Aviva: AI efforts
Aviva, the UK's largest general insurer, has made machine learning and gen-AI central to operations: CEO Amanda Blanc says over 98% of UK personal-lines business is priced with ML and the group has trained 150+ ML models in claims. Part of InsureBench's overview of AI in insurance; every figure is sourced.
Where Aviva ranks on AI
Aviva is featured in the 2026 Evident AI Index for Insurance and was one of only three insurers to disclose financial returns from AI in the inaugural 2025 edition.7 Its flagship effort is an AI-driven motor-claims transformation, built with McKinsey, that deployed 80+ AI models.1
CEO Amanda Blanc reports over 98% of UK personal-lines retail business is now priced with machine learning, and nearly £100M saved cumulatively through claims transformation.2
NA/Europe insurers
The AI build-out
From an ML claims overhaul to gen-AI underwriting and a consumer ChatGPT app.
Motor-claims AI transformation
With McKinsey, Aviva deploys 80+ AI models; the programme is credited with >£60M of 2024 savings.1
Record fraud detection
Aviva reports £230M+ of fraudulent claims detected in 2024 using ML and computer vision, up 14%.5
GitHub Copilot at scale
Copilot rolls out to 1,750 staff; the core policy system migrates to Microsoft Azure.4
Gen-AI underwriting tool
A tool summarising long GP medical reports cuts underwriter review time ~50%, later extended to critical-illness cover.3
hyperexponential pricing
Aviva adopts the hx agent suite, running 23 live pricing models across commercial lines.8
ChatGPT App Store app
Aviva launches a home-insurance quoting app in the ChatGPT App Store, its first OpenAI collaboration.6
Inside the programme
Machine learning underneath pricing and claims, with gen-AI layered on top for underwriting and distribution.
Motor-claims AI
An AI-driven claims journey (with McKinsey) credited with large gains in routing accuracy, complaint reduction and liability-assessment speed.1
GP-report gen AI
A generative-AI tool summarises 90+ page GP medical reports for life underwriters, cutting review time per case.3
hyperexponential
Agentic pricing/underwriting tooling; Aviva built 20 new pricing models in nine months across commercial lines.8
ChatGPT app
A home-insurance quoting app in the ChatGPT App Store — Aviva's first direct OpenAI collaboration.6
"We have been training over 150 machine-learning models in claims with our own data for years — and over 98% of retail business in UK personal lines is priced with machine learning."
Amanda Blanc, Group CEO, Aviva — Mar 20262ML at the core, gen-AI with human oversight
Aviva's foundation is machine learning in pricing and claims; generative AI sits on top for underwriting summarisation and distribution, with humans kept in the loop on fraud investigation and underwriting decisions.
Whether those models reach the right call is exactly what an insurance AI benchmark measures.
- 98%+ of UK personal lines priced with ML
- 150+ ML models trained in claims
- £230M+ fraud detected in 2024 (human-in-the-loop)
- Computer vision flags AI-generated fake claim images
Why this matters for benchmarking
Aviva runs ML under nearly all its underwriting and claims pricing and decisions. The more decisions models drive, the more it matters whether they're right — which is what InsureBench measures. See the methodology.
Sources
- McKinsey — Aviva: rewiring the insurance claims journey with AI (80+ models). mckinsey.com
- diginomica — Amanda Blanc on Aviva's ML investments (FY2025, Mar 9 2026). diginomica.com
- Aviva — AI underwriting tool for GP-report summarisation (Nov 28 2025). aviva.com
- Microsoft — Aviva + Azure: GitHub Copilot to 1,750 users (Aug 13 2025). microsoft.com
- Aviva — Aviva detected 14% more claims fraud in 2024 (Apr 2025). aviva.com
- Aviva — Aviva launches insurance app on ChatGPT (Mar 24 2026). aviva.com
- Evident Insights — AI Index for Insurance 2026. evidentinsights.com
- Aviva — hyperexponential expands partnership with Aviva (Dec 2025). aviva.com