Considered by many in the Commercial Insurance arena to be somewhat of an 'also-ran,' particularly by London Market standards, Aviva is continually proving that it is moving with the times.

Notwithstanding it's personal telematics app (see Aviva Drive), it has set up an InsTech accelerator in London - the Aviva Digital Garage - to support the development of new technologies to benefit both its customers and the sector.

Tie in the firms recent announcement of a significant profit rise, and a Solvency II ratio of 180%, and Aviva looks ready to weather whatever the industry throws at it.