We consistently aim to offer our customers a range of sustainable products and services that meet real needs.

Socially responsible motoring initiatives include Norwich Union’s UK ‘Pay As You Drive’™ car insurance, which uses telematics technology to assess where, when and how far young and lower mileage drivers drive. A third of customers aged 18-23 are saving at least 40% on their premiums and, more importantly, accidents have been reduced because the scheme encourages young drivers to stay off the roads at high-risk periods, such as at night. Claims by young drivers have fallen by over 30%.

In Canada, we doubled the number of policy holders in our Autograph programme, which also offers lower premiums to people driving shorter distances and at off-peak times. In the Netherlands, Delta Lloyd has launched a sustainable ‘green’ motor insurance. For every policy taken out, seven trees a year are planted in sustainable forests. The product, the first in a new sustainable ‘product line’, is supported by the national climate campaign HIER.

To encourage life insurance customers to lead healthier lifestyles, as well as save money, Aviva USA launched the Wellness for Life programme in 2007. Customers are eligible for potential savings by having regular check-ups with their doctor, and can reduce their insurance costs further by meeting other criteria, such as maintaining an agreed body weight.

As for protecting the environment, Aviva France’s new home insurance product includes an option for insuring against the failing or breakage of renewable energy devices such as solar and photovoltaic panels. It offers reduced premiums for having energy-efficient electrics and boilers, and using renewable fuels.

Case study

Life cover in India

Aviva India provides a range of financial products and services to help the underprivileged and combat poverty.

For example, one new micro-insurance plan, Grameen Suraksha, reduces the burden on rural policyholders, who pay premiums for just two years and then realise the term benefit for five or 10 years. The scheme currently covers more than 1.1 million lives, and hopes to bring the benefits of life insurance to a wider rural population.

India’s first comprehensive child care plan, ‘Aviva Little Master’, is designed to take care of the current and future needs of children should they be orphaned.