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Frequently asked questions
Welcome to new shareholders
Aviva has made www.aviva.com its primary means of communicating with shareholders and this site contains all you need to know about your shareholding, and steps you can take to help us provide the best possible service to you.
By communicating with you electronically we can improve our service to you, reduce the environmental impact of our shareholder mailings and save on printing and postage costs.
I hope you find this site useful, but if you have any comments on the site please send us your feedback.
- Share dealing
How can I buy or sell shares?
If you have a share certificate, you can buy or sell shares, using any stockbroker, bank or building society that offers a share dealing service in the UK, or in your country of residence if outside the UK. For further information on the share dealing facility provided by our Registrar, Computershare, please visit the share dealing page. If you hold your shares in the Aviva Share Account, you are required to use the Aviva Share Account Share Dealing Facility in accordance with the Aviva Share Account terms and conditions (PDF 294.1 KB) .
What is Capital Gains Tax?
Capital Gains Tax is the tax paid on any profit or gain made by selling a chargeable asset (eg shares) for more than it was bought.
Aviva plc is unable to advise individuals on matters of Capital Gains Tax. Please consult an independent financial adviser.
- Updating personal details
How do I change my personal details on my shareholding?
Change of address
You can change your address online by visiting the electronic communications page.
To login you will need your new Computershare Shareholder Reference Number and your post code. You can request to receive your Computershare Shareholder Reference Number by telephoning Computershare, who will send this to you in the post.
Change of name
You will need to send Computershare an original of your marriage certificate or your change of name deed (which will be returned to you) before your name can be changed on the share register.
If you also hold an insurance policy with the Company, you will need to contact the Company separately to change your policy name/address.
For all written communications with Computershare, please use the contact details, quoting your shareholder reference number.
How can I confirm the number of shares that I hold?
You can view your Aviva shareholdings online by registering for online shareholder services via the electronic communications page.
Alternatively, you can contact our Registrar, Computershare, to request confirmation of your holding in Aviva.
How can I transfer ownership of my shares to someone else?
For certificated holdings please contact our Registrar, Computershare to obtain a personalised stock transfer form, which you will need to complete and return with your share certificate.
- Change of ownership/ replacing lost records
What do I do if I lose my share certificate or dividend cheque?
You may obtain a replacement share certificate or dividend cheque by telephoning our Registrar, Computershare. Alternatively, visit the electronic communications page to use the online dividend cheque replacement service. Please note for dividends issued in November 2010 and May 2011 you will need to telephone Computershare directly.
After receiving a replacement share certificate, you may wish to transfer your shares into the Aviva Share Account.
If your shares are held on your behalf in the Aviva Share Account and you have lost your Statement of Shareholding then you can obtain a replacement by telephoning our Registrar, Computershare. There will be a fee for this service. A new statement will be issued automatically every year prior to the AGM.
You can also view your current shareholding by visiting the electronic communications page. To login you will need your new Computershare Shareholder Reference Number and your post code. You can request to receive your Computershare Shareholder Reference Number by telephoning Computershare, who will send this to you in the post.
How do I register the death of a shareholder?
If the shares were held solely in the name of the deceased, the Registrar will require a copy of the death certificate and either probate or letters of administration. The name of the legal personal representative will then be added to the register. The shares can then be sold by the personal representative, or a stock transfer form can be submitted so that the shares are registered in the name of the deceased’s beneficiary.
If the value of the estate in the deceased’s sole name is below certain limits the death can be registered using the Registrar’s small estates procedure. Details of the current limits and the procedure involved can be obtained from our Registrar, Computershare.
If the shares were held jointly, the Registrar will remove the deceased’s name from the Register on receipt of a copy of the death certificate. The shares will then be registered in the name(s) of the surviving holder(s) and the relevant share certificates will be amended to reflect this.
For further information or advice you should contact our Registrar, Computershare.
- Keeping your shareholder information safe
I’m worried about my name appearing on a public register. How can I avoid this?
You may wish to transfer your certificated shares into the Aviva Share Account. This is a method of holding your shares in a nominee account which means that your name does not appear on a public register.
Read more details on the Aviva Share Account page.
What is the Aviva Share Account?
The Aviva Share Account is a convenient method of holding your shares in a nominee account without the need to have a share certificate or having your name appears on a public register. There is no charge to have your shares put into the Aviva Share Account and you are able to withdraw them at any time, and request a share certificate instead (there will be a charge on withdrawal from the Aviva Share Account, please visit www.investorcentre.co.uk/faq for details).
Read more details on the Aviva Share Account page.
- What is a dividend?
A dividend is an amount based on a company’s profits paid out to shareholders for each share they hold. After a set of results have been announced the board of directors review the company’s performance and financial position, and determine whether or not a dividend should be paid.
Dividends are usually paid in May and November each year and by default are paid to shareholders by cheque.
- How can i bank mandate my dividend?
By having your dividend paid directly into your bank account you will:
- Receive your dividends in your account o the dividend payment date;
- Avoid the inconvenience and delay of having to pay a cheque into your account;
- Avoid the risk of losing your dividend cheque in the post;
- Reduce the Company’s printing, paper and postage costs, and in turn the environmental impacts of these; and
- Help Aviva to become carbon neutral.
- What is the Aviva Scrip Dividend Scheme?
The Aviva Scrip Dividend Scheme provides shareholders with an opportunity, it they wish, to receive their dividend in the form of new ordinary shares instead of cash. Aviva is not currently offering a Scrip Dividend Scheme.
- Do I have to pay tax on my dividends?
Aviva plc dividends are announced and paid net of tax. Income tax at the basic rate of 10% is deducted from the gross dividend before the net dividend is paid to shareholders. This is referred to as your Tax Credit and is detailed on your tax voucher.
In an effort to assist shareholders with record keeping and to reduce printing, paper and postage costs, the Company produces consolidated tax vouchers for those shareholders who have elected to have their dividends paid directly into their bank account.
- What are electronic communications?
- Access details of your individual Aviva shareholding quickly and securely online;
- Change your details online, including your dividend mandate, postal address, e-mail address and mailing preference;
- Receive important shareholder communications by e-mail;
- Arrange payment of any dividends to be made directly to your bank account.
- Why should I sign up for electronic communications?
Access to electronic communications allows you to receive shareholder documentation quickly and without the risk of important documents being lost in the post. You will also be able to view your Aviva shareholding and dividend history, and update changes in your address whenever you wish.
Electronic communications also means that you can help us to reduce our printing, paper and postage costs, and in turn the environmental impacts of these.
Start using electronic communications.
- What is the best way to keep in touch with Aviva?
It is important that you are able to keep up to date with Aviva in a way that’s most practical for you. We now offer a number of methods for receiving Aviva news, via your desktop or mobile phone. Find out more about ways to receive Aviva news.
If you need to contact us about your shareholding you should contact our Registrar, Computershare.
- How can I continue to receive hard copies of company documents?
If you would like to receive hard copies of Aviva's shareholder communications, you can contact our Registrar, Computershare or change your mailing preference online by visiting the electronic communications page.
- What is the Strategic Report?
As a result of a change in the Companies Act 2006, from 2014 companies will be required to produce a Strategic Report which will replace the Annual Review.
The Strategic Report will set out a review of Aviva’s business by addressing key issues such as our business model and strategy and principal risks and uncertainties facing the business. It will also include information on environmental matters and employees; social, community and human rights issues; and gender diversity within the business.
The Strategic Report will form part of the full Annual Report and Accounts. However, it can also be sent to shareholders as a separate document which replaces the Annual Review. In this case it will be supplemented by adding material including a single total figure table in respect of Aviva’s directors’ remuneration and any other financial information, which we believe will help to make the Strategic Report fair, balanced and understandable.
From 2014 the Annual Review will no longer be available and instead shareholders will have the option of receiving the Strategic Report and additional material as outlined above or the full Annual Report and Accounts.
- What is an AGM?
AGM stands for Annual General Meeting, which the Company is required to hold each year. Every year the Company’s board of directors invites its shareholders to attend the meeting. Details of the latest AGM can be found on the AGM page.
- How can I find out about the AGM?
Shareholders are automatically notified about the AGM in March or April each year. Depending on the elections made, shareholders will either receive a hard copy of the Notice of Meeting or will be notified either by post or by e-mail when the document is available for viewing on the Company’s website. For more information on previous AGMs, view the AGM page.
- What is discussed at an AGM?
At the AGM there is a presentation on the Company’s performance over the previous financial year and shareholders are given the opportunity to vote on key issues such as approving the annual report and accounts, the final dividend per share and the re-election of directors. Shareholders are also given the opportunity to ask the directors questions relating to the business of the meeting.
If you are unable to attend the Annual General Meeting then you can submit a question in advance of the meeting via the AGM page.
- What happened at the last AGM?
Documents from the last AGM can be viewed, along with other information about the meeting on the AGM page.