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 its 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 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 transferring policyholders (and other key stakeholders) by writing to them, and publishing notifications in the press and on our website
• providing you the opportunity to consider the proposed transfer and raise any concerns you may have
• seeking approval from the High Court of Justice of England and Wales (the High Court) to the proposed transfer
• providing you the right to raise an objection and be heard by the High Court, if you consider you 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 policyholders resident in Guernsey, seeking approval from the Royal Court of Guernsey (the Guernsey Court) to the proposed transfer, providing you the right to raise an objection and be heard by the Guernsey Court if you consider you 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 you the right to raise an objection and be heard by the Jersey Court if you consider you 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 the contact us section.

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. You can attend the High Court hearing in person. We will update details on this webpage when confirmed. If you have an objection you would like to raise, you can raise this at the final High Court hearing. Alternatively, a representative can present your objection on your behalf. However, you do not need to attend the High Court hearing to object to the proposed transfer (see section 6 on how to object).

For policyholders 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 you have an objection you would like to raise, you can raise this at the Guernsey Court hearing in person. A legal representative can also present your objection on your 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 you have an objection you would like to raise, you can raise this at the final Jersey Court hearing in person. A legal representative can also present your objection on your behalf.  You can also make written representations direct to the Jersey Court. Please send your letter to: The Royal Court of Jersey, Royal Court House, Royal Square, St Helier, Jersey JE1 1BA including Aviva Transfer as a reference. Please also send a copy to us using our contact details. However, you do not need to attend the Jersey Court hearing to object to the proposed transfer (see section 6 on how to object).

If approved, we expect the proposed transfer will come into effect on 31 December 2025, if you’re a transferring policyholder your insurer will become Aviva Life & Pensions UK Limited and will administer your policy.

Your policy is with Aviva Protection UK Limited if you bought a policy originally from AIG Life Limited, Yorkshire Building Society, Skipton Building Society, Natwest, PAX Life, NFU Mutual, Direct Line (DLG), Churchill (DLG Group), Frankli (Neilson Financial Services), British Seniors (Neilson Financial Services), Post Office (Neilson Financial Services), Compass (Habito), YuLife, or if you bought a policy from Aviva Protection UK Limited since February 2025. All Aviva Protection UK Limited policies will be transferring as part of the proposed transfer, please read all sections on this webpage, apart from section 3 as this is not relevant for you.  

For anyone else. you are a policyholder of Aviva Life & Pensions UK Limited. Please read all sections on this webpage apart from section 4 as this is not relevant to you.

We haven’t written to you about the proposed transfer as your policy is not transferring and we do not expect the proposed transfer to impact you. The proposed transfer won’t change your 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 you receive. Find out more about the Independent Expert. 

You have the right to raise an objection if you have concerns about the proposed transfer and believe you 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 you have any questions or think you may be adversely affected and wish to object to the proposed transfer, please let us know about any concerns or objections you’d like to raise as soon as possible, ideally by 19 November 2025 to give us time to respond to you and provide you with instructions, if you wish to attend the Court hearing. You can write to us at Aviva Part VII, Wellington Row, York, YO90 1WR, or call us on 0800 158 4048 or if overseas +44 1603 603 866, or email us at partvii@aviva.com. (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)

You can attend the High Court, and if relevant, the Guernsey Court and Jersey Court if you wish.

You can still object up until the final hearing date 26 November. 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 you to read your email or letter with the Transfer Guide and familiarise yourself with the proposed transfer. There are no changes to the terms and conditions of your policy. You don’t need to do anything unless you are unsure of the proposed transfer, if you have any questions or if you feel adversely affected and want to object, see section 6. We have sent you an updated Direct Debit guarantee. Your policy details won’t change and there’ll be no change to your policy conditions, policy benefits, or payments – they’ll all stay the same. 

Your policy is safe, and you won’t lose any benefits. Apart from the change to the provider of your policy to Aviva Life & Pensions UK Limited, there won’t be any change to the terms and conditions, policy benefits or payments of your policy, 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 like you 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 in section 8 of the Transfer Guide 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, email us partvii@aviva.com or write to us at Aviva Part VII, Wellington Row, York, YO90 1WR. (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)

You have the opportunity to consider the proposed transfer and raise any concerns.

If you have any questions, concerns, or objections, please don’t hesitate to contact us, please see section 6. You have the right to raise an objection and be heard by the High Court and if relevant, the Guernsey Court and Jersey Court, if you consider you 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. You will not incur any costs relating to the transfer. 

If you are a transferring policyholder, we have written to you, please read your letter or email along with the Transfer Guide carefully. Please also make sure anyone interested in your policy can read this information. This might include another policyholder living at the same address, a nominated beneficiary, someone with a note of interest, a trustee, an executor, or a personal representative.

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

You can object to the proposed transfer by letting us know the reason(s) for your objection, or why you feel you may be adversely impacted. You can object to the proposed transfer by calling 0800 158 4048 or if overseas +44 1603 603 866. You can also email us at partvii@aviva.com or write to us at Aviva Part VII Wellington Row, York, YO90 1WR. 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

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

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

Please use your usual contact details for any general queries or to make a claim. 

We’re only writing to transferring policyholders from Aviva Protection UK Limited (formerly AIG Life Limited) to let them know about the proposed transfer. We’re not writing to existing Aviva Life & Pensions UK Limited policyholders, as they are not affected by the proposed transfer.

We’ve done our best to reduce the number of duplicate versions customers receive, but you may receive more than one letter or email if you have more than one policy. It’s important you let anyone else with an interest in your policy know about the proposed transfer. This might include another policyholder living at the same address, a nominated beneficiary, someone with a note of interest, a trustee, an executor, or a personal representative. 

If you’re a transferring policyholder from Aviva Protection UK Limited (formerly AIG Life Limited) and you haven't had a letter or email from us about the proposed transfer, please let us know by calling us on 0800 158 4048 or if overseas +44 1603 603 866 or write to us at Aviva Part VII, Wellington Row, York, YO90 1WR. 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. You can also email us at partvii@aviva.com

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

We wrote to transferring policyholders in February 2025 in relation to the re-naming of AIG Life Limited to Aviva Protection UK Limited. At the time, we said that we would be in touch in relation to the proposed transfer of your policy to Aviva Life & Pensions UK Limited. We’re now letting you know what this transfer means for you. 

We don’t expect the service levels you 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. See section 6 for what adversely affected means.

If you had access to support services, such as Aviva Smart Health, you'll continue to have access in the usual way. As this is a non-contractual benefit this can be changed or withdrawn at any time. 

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

If you have a general complaint regarding your policy, you can contact the Financial Ombudsman Service as required. If you have a complaint or objection about the proposed transfer, you 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, you 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 you have an ongoing complaint with the Financial Ombudsman Service in the UK when the transfer takes place, the transfer will not affect your 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 at the top of this webpage. 

The High Court hearing will take place at the Rolls Building, 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 there are any changes to dates.

You can attend the High Court hearing in person. We will update the top of this webpage with details on this. If you have an objection you would like to raise, you can also raise this at the final High Court hearing. A representative can present your objection on your behalf. However, you do not need to attend the High Court hearing to object to the proposed transfer. 

You can attend the Guernsey Court hearing in person or through a legal representative.

You can attend the Jersey Court hearing in person or through a legal representative. You can also make written representations direct to the Jersey Court to the address below. 

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

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 you think you may be adversely affected by the proposed transfer, you have the right to make an objection, the full details of which are set out in section 6. 

The proposed transfer will not go ahead, and your 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, you’re protected by a rigorous legal process and have the right to object to the proposed transfer if you think you may be adversely affected by it. 

You have the right to raise an objection if you have concerns about the proposed transfer and believe you 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 objection relates to the Guernsey Scheme, we will also share your objection with the GFSC and the Guernsey Court. If your objection relates to the Jersey Scheme, we will also share your objection with the JFSC and the Jersey Court.

You can object to the proposed transfer by contacting us, by calling 0800 158 4048 or, if overseas +44 1603 603 866. You can also email us at partvii@aviva.com or write to us Aviva Part VII Wellington Row, York, YO90 1WR. 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

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

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

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

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

You 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 our website.

We will update the top of 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.

You can attend the High Court hearing in person. We will update this webpage with details on this. If you have an objection you would like to raise, you can also raise this at the final High Court hearing. A representative can present your objection on your behalf.

You can attend the Guernsey Court hearing in person or through a legal representative.

You can attend the Jersey Court hearing in person or through a legal representative. You can also make written representations direct to the Jersey Court at the address given above. 

Please get in touch with us by:

1. Freephone 0800 158 4048 or if calling from overseas +44 1603 603 866.
   Lines open from 8am-6pm Monday to Friday. Closed England Bank Holidays. Calls may be monitored and/or recorded. (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)
2. Email us at: partvii@aviva.com
3. Write to us at: Aviva Part VII, Wellington Row, York, YO90 1WR.
4. Or use our contact us form