adversely affected, by the proposed transfer
• obtaining the opinion of an Independent Expert to understand the likely impact of the proposed transfer on policyholders
• providing the opportunity for the Prudential Regulation Authority (the PRA) and the Financial Conduct Authority (the FCA) to consider the proposed transfer and report their views to the High Court. 
• for your clients resident in Guernsey, seeking approval from the Royal Court of Guernsey (the Guernsey Court) to the proposed transfer, providing your clients the right to raise an objection and be heard by the Guernsey Court if they consider they may be adversely affected by the proposed transfer, and providing the opportunity for the Guernsey Financial Services Commission (the GFSC) to consider the proposed transfer and report their views to the Guernsey Court
• for business carried on in or from within Jersey, seeking approval from the Royal Court of Jersey (the Jersey Court) to the proposed transfer, providing your clients the right to raise an objection and be heard by the Jersey Court if they consider they may be adversely affected by the proposed transfer, and providing the opportunity for the Jersey Financial Services Commission (the JFSC) to consider the proposed transfer and report their views to the Jersey Court.

Further detail of the legal process can be found in section 5. Details on how to contact us if you have a question or wish to object are covered in section 6.

We are proposing this transfer to help us operate in the most efficient way for our customers and stakeholders.

We’ve had the first hearing at the High Court in London, and this has given us permission to send you information about the proposed transfer.  

The final hearing will take place at the High Court at the Rolls Building, 7 Rolls Buildings, Fetter Lane, London, EC4A 1NL and is expected to take place on 26 November 2025. Your clients can attend the High Court hearing in person. We will update details on this webpage when confirmed. If your clients have an objection this can be raised, at the final High Court hearing. Alternatively, a representative can present their objection on their behalf. However, they do not need to attend the High Court hearing to object to the proposed transfer, see section 6 on how to object.

For your clients resident in Guernsey, we will make an application to the Guernsey Court under the Insurance Business (Bailiwick of Guernsey) Law, 2002, as amended (the Guernsey Scheme). The hearing in the Guernsey Court will take place at the Royal Court of Guernsey, The Royal Court House, St Peter Port, GY1 2NZ and is expected to take place at 9:30am on 5 December 2025. If your clients have an objection they would like to raise, they can raise this at the Guernsey Court hearing in person. A legal representative can also present your client's objection on their behalf. However, you do not need to attend the Guernsey Court hearing to object to the proposed transfer (see section 6 on how to object).

For business carried on in or from within Jersey, we've made an application to the Jersey Court under the Insurance Business (Jersey) Law 1996 (the Jersey Scheme). The final hearing in the Jersey Court will take place at the Royal Court of Jersey, Royal Court House, Royal Square, St Helier, Jersey JE1 1BA and is expected to take place at 9am on 2 December 2025. If your clients have an objection they would like to raise, they can raise this at the final Jersey Court hearing in person. A legal representative can also present your client's objection on their behalf.  They can also make written representations direct to the Jersey Court. Your clients can send letters to: The Royal Court of Jersey, Royal Court House, Royal Square, St Helier, Jersey JE1 1BA including Aviva Transfer as a reference. Please make sure they also send a copy to us using these contact details. However, they do not need to attend the Jersey Court hearing to object to the proposed transfer see section 6 on how your clients can object).

If approved, we expect the proposed transfer will come into effect on 31 December 2025, your client’s insurer will become Aviva Life & Pensions UK Limited and they will administer their policy. 

We haven’t written to your clients about the proposed transfer as their policy is not transferring and we do not expect the proposed transfer to impact them. The proposed transfer won’t change their policy conditions, policy benefits, or payments – they’ll all stay the same. The Independent Expert has concluded that the implementation of the proposed transfer will have no material adverse effect on the security of policyholder benefits or the service standards they receive. Find out more about the Independent Expert here.

Your clients have the right to raise an objection if you have concerns about the proposed transfer and believe they may be adversely affected by it. See section 6 for what adversely affected means. We will share all objections with the Independent Expert, the PRA, the FCA, and the High Court. The High Court will take all objections into consideration when reaching its decision.  

If your clients have any questions or think they may be adversely affected and wish to object to the proposed transfer, please can they let us know about any concerns or objections they’d like to raise as soon as possible, ideally by 19 November 2025 to give us time to respond to you and provide them with instructions, if they wish to attend the Court hearing. They can write to us Aviva Part VII, Wellington Row, York, YO90 1WR, call us on 0800 158 4048 or if they are overseas call +44 1603 603 866. If calling from overseas, charges may apply. If your clients prefer to arrange a call back at a convenient time, they can email us at partvii@aviva.com. Your clients can also email us at partvii@.aviva.com

Your clients can attend the High Court, and if relevant, the Guernsey Court and Jersey Court if they wish.

Your clients can still object up until the final hearing date 26 November 2025. After the Court hearings we will let you know the outcome on this webpage. See section 6 for more on how to object.

We encourage your clients to read their letter or email along with the Transfer Guide and familiarise themselves with the proposed transfer. They don’t need to do anything unless they are unsure of the proposed transfer, if they have any questions or if they feel they are adversely affected and want to object, see section 6 on how to do this. Your clients’ policy details won’t change and there’ll be no change to their policy conditions, policy benefits, or payments – they’ll all stay the same. In the instance your clients have provided your contact details, you will receive the communications on their behalf. Please inform your client of the proposed transfer.

Your clients’ policies are safe, and they won’t lose any benefits.

Apart from the change to the provider of your clients’ policies to Aviva Life & Pensions UK Limited, there won’t be any change to the terms and conditions, policy benefits or payments of their policies as a result of the proposed transfer.  

An Independent Expert, Oliver Gillespie of Milliman LLP, has been appointed as part of the process to review the likely effect of the proposed transfer on policyholders and has prepared a report on it. The Independent Expert has concluded that the implementation of the proposed transfer will have no adverse effect on the security of policyholder benefits or the service standards they receive.

You can read a summary of his report here and read the full report here or by requesting a paper copy by contacting us, by calling 0800 158 4048, or if overseas +44 1603 603 866. If calling from overseas you may be charged. If you’d prefer to arrange a call back at a time convenient to you, please email us at partvii@aviva.com. Write to us, Aviva Part VII, Wellington Row, York, YO90 1WR or email us partvii@aviva.com

Your clients have the opportunity to consider the proposed transfer and raise any concerns. If your client has any questions, concerns, or objections, they can contact us, please see section 6 how to object. Your clients have the right to raise an objection and be heard by the High Court, if your clients consider they may be adversely affected by the proposed transfer.

No. The costs and expenses of the proposed transfer will be paid by Aviva Life & Pensions UK Limited. Neither you nor your clients will incur any costs relating to the transfer.

You should read the email we’ve sent, along with the Transfer Guide. In the instance your clients have provided your contact details as their preferred route for communications, you will receive the communications on their behalf. Please inform your client of the proposed transfer. If you or your clients haven’t received a letter or email, please see question below. Please encourage your clients to read these and make sure anyone interested in your clients’ policies also reads this information.

If your clients feel they would be adversely affected by the proposed transfer, they have the right to object and be heard by the High Court. If your client is a Guernsey resident policyholder and they feel that they will be adversely affected by the proposed transfer, they have the right to object and be heard by the Guernsey Court, and if your client's policy forms part of the business carried on in or from within Jersey and they consider they may be adversely affected by the proposed transfer, they have the right to object and be heard by the Jersey Court.

Your clients can object to the proposed transfer by letting us know the reason(s) for their objection, or why they may feel adversely impacted. They can object to the proposed transfer by contacting us by calling 0800 158 4048 or, if overseas +44 1603 603 866. If calling from overseas they may be charged. If they’d prefer to arrange a call back at a time convenient to them they can email us at partvii@aviva.com. They can also email us partvii@.aviva.com or write to us Aviva Part VII, Wellington Row, York, YO90 1WR.

Further information regarding objections can be found in section 6. If they want to raise an objection, please encourage them to let us know about any concerns or objections they’d like to raise as soon as possible, ideally by 19 November 2025 to give us time to respond to your client and provide them with instructions, if they wish to attend the Court hearing.

If they’re happy with the proposed transfer, they don’t need to do anything. We recommend that they keep the Transfer Guide so they can refer to it and read it again if they need to.

If your client has a general query or needs to make a claim they can use their usual contact details. 

If your clients are transferring policyholders from Aviva Protection UK Limited (formerly AIG Life Limited) and they or you haven't had a letter or email from us about the proposed transfer, please let us know by calling 0800 158 4048 or if overseas +44 1603 603 866. If calling from overseas charges may apply. If you’d prefer to arrange a call back at a time convenient to you, please email us at partvii@aviva.com. You can also email us at partvii@aviva.com or write to us, Aviva Part VII, Wellington Row, York, YO90 1WR. 

No, your clients’ policy will only transfer if the proposed transfer is approved by the Court. Further detail of this process is provided in section 5.  

In February 2025 we wrote to you about your clients’ policy, to let you know that their insurer, AIG Life Limited, had been bought by the Aviva Group and changed its name to Aviva Protection UK Limited. We said that we would be in touch in relation to the proposed transfer of their policy to Aviva Life & Pensions UK Limited. We’re now letting you know what this transfer means for them. 

We don’t expect the service levels your clients currently enjoy to be negatively impacted by the proposed transfer. The Independent Expert has reviewed the impact on service levels and concluded that the implementation of the proposed transfer will have no adverse effect on the security of policyholder benefits or the service standards they receive.

Your clients can continue to access and use support services, such as Aviva Smart Health, in the usual way. As this is a non-contractual benefit this can be changed or withdrawn at any time. 

Yes, they’ll continue to be protected by the FSCS after the proposed transfer is implemented. There will be no change to their access to FSCS protection because of the proposed transfer.

If you or your clients have a general complaint regarding the policy, you or they can contact the Financial Ombudsman Service as required. If your client has a complaint or objection about the proposed transfer, they should contact us instead of the Ombudsman as this is a legal process which is not part of the Ombudsman’s responsibility.

If the proposed transfer goes ahead, they will still be able to refer any complaints to the Financial Ombudsman Service in the UK, including complaints arising as a result of events which took place prior to the transfer. If they have an ongoing complaint with the Financial Ombudsman Service in the UK when the transfer takes place, the transfer will not affect their complaint.

Throughout this process we’ll consult with our regulators, the Prudential Regulation Authority (“PRA”) and the Financial Conduct Authority (“FCA”) about the proposed transfer. They will both ordinarily provide the High Court with reports containing their views on the transfer and whether or not they object to it. We'll also consult with the GFSC in respect of policyholders resident in Guernsey and the JFSC in respect of business carried on in or from within Jersey.

At the final hearing which is expected to take place on 26 November 2025, the High Court will review the evidence presented to it and consider whether it is appropriate to approve the proposed transfer. The High Court will allocate time to hear any objections or concerns put forward by affected policyholders or any other persons who believe they would be adversely affected by the proposed transfer.

After the High Court hearing, we’ll announce the High Court’s decision on this webpage.

The High Court hearing will take place at the Rolls Building, 7 Rolls Buildings, Fetter Lane, London EC4A 1NL and is expected to take place on 26 November 2025. We will update this webpage if this date changes. We will also notify anyone who has raised an objection or has told us they intend to attend the High Court hearing about any change in date.

If approved by the High Court, we expect the proposed transfer will come into effect at 23:59 on 31 December 2025. Please note this date or time would only change for a material reason (e.g. operational failure). We will update this webpage, if we experience any changes to dates.

Yes, your clients can attend the High Court hearing in person. We will update this webpage with details on this. If they have an objection they would like to raise, this can be raised at the final High Court hearing. A representative can present their objection on your clients’ behalf. However, you do not need to attend the High Court hearing to object to the proposed transfer. 

The proposed transfer will not go ahead, and your clients’ policies will stay with Aviva Protection UK Limited. 

Yes, unless your client is a Guernsey resident policyholder, or their policy forms part of the business carried on in or from within Jersey.

If your clients are resident in Guernsey, their policy will be subject to the Guernsey insurance business transfer scheme, which requires approval from the Guernsey Court.

The Guernsey Court hearing will take place at the Royal Court of Guernsey, The Royal Court House, St Peter Port, GY1 2NZ and is expected to take place at 9:30am on 5 December 2025. We will update this webpage if this date changes. We will also notify anyone who has raised an objection or has told us they intend to attend the Guernsey Court hearing about any change in date.

If approved by the High Court and the Guernsey Court, we expect the proposed transfer will come into effect at 23:59 on 31 December 2025.

Your clients can attend the Guernsey Court hearing in person or through a legal representative. If they have an objection they would like to raise, they or a legal representative can raise this at the Guernsey Court hearing. However, they do not need to attend the Guernsey Court hearing to object to the proposed transfer.

If the Guernsey Court does not approve the proposed transfer, then the policies of Guernsey resident policyholders will not transfer, and your clients’ policy will stay with Aviva Protection UK Limited.

If your clients’ policy forms part of the business carried on in or from within Jersey, your clients’ policy will transfer under the Jersey insurance business transfer scheme, which requires approval from the Jersey Court.

The Jersey Court hearing will take place at the Royal Court of Jersey, Royal Court House, Royal Square, St Helier, Jersey JE1 1BA and is expected to take place at 9am on 2 December 2025. We will update this webpage if this date changes. We will also notify anyone who has raised an objection or has told us they intend to attend the Jersey Court hearing about any change in date.

If approved by the High Court and the Jersey Court, we expect the proposed transfer will come into effect at 23:59 on 31 December 2025.

Your clients can attend the Jersey Court hearing in person or through a legal representative. If they have an objection they would like to raise, they or a legal representative can raise this at the final Jersey Court hearing. They can also make written representations direct to the Jersey Court. Your clients can send their letter to: The Royal Court of Jersey, Royal Court House, Royal Square, St Helier, Jersey JE1 1BA including Aviva Transfer as a reference. Please can they also send a copy to us using our contact details. However, your clients do not need to attend the Jersey Court hearing to object to the proposed transfer.

If the Jersey Court does not approve the proposed transfer, then the business carried on in or from within Jersey will not transfer and their policy will stay with Aviva Protection UK Limited. 

The legal process we’re following doesn’t allow for customers to opt out of the proposed transfer. However, as explained in section 1, your clients are protected by a rigorous legal process and have the right to object to the proposed transfer if they feel they may be adversely affected by it.

No – the proposed transfer is subject to the approval of the High Court and is not subject to a vote of policyholders, shareholders, or any other interested person.

However, if your clients feel they may be adversely affected by the proposed transfer, they have the right to make an objection, the full details of which are set out in section 6

Your clients have the right to raise an objection if they have concerns about the proposed transfer and believe they may be adversely affected by it. We will share all objections with the Independent Expert, the PRA, the FCA, and the High Court. The High Court will take all objections into consideration when reaching its decision. If your client’s objection relates to the Guernsey Scheme, we will also share their objection with the GFSC and the Guernsey Court. If your client’s objection relates to the Jersey Scheme, we will also share their objection with the JFSC and the Jersey Court.

Your clients can object to the proposed transfer by contacting us by calling 0800 158 4048 or, if overseas +44 1603 603 866. If calling from overseas they may be charged. If they’d prefer to arrange a call back at a time convenient for them, they can email us at partvii@aviva.com. They can also email us at partvii@aviva.com or write to us, Aviva Part VII, Aviva Wellington Row, York, YO90 1WR.

They can also raise an objection at the final High Court hearing, or a representative can present an objection on their behalf.

If your client is a Guernsey resident policyholder and believe that they will be adversely affected by the proposed transfer, they have the right to raise an objection at the Guernsey Court hearing, or a legal representative can present an objection on their behalf.

If your client’s policy forms part of the business carried on in or from within Jersey and they consider they may be adversely affected by the proposed transfer, they have the right to raise an objection at the final Jersey Court hearing, or a legal representative can present an objection on their behalf. They can also make written representations direct to the Jersey Court. Please can your clients send their letter to: The Royal Court of Jersey, Royal Court House, Royal Square, St Helier, Jersey JE1 1BA including Aviva Transfer as a reference. Please can they also send a copy to us using our contact details.

Please let us know about any concerns or objections they’d like to raise as soon as possible, ideally by 19 November 2025 to give us time to respond to them and provide them with instructions, if they wish to attend the Court hearing.

They can still object up to the High Court final hearing date on 26 November. In Jersey, up to the final Jersey Court hearing date on 2 December and in Guernsey, up to the Guernsey Court hearing date on 5 December 2025. After each Court hearing we will let you know the outcomes on this webpage.

 We will update this webpage if any of the Court dates change. We will also notify anyone who has raised an objection or has told us they intend to attend any Court hearing about any change in date.

Please get in touch with us by:

• Freephone 0800 158 4048 or if overseas +44 1603 603 866. If calling from overseas clients may be charged. If they’d prefer to arrange a call back at a time convenient to them they can email us at partvii@aviva.com and arrange a call back at a time convenient for them. Lines open 8am-6pm Monday-Friday. Closed England Bank Holidays. Calls may be monitored and or recorded.
• Email us at:  partvii@aviva.com
• Write to us at:  Aviva Part VII, Wellington Row, York, YO90 1WR.
• Or use our contact us form.