An Aviva life insurance gym discount, where there is one, comes through the DigiCare+ app: Aviva's page for it lists "Gym and fitness discounts" among the benefits that come with Aviva's Life Insurance Plan, its Critical Illness Plan and its Over 50s cover. Aviva calls these benefits non-contractual, which means it can change or withdraw them, and the page names no gym chain, David Lloyd included (read 27 October 2026).

A gym perk is a thin reason to pick between insurers. Anyone who would rather have each Aviva plan walked through can ask an FCA-authorised broker to ring them. Contact details for the form on this page are all it takes, and there is nothing to pay for the call-back.

What does Aviva say about gym discounts in DigiCare+?

Aviva describes DigiCare+ as an app of health and wellbeing services, provided by Square Health and other third-party providers. Its full list of benefits includes one entry for gyms:

Discover discounts on gym memberships and fitness services to help keep your physical health on track.

That entry has no percentage, no price and no list of clubs, so the page cannot tell you how large a saving to expect or where it applies. The list also has eight online personal training sessions a year, available Monday to Saturday, which are a separate entry from the discounts. Aviva says the terms and conditions for the services are in the app, to read before you sign up to them.

Which Aviva life policies come with the app?

Aviva gives two lists. For policies bought direct, it says: "You purchased Aviva Life Insurance, over 50 Life Insurance, or Critical Illness cover directly from Aviva from 14 April 2021". For policies bought through an adviser, its list includes new customers taking out Life Insurance+, Critical Illness+ or Whole of Life Insurance+, and Friends Life protection policies bought through an adviser from November 2011 that are still in place. It also says that anyone who bought an Aviva options or Aviva+ policy from January 2015 is included, "this excludes Business Life Insurance Options, Relevant Life Insurance and Simple Life Insurance".

You can use the app "from your policy start date", with your policy number or the activation code from your invitation email. Aviva adds that residency restrictions apply, and that charges for some services may apply. The annual health check, for example, costs £39.95.

Which of those plans suits you, and which of them carry the app, is something the broker can run through with you once you request the call-back on the form.

Is there a David Lloyd offer with Aviva life insurance?

Aviva's DigiCare+ page does not mention David Lloyd, and neither does its Get Active page. Both speak only in general terms, gym memberships on one and over 3,500 clubs on the other. So there is no David Lloyd discount to report from Aviva's pages, and also no way to tell from them which chains the offers cover. Aviva says the terms and conditions for the app's services can be read in the app before you sign up, and that is where the participating clubs would be set out.

For an insurer that does name its gym partners, the Vitality gym discount guide sets them out and answers the David Lloyd question for Vitality too.

Does Aviva promise to keep the gym discounts?

No, on Aviva's own wording: "These services are non-contractual benefits Aviva can change or withdraw at any time." In its video transcript Aviva adds that the app is not part of your policy agreement and that "It has no impact on your policy."

Aviva also sets out how it wants you to weigh the app: "The main reason for taking out one of our policies should be the financial protection it provides, not the benefits of Aviva DigiCare+." A discount that can be withdrawn is a reason to read the cover first. For other insurers' extras and gift offers, the life insurance discounts guide and the LV= member benefits guide cover what each says.

What is Get Active, and is it an Aviva life insurance perk?

Not on Aviva's published pages. Get Active is a separate Aviva scheme, on Aviva's workplace website. It offers discounted lifestyle products and money-saving offers at over 3,500 health and fitness clubs, supplied by Epassi UK through MyWellbeingDiscounts. Aviva's wording about who gets it is: "If you have access to Get Active as part of your policy with Aviva, this service is available at no additional charge."

Registration needs an access code "provided in your policy literature". Aviva's page does not say that life cover bought as an individual comes with Get Active, so the test is whether such a code appears in your own papers, not the name of the product. Aviva also says that signing up to some offers, such as health and fitness clubs, means entering a binding contract that may carry a minimum term and monthly fees. Like DigiCare+, it is described as a non-contractual benefit that Aviva can withdraw or change at any time.

What else is in the app besides gym discounts?

The list runs from a Digital GP and a nurse line to nutrition sessions and mental health support. Because this site is for people close to a death, one entry is worth knowing about: Aviva lists six more counselling sessions in the 12 months after a bereavement, on top of eight mental health sessions, plus a bereavement guide on registering a death and arranging a funeral. Should any of this affect which policy you look at, the broker will be glad to cover it on the call.

Frequently asked questions

Will Aviva pay for my gym membership?

Aviva's DigiCare+ page offers "discounts on gym memberships and fitness services", which is a different thing from paying for a membership. The page does not give amounts, so the app's terms are where to look.

Does a gym discount lower the price of an Aviva policy?

Aviva says the app "has no impact on your policy", and that the app is not part of your policy agreement, so the discounts sit outside the cover itself.