Aviva is a UK-based financial services and insurance group, founded in 2000 and headquartered in London.
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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. Fees pay for the review, never the result. Last verified September 2026.
That places Aviva joint 296th of 847 companies scored, and 5th of 14 in Insurance.
Where Aviva sits among insurance peers.
Among the 14 major insurance brands we've scored, Aviva sits 5th of 14.
Its three lowest-scoring questions, and what the evidence didn't show.
Financed and insurance-associated emissions—the primary 'supply chain' equivalent for an insurer—not disclosed as absolute PCAF-basis portfolio total.
No standalone circular economy programme, specific waste diversion targets, or materials stewardship metrics found.
As office-based financial services firm, direct water consumption is low with no process water, industrial discharge, or known pollution incidents.
A score changes when the evidence does. We use new published evidence at the next rescore. Evidence that isn't public can count through an evidence review.
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Get in touch →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).
The 3 companies in the sector scoring nearest above Aviva.
AXA publishes comprehensive climate data and joined RE100, but intensity-based targets on financed emissions mask reliance on carbon credits for net-zero claims.
See the breakdown →Zurich has operational climate discipline but its financed emissions strategy is deliberately weak.
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 →Aviva's score has moved from 58 to 43 across 3 recorded reviews, down 15 points.
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.
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.
Initial score at platform launch
The formula and all 12 sources.
Same ten questions for every company. No private weighting.
SINK = (0.3 × Base + 0.7 × Performance) × Scale12 sources used in this assessment. All publicly available. Each row shows which of the ten questions it informed.
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”
If you believe a source has been misread or a newer version exists, submit a challenge.
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. As a dominant national insurer, Aviva's material sustainability footprint lies in underwriting and investment portfolio emissions rather than operations.
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