I have had a very lengthy and unhappy time trying to cash-in an Aviva insurance policy that I have been paying for nearly 25 years (the policy was originally Friends Provident, but taken over by Aviva). Around 2020 a letter was sent to me by Aviva which was, for some reason, returned to Aviva with an "address unknown" notice. I was totally unaware that this had happened. Without any further notification to me, either by phone or e-mail, Aviva then put me on some list, that had me down as a potential scammer. About 3 years later I submitted a Cash-in form and was told I needed to supply additional documentation, including driving licence, passport, bank statements, utility bills, etc. to show my address. This I did, but I was then told they needed to be certified by a solicitor or someone similar. This I did, where possible (they do not certify printout of bills, statements, etc. as there is no original for comparison). Aviva were giving me various excuses why they could not pay from, asking for evidence of change of address (I did not change my address) or "This was caused by a system issue " or asking for documentation that had already been sent. Many weeks and many phone calls followed before finally submitting a official complaint and eventually getting my money about 2 weeks later. During the whole process, they never once explained to me that a letter had been returned to them. All the call-handlers could understand my problem, (proving my ID and address) but the service I got from the so-called security team was absolutely abysmal, bordering on criminal. I will never ever go near Aviva again.