Aviva Share Discussion Threads

[mountpleasant] 10/1/2024 18:29

Hang on... theres people who need financing plans to pay an insurance premium?
It sounds like Provident Finance customers.

[yump] 10/1/2024 17:28

Presumably the finance arrangements (eg. loans) that spreads the cost of an insurance premium, in return for interest payments over the term.

[1robbob] 10/1/2024 17:12

What are: 'Insurance Premium Funding' products?

[tourist2020] 10/1/2024 17:00

As I understand it insurers sold off today on a rumour that the FCA was taking a hard look at Insurance Premium Funding products, although I find it hard to believe that it is material in the overall scheme of things at Aviva,

[cestnous] 10/1/2024 15:26

Expected better share price reaction to recent news items

[xongkudu] 10/1/2024 11:53

Nice bikes!

I’ve had Triumphs my whole life but bought a Ducati Desert Sled a few years back for one day riding from London to Cape Town. Perhaps an African Twin would be better but the Ducati looks better.

Anyway..I better get off my ar$e and do it before I get too old.

[whatsup32] 09/1/2024 18:54

Not getting the fizz had hoped for

[smurfy2001] 09/1/2024 16:18

US CPI Thursday.

[alphorn] 09/1/2024 16:11

Reminded me of the Velocette Thruxton with its fishtail exhaust. (Jay Leno has one of the last built - beautiful).

[spud] 09/1/2024 15:58

This year's insurance premium is £120.92 including any optional extras you have on your policy and Insurance Premium Tax. You will also pay an arrangement fee of £25.00. The total amount you will pay this year is shown opposite.

Last year's insurance premium was £37.14, based on your current details, including optional extras and Insurance Premium Tax. Last year you also paid an arrangement fee
of £25.00, making the total you paid last year, £62.14.


So, £146 v £62 last year on one bike. As I said earlier, I predict a very profitable year for insurers.

spud

[spud] 09/1/2024 15:52

Thruxton R and Z900RS.

spud

[xongkudu] 09/1/2024 14:21

Spud

What bikes have you got?

[whatsup32] 09/1/2024 10:00

Kegal&General. Berenberg lifted to Buy. Yesterday

[whatsup32] 08/1/2024 17:45

Oil down 4% today , should help reduce fuel prices which will mean more driving . It should help with inflation hence drop in rates sooner than later.

Edit 4.7% now

[1robbob] 08/1/2024 16:52

Thanks cjac
Miniscule ROC, looks to be a raging sell if they could find a buyer?
But perhaps, would knock a small hole in your scheme for Aviva Investors!!

[whatsup32] 08/1/2024 16:46

Closed 436?

[cjac39] 08/1/2024 15:55

im not sure the mix of PH:SH of these with profits amounts. they obviously reattributed one of the large funds , i guess NU, but not all as they still have ring fencing in their solvency calcs. the value and cashflow value though is the op profits. in H1 23 they disclosed £95mln of op profit for heritage. thats where i guessed 160-180 as thats an IFRS number. they then disclose operating value added as £41mln which would suggest that thats the profit and the rest is capital unwind and therefore in OF / BS calcs already. seems like a very low number for that scale of AUM though. all told i woudl think less than £1bln of value in here.

[1robbob] 08/1/2024 15:39

cjac
How much of the £75bn-£80bn 'could' be atributable to AV?
I am guessing that it must be worth at least £2.7bn (after tax).
....So they could return a further 100p per share without damaging the P&L...and without having to change the dividend policy.

[cjac39] 08/1/2024 15:03

hi 1rob. they arent particularly forthcoming about heritage and its split. i think from memory its c£75-80bln of aum and throws off 160-180mln per annum but this is declining rapidly. my guess would be hard to disentangle but they dont like the low ROE of this biz

[ldavis] 08/1/2024 12:52

I don't think general personal 3rd party cover is that common, though for the most likely risks it could well be covered under specific insurance policies, i.e Househo;d insurance will generally include public liability relating to the propert itself, pet insurance for claims due to your animals , and obviously vehicle insurance for road incidents.

Legal expenses cover either as part of car or household insurance is quite common but that would only provide for the cost of defending against any claims, not any resulting damages awarded.

[uppompeii] 08/1/2024 12:32

Most people will have third party liability cover on their home insurance. It's cheap as chips so is often a free add on. This is why it's nonsense when motorists bang on about cyclists not being insured. Most will be, even if they don't know it.

[alphorn] 08/1/2024 11:59

Any responses to my post #447?

Do all posters have personal third party cover for themselves and family, or not?