AVIVA LIFE & PENSIONS UK LIMITED
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Next accounts due
2027-09-30 (in 1y)
Last filed for 2025-12-31
Confirmation statement due
2026-10-15 (in 5mo)
Last made up 2025-10-01
Watchouts
None on the register
Cash
—
Latest balance sheet
Net assets
£4B
-17.7% vs 2024
Employees
0
Average over period
Profit before tax
£571M
+19,133.3% vs 2024
Net assets
2-year trend · vs Financials median
Accounts
2-year trend · latest reflected 2025-12-31
| Metric | Trend | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Gross written premiums | £7,990,000,000 | £8,375,000,000 | |
| Net earned premiums | £7,495,000,000 | £8,277,000,000 | |
| Claims incurred | £6,889,000,000 | £7,035,000,000 | |
| Investment return | £16,261,000,000 | £29,364,000,000 | |
| Profit before tax | -£3,000,000 | £571,000,000 | |
| Net profit | -£315,000,000 | £110,000,000 | |
| Insurance contract liabilities | £104,235,000,000 | £108,071,000,000 | |
| Total assets | £289,270,000,000 | £319,345,000,000 | |
| Total liabilities | £284,725,000,000 | £315,604,000,000 | |
| Equity | £4,545,000,000 | £3,741,000,000 | |
| Average employees | 0 | 0 |
Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. About these numbers
Year-on-year
FY2024 → FY2025 · period ending 2025-12-31 vs 2024-12-31
-
Gross written premiums
+4.8%
£7,990,000,000 £8,375,000,000
-
Net earned premiums
+10.4%
£7,495,000,000 £8,277,000,000
-
Profit before tax
+19,133.3%
-£3,000,000 £571,000,000
-
Equity
-17.7%
£4,545,000,000 £3,741,000,000
-
Claims incurred
+2.1%
£6,889,000,000 £7,035,000,000
-
Insurance contract liabilities
+3.7%
£104,235,000,000 £108,071,000,000
-
Investment return
+80.6%
£16,261,000,000 £29,364,000,000
Each % is (latest − prior) ÷ |prior| for the line item as filed. The comparison is only shown when the latest and prior accounts cover broadly equal-length periods — short or long stubs (typical around incorporation or a year-end change) are suppressed rather than misrepresented. Lines a company doesn't report are omitted. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Gearing (liabilities / total assets) | 98.4% | 98.8% |
Margins divide P&L lines by turnover. Gearing is liabilities over total assets. Current ratio is current assets over creditors falling due within one year. Interest cover is operating profit over absolute finance costs. Sector-distribution context coming next.
Name history
Renamed 2 times since incorporation
- AVIVA LIFE & PENSIONS UK LIMITED 2009-06-01 → present
- NORWICH UNION LIFE & PENSIONS LIMITED 1996-10-18 → 2009-06-01
- FILECO (NO.2) LIMITED 1996-09-18 → 1996-10-18
Audit & accounting basis
- Accounting basis
- IFRS
- Reporting scope
- Standalone (parent only)
- Auditor
- Ernst & Young LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“Based on our work, we have not identified any material uncertainties relating to events or conditions that, individually or collectively, may cast significant doubt on the company's ability to continue as a going concern for a period to 25 March 2027.”
Group structure
- AVIVA LIFE & PENSIONS UK LIMITED · parent
- 10-11 GMS Limited 100%
- Aviva Park Management 100%
- Aviva Equity Release UK Limited 100%
- Aviva ERFA 15 UK Limited 100%
- Aviva Investors Stock Management Limited 100%
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
8 active · 79 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| AVIVA COMPANY SECRETARIAL SERVICES LIMITED | Corporate Secretary | 2017-08-31 | — | — |
| BROWN, Douglas Allan | Director | 2021-05-18 | Mar 1971 | British |
| CURTIS, Jane Elizabeth Mary | Director | 2023-01-01 | May 1960 | British |
| DINWIDDIE, Andrew Maitland | Director | 2024-04-01 | Jul 1984 | British |
| HARRIS, Michael | Director | 2020-11-30 | Oct 1965 | British |
| MCCONVILLE, James | Director | 2022-04-27 | Jul 1956 | British |
| MURPHY, Michael Anthony | Director | 2024-10-18 | Apr 1972 | Irish |
| PARKES, Adrian Roger | Director | 2024-04-01 | Dec 1976 | British |
Show 79 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| HOWLETT, Annette Frances | Secretary | 1997-06-20 | 1999-09-22 |
| JONES, Edward Graham | Secretary | 1996-09-25 | 1999-05-27 |
| PARKER, David Ernest | Secretary | 1999-09-22 | 2000-05-19 |
| RISAM, Monica | Secretary | 2015-08-01 | 2017-08-31 |
| WARD, Mary Elizabeth | Secretary | 1999-09-22 | 2000-09-29 |
| WHITE, Philip Martin | Secretary | 2000-09-29 | 2004-11-30 |
| WHITTAKER, Steven John | Secretary | 1996-09-18 | 1996-09-25 |
| WILMAN, Jennifer Jane | Secretary | 2007-06-27 | 2015-07-31 |
| AVIVA COMPANY SECRETARIAL SERVICES LIMITED | Corporate Secretary | 2004-12-01 | 2007-06-28 |
| ABERCROMBY, Keith William | Director | 2005-11-28 | 2006-09-14 |
| ABRAHAMS, Clifford James | Director | 2013-08-01 | 2015-06-30 |
| AGIUS, Cheryl Margaret | Director | 2021-07-05 | 2024-05-16 |
| AINLEY, John | Director | 2004-08-02 | 2006-03-31 |
| ALLVEY, David Philip | Director | 2015-04-17 | 2016-03-31 |
| ANDERSON, Charles Andrew | Director | 2000-09-01 | 2001-09-27 |
| BARRAL, David Barclay | Director | 2009-03-26 | 2015-04-13 |
| BARRAL, David Barclay | Director | 2005-09-01 | 2006-05-22 |
| BIGGS, Michael Nicholas | Director | 1997-10-01 | 2000-09-01 |
| BOFFEY, Graham Stirling | Director | 2010-08-05 | 2012-11-30 |
| BRIDGEWATER, Allan | Director | 1996-09-30 | 1997-12-31 |
| BRIGGS, Andrew David | Director | 2015-04-13 | 2019-04-24 |
| BUTTERWORTH, Ian | Director | 2010-08-05 | 2010-12-31 |
| CARVILL, Mel Gerard | Director | 2015-04-21 | 2022-06-30 |
| COURTENAY-SMITH, Nicholas Andrew | Director | 1997-05-09 | 2001-12-31 |
| CURRAN, Bernard Andrew | Director | 2012-09-18 | 2014-03-07 |
| DARLINGTON, Angela Jane | Director | 2019-08-07 | 2021-04-30 |
| DARLINGTON, Angela Jane | Director | 2014-10-06 | 2015-04-13 |
| GOELTZ, Richard Karl | Director | 2014-02-13 | 2015-04-13 |
| GOODING, Valerie Frances | Director | 2018-02-28 | 2020-07-23 |
| HALES, Peter Robert | Director | 2000-09-01 | 2005-09-01 |
| HARVEY, Richard John | Director | 1996-09-25 | 2000-09-01 |
| HAWKER, Michael John | Director | 2017-01-01 | 2017-03-31 |
| HESSEY, Peter Edward | Director | 2000-09-01 | 2004-08-02 |
| HESSING, Hugh William | Director | 2011-06-21 | 2012-08-06 |
| HEYWORTH-DUNNE, James Anthony | Director | 1997-05-09 | 1999-10-31 |
| HODGES, Mark Steven | Director | 2006-05-19 | 2010-04-30 |
| HOUGHTON, Rob Ian | Director | 2011-02-07 | 2012-06-18 |
| HOWE, Robert William Albert | Director | 2014-02-13 | 2023-03-28 |
| HUTCHINSON, Alison Elizabeth | Director | 2014-05-06 | 2017-10-31 |
| JAMES, Glen William | Director | 1996-09-18 | 1996-09-25 |
| JOHNSON, Peter Thomas | Director | 2000-10-02 | 2001-06-30 |
| JONES, Charlotte Claire | Director | 2022-09-05 | 2024-04-01 |
| JONES, Edward Graham | Director | 1996-09-25 | 1996-09-30 |
| JONES, Keith | Director | 1999-11-08 | 2000-09-01 |
| KELLARD, Michael John | Director | 2024-02-23 | 2025-08-01 |
| KELLY, Thomas Anthony | Director | 1997-05-09 | 1998-01-31 |
| KIRSCH, Michael Terence | Director | 2000-09-01 | 2006-05-22 |
| LISTER, John Robert | Director | 2014-02-13 | 2016-08-07 |
| LISTER, John Robert | Director | 2005-09-01 | 2012-04-18 |
| MANN, Stephen Andrew Joseph | Director | 2005-04-29 | 2006-05-22 |
| MCINTYRE, Bridget Fiona | Director | 1999-05-20 | 2000-09-01 |
| MELCHER, Andrew Stephen | Director | 2014-02-13 | 2014-12-31 |
| NEWMAN, James Allen | Director | 2001-11-22 | 2005-06-01 |
| NICANDROU, Nicolaos | Director | 2006-10-16 | 2009-04-27 |
| O'ROARKE, John Brendan | Director | 2018-03-08 | 2021-06-30 |
| PATEL, Hiteshkumar Rameshchandra | Director | 2014-02-13 | 2019-12-31 |
| PEARCE, Iain Anthony | Director | 2020-11-27 | 2024-04-01 |
| RICHARDS, Belinda Jane | Director | 2015-04-17 | 2017-09-28 |
| RILEY, Cathryn Elizabeth | Director | 2008-07-02 | 2008-12-31 |
| RILEY, Cathryn Elizabeth | Director | 2004-08-02 | 2006-05-22 |
| RIX, Lindsey Claire | Director | 2020-05-06 | 2021-04-14 |
| ROGERS, David Frederick Swiffen | Director | 2019-10-10 | 2020-10-30 |
| SCOTT, Philip Gordon | Director | 1997-05-09 | 2003-07-01 |
| SEYMOUR-JACKSON, Angela Charlotte | Director | 2010-08-24 | 2010-12-31 |
| SHAW, Geoffrey John Mason | Director | 1997-05-09 | 2000-09-01 |
| SMITH, Patrick Joseph Edward | Director | 1997-05-09 | 1999-07-21 |
| SNOWBALL, Patrick Joseph Robert | Director | 2006-05-19 | 2007-05-03 |
| STRAUSS, Toby Emil | Director | 2009-02-11 | 2011-05-23 |
| THORNTON, Craig James | Director | 2012-08-01 | 2013-03-08 |
| TRICKETT, Stephen Paul | Director | 2016-09-02 | 2023-08-30 |
| URMSTON, Michael Norris | Director | 2000-09-01 | 2005-11-28 |
| VANCE, Gillian Margaret | Director | 2000-09-01 | 2004-11-30 |
| WALLS, John Russell Fotheringham | Director | 2015-04-13 | 2018-02-28 |
| WEI, Christopher Brian | Director | 2015-01-01 | 2015-07-31 |
| WHITTAKER, Steven John | Director | 1996-09-18 | 1996-09-25 |
| WILLCOCK, Philip Craig | Director | 2011-08-10 | 2013-12-02 |
| WINDSOR, Jason Michael | Director | 2020-10-19 | 2022-05-20 |
| WINDSOR, Jason Michael | Director | 2016-08-07 | 2019-08-07 |
| WITHERS, Gary Nigel | Director | 2002-09-01 | 2006-03-31 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Aviva Life Holdings Uk Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 484 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-04-18 | AA | accounts | Accounts with accounts type full | |
| 2025-10-02 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-08-11 | TM01 | officers | Termination director company with name termination date | |
| 2025-05-01 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-04-04 | AA | accounts | Accounts with accounts type full | |
| 2024-11-08 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2024-11-08 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2024-11-07 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2024-11-04 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2024-10-22 | AP01 | officers | Appoint person director company with name date | |
| 2024-08-05 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2024-07-05 | AUD | auditors | Auditors resignation company | |
| 2024-05-22 | TM01 | officers | Termination director company with name termination date | |
| 2024-05-01 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-04-15 | AA | accounts | Accounts with accounts type full | |
| 2024-04-11 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2024-04-11 | TM01 | officers | Termination director company with name termination date | |
| 2024-04-11 | TM01 | officers | Termination director company with name termination date | |
| 2024-04-11 | AP01 | officers | Appoint person director company with name date | |
| 2024-04-11 | AP01 | officers | Appoint person director company with name date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 4
- Capital events
- 0
- Officers appointed
- 0
- Officers resigned
- 1
last 12 months
last 24 months
last 12 months
last 12 months
Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.