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Case Story Details


Organization Name


Case Story Title

Aviva and Environmental Management

Case Story Date


Issues Addressed

  • Principle 7 - Businesses should support a precautionary approach to environmental challenges
  • Principle 8 - Undertake initiatives to promote greater environmental responsibility
  • Principle 9 - Encourage the development and diffusion of environmentally friendly technologies

Case Story Category

Partnership Project

Countries of Impact

Case Description

Aviva has published three annual environment reports and in April 2002, published our first Corporate Social Responsibility Report, which not only includes the company?s environmental performance, but looks to include other areas of corporate performance within the CSR agenda. This briefing focuses on our environmental programme.

The environmental policy statement was first launched in 1998. An environmental management system and programme was developed to deliver the objectives contained in the policy statement. The system provides for policy development, implementation of action towards achieving the policy objectives and progress review.

Our system conforms to the FORGE guidelines on environmental management and reporting for financial services organisations in the UK and the recently published FORGE II guidelines on CSR management and reporting for the same sector. Aviva chaired both working groups responsible for developing such guidelines.

Aviva has identified two principal ways in which we interact with the environment, namely through direct and indirect impacts. Direct Impacts arise in the following activities: property management, energy and water use, waste management, paper use and transport and travel.

Our Indirect Impacts, identified as our most important impact areas, derive from our activities within fund management, claims handling and underwriting. Ultimately, it looks at how we manage our risks and realise opportunities in the way we conceive, design and deliver our core business products and services.Across the Group, objectives and targets are set within the direct and indirect impact areas and are reviewed and updated on an annual basis. Noteworthy progress has been made:

- Direct impact data is collected from our most significant business units, which equates to approximately 91% of total staff in the Aviva Group (80 % in 2000).

- In the UK, an Environmental Action Group meets quarterly and is responsible for a variety of initiatives, including the use of renewable sourced energy across the UK businesses. 30% of the electricity used by Aviva in the UK is now derived from renewable resources, compared with a figure of 19% for the previous year.

- In 2002, we reduced our energy consumption in the UK by 2%.

- All business units, where available, promote recycling activities - for example, in Norwich Union's Life offices in York & the Group headquarters in London, we provide for the recycling of all waste paper and aluminium cans.

- The increased use of videoconferencing and teleconferencing continues to be promoted throughout our businesses worldwide.

 Environmental criteria have been embedded in Purchasing strategy and practice. Questions on environmental best practice are already being included in supplier tender documents.

 In the UK, we have commissioned a unique digital map of Britain to help us pinpoint areas at risk from river flooding and calculate fairer premiums for individual homes and businesses. We are taking a leading role in the insurance industry's debate with the UK Government over flood defences.

 The UK Insurance business is also piloting Pay as You Drive insurance - a market-leading venture in the UK to tailor premiums even more fairly using data about vehicle use collected from black boxes installed in the policyholder's car. We shall have 5,000 customers involved in a pilot project from spring 2003.

 Our fund management operation, Morley Fund Management, will vote against FTSE100 and FTSE250 companies in high-risk sectors that do not publish an environment report and have not made a commitment to do so.

These are just some of the best practice examples, to obtain further details, please visit our website at: www.aviva.com/csr



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