Dreadful experience of AVIVA deliberately dragging out payment and settlement of claim when they admitted they were totally at fault: they were vexatious and caused maximum inconvenience and were arrogant. They even sent threatening letter via their lawyers after I chased late payment of the settlement - to which I replied with a very sharp letter! Finally got the funds from them for injury damages but it would have been easier getting blood out of a stone! DISGUSTING COMPANY - AVOID!