Aviva sustainability score: 43/100
Aviva is a UK-based financial services and insurance group, founded in 2000 and headquartered in London. It operates across general insurance, life insurance, and investments with 27,873 employees.
More about Aviva
As a dominant national insurer, Aviva's material sustainability footprint lies in underwriting and investment portfolio emissions rather than operations.
Founded 2000Head office London, United KingdomStaff ~27,873 (2024)Revenue ~£41.7BWebsite ↗
Aviva has secured operational emissions reductions and renewable electricity, but financed emissions—the dominant impact for an insurer—remain intensity-based and unquantified in absolute terms. Fossil fuel underwriting persists despite stated restrictions. Climate governance is transparent; fossil exposure is the structural weakness.
Aviva scores 43/100 (Below expectations) on SINK's independent climate assessment, scored from public data only. Scores are free. Companies can never pay for anything about their own score. Last verified September 2026.
That places Aviva joint 331st of 934 companies scored, and 4th of 17 in Insurance.
What is Aviva doing well, and where does it fall short?
Strongest on Energy Source and Carbon Footprint: Operations (9/10, 8/10). Weakest on Carbon Footprint: Supply Chain and Resource Use & Waste (4/10, 5/10).
Where Aviva lost points
For each question that lost points, the evidence our public rubric looks for that we didn't find.
- Emissions from its own operations8/10No verified figures published with their method and a falling trend.
- Emissions from its supply chain4/10Most of its supply-chain (Scope 3) emissions aren't measured.
- Whether its emissions are falling7/10No consistent fall over several years across its operations and supply chain.
- How clean its energy is9/10Its own operations aren't shown to run on 100% renewable energy.
- Its effect on nature6/10No verified restoration beyond its own footprint, or supply chain not mapped for nature risk.
- How it uses materials and handles waste5/10No measurable waste or recycling targets reported publicly.
- Its effect on water5/10No measured water footprint with reduction targets.
- Its climate targets7/10Its targets aren't validated by the Science Based Targets initiative.
- How openly it reports8/10No mission-locked structure, such as B Corp certification.
- Its record on controversies5/10Points deducted for controversies or its business model. The finding is under question 10.
A score changes when the evidence does. We use new published evidence at the next rescore. Anyone can send us new evidence, free. How to send it.
How is Aviva's SINK score calculated?
Same ten questions for every company. No private weighting.
SINK = (0.3 × Base + 0.7 × Performance) × ScaleHas Aviva's score changed?
Aviva's score has moved from 58 to 43 across 3 recorded reviews, down 15 points.
- 59 → 43-1620 September 2026
Re-scored 59→43 under v2.5.10: financed-emissions floor applied (Rabobank convention, scope-incomplete basis). Methodology-version re-score — not a finding against new conduct.
- 58 → 59+125 May 2026
Re-scored 58→59 under v2.5. Reconstructed from the live record's own state (base 55, performance 61, scale 1.0, v2.5) as it stood before the 20 September 2026 re-score; dated from the record's updatedAt, the only write between the initial score and that re-score. Reconstructed, not observed at the time.
- Scored 5811 April 2026
Initial score at platform launch
What evidence is Aviva's score based on?
12 sources used in this assessment. All publicly available. Each row shows which of the ten questions it informed.
50% of them were published by Aviva itself; the rest come from independent sources.
Aviva's score reflects its operational emissions, which are well-disclosed and independently assured. The emissions financed by its investments and underwriting — the defining footprint of an insurer — are not disclosed, and this absence is reflected in the score.
6 of 12 sources are independent of the company.
“This metric was subject to external independent reasonable assurance by EY.”
“Scope 1 and 2 against our 2019 baseline”
“73% of our suppliers (by spend) had set validated science-based targets by the end of 2025”
“the company has not set an absolute reduction target on the emissions that result from its financing”
“The turbine and existing solar panels at the Pitheavlis site are expected to generate 100% of the electricity demand”
“Aviva's ambition of achieving net zero by 2040 has led to an initial £100 million in funding for nature-based carbon removals by 2030.”
“Deforestation has been a high priority issue for Aviva, as it sits at the nexus of both climate change and biodiversity loss.”
“Operational Scope 3 emissions cover operational emissions from business travel (air, rail, grey fleet, and rental cars), water, waste”
“Stopped insuring companies making more than 5% of their revenue from thermal coal or unconventional fossil fuels”
“Aviva has taken bold steps to stop insuring the fossil fuel sector but must still explicitly rule out support for companies developing new coal, oil and gas projects.”
“Aviva and Aviva Investors are actively and supportively engaged on climate-related policy.”
“aligned to a 1.5C pathway for operations, supply chain and investments”
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How does Aviva compare with other insurance companies?
Where Aviva sits among insurance peers.
Among the 17 major insurance brands we've scored, Aviva sits 4th of 17.
Who scores higher in Insurance?
The 3 companies in the sector scoring nearest above Aviva.
Swiss Re discloses operational emissions fully with third-party assurance, but absolute financed and insurance-associated emissions—its material footprint—are rising despite intensity improvements.
See the breakdown →Legal & General reports strong operational emissions cuts (27% decline in Scope 1+2) and 100% renewable electricity procurement, but total Scope 3 is rising—investment portfolio emissions climbed from 4.8 to 5.5 million tCO2e.
See the breakdown →Elevance Health's operational emissions are falling and it reports 100% renewable electricity through certificates rather than direct supply.
See the breakdown →Which companies moved this week, and why.
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