How to find an Aviva pension
Tracking down old pensions can sometimes feel like a chore. Perhaps you’ve moved house, changed jobs, or simply forgot about a retirement plan started years ago. If one of your former employers used Aviva for their workplace pension scheme—or you opened a personal Aviva pension at some point—you may have money waiting. Here, we’ll walk you through the steps to find your Aviva pension.
What is a “lost pension”?
A lost pension is any pension you’re no longer actively tracking. Even if you’ve misplaced the details, your investment is still there, growing over time. Reconnecting with your pensions helps you get a full picture of your retirement savings, so you can plan more effectively for the future.
Reasons to Trace Your Aviva Pension
You might want to trace your pension if:
You’ve switched jobs and were automatically enrolled in an Aviva workplace pension.
You have multiple pensions and want to consolidate them.
You’ve moved house, so Aviva’s records may be outdated.
You’re reviewing your retirement savings and need a complete overview.
Steps to Find Your Aviva Pension
Register for Aviva MyWorkplace
MyWorkplace is Aviva’s online platform, which also powers their mobile app. Here’s what to do:
Head to Aviva’s MyWorkplace registration page.
Create an account with your email and a secure password.
Add your workplace pension policy by providing your name, date of birth, National Insurance number, and crucially, your Aviva pension policy number.
Once you’ve added your pension to MyWorkplace, you can log in online or through the mobile app to monitor your balance and view statements. The catch is that you’ll need your policy number beforehand, so if you don’t have it, try one of the alternatives below.
Call Aviva Customer Services
If you’re missing your policy number, or you’re unsure whether you have an Aviva pension at all, call Aviva’s customer service line on 0800 158 3142. You’ll need to confirm your identity by providing:
Full name
Date of birth
National Insurance number
Current or previous addresses
Their team will check if you have a pension policy on file. It might take some time to get through, but it’s a straightforward way to confirm any pension records.
Use a Financial Adviser
An independent financial adviser (IFA) can help locate, review, and potentially consolidate your pensions. Typically, they’ll send Letters of Authority to providers like Aviva, requesting full policy information. Keep in mind:
IFAs charge fees for their service.
They can provide professional, personalised advice regarding retirement planning.
If you prefer expert guidance, this could be the route for you.
Look Through Old Paperwork
Although it may not be the most exciting step, digging up old paperwork can be the easiest way to find your Aviva policy number. When your employer enrolled you, you should have received a welcome pack, along with annual statements or benefit summaries. These often include your policy number, which you can then use to register for MyWorkplace or verify details by phone.
Use Penny (or a Similar Service)
Pension-tracing services like Penny can help you locate multiple lost pensions—even if you’re uncertain who the providers might be. These services pull information from your personal details and employment history, saving you the effort of calling multiple providers or searching through countless documents. If you think you may have more than one pension lurking around, this could be a convenient option.
Ready to Track Down Your Aviva Pension?
Whichever method you choose—creating an online account, making a phone call, consulting a financial adviser, sifting through paperwork, or using a tracing service—reconnecting with your Aviva pension is well worth it. After all, every pot of retirement savings can make a difference when planning your future. If you suspect you have an Aviva pension, why not start today? It’s a simple step toward getting a clear view of your overall retirement picture.
