Living Costs Protection
OUR ASSESSMENT
The 12-month payment limit is central to the comparison. Map it against employer sick pay and savings, then consider what would happen if you remained unable to work after payments ended.
Features to compare
- Aviva's direct Living Costs Protection offers a selected monthly benefit following an eligible illness or injury claim.
- Payments begin after the chosen deferred period and can continue for up to 12 months per qualifying claim.
Limitations and checks
- This product does not cover redundancy or unemployment.
- Eligibility and repeat-claim rules apply. Do not confuse this direct product with other Aviva income-protection contracts sold through advisers.
The question to ask
When would payments begin, when would they stop, and what must happen before a later claim can qualify?
Before arranging cover
Use the current policy wording and your quotation schedule to confirm these points. Our assessment is desk research, not a first-hand claims test or a personal recommendation. We have not assigned a product score or established comparable claims-service performance.
Sources & further reading
Checked 26 September 2026. Policy terms and source ratings can change.
Provider information checked 2026-09-27. The linked provider information supports the product summary; the assessment and questions are Coverwell editorial analysis. Availability and accepted terms depend on the quotation.