The biggest insurer in the UK gets good customer feedback, but it’s worth knowing that you don’t get a courtesy car as standard in comprehensive cover – some other policies do include this. Here’s what else you need to know.
Who is Aviva?
While Aviva has roots as far back as 1696 – in the “age of highwaymen” – it was essentially created when Norwich Union and CGU plc merged in 2000. Although known as CGNU after the merger, the name Aviva was adopted a short time later in 2002.
The Aviva Group is made up of several businesses, including Aviva Insurance Services UK Ltd and Aviva UK Digital Ltd, amongst others.
Who underwrites Aviva car insurance?
Aviva car insurance policies are underwritten by Aviva Insurance Ltd.
Aviva Insurance Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
What are Aviva’s cover options?
With every comprehensive car insurance policy, Aviva says it guarantees protection against uninsured drivers, and covers you to drive someone else’s car if you’re aged 25 or over. Aviva also offers third party, fire and theft cover. These are annual policies and there’s an admin fee if you cancel them once cover’s started.
In a bid to offer a more flexible option, Aviva launched AvivaPlus, a type of pay-as-you-go deal. With AvivaPlus, you pay monthly (without paying interest for the privilege), and you can cancel or change the cover without incurring an admin fee. There are 3 levels of cover: Basic (a stripped-back version of comprehensive with no courtesy car or cover for windscreen mishaps), and Regular and Premium versions of comprehensive. Premium gets you a better courtesy car, higher cover levels and driving abroad, among other benefits. Surprisingly, Regular includes no cover for driving abroad.
See the table below for what’s included in each option of Aviva car insurance.
|Product Name||Third party, fire and theft||Comprehensive cover|
|Damage to your car||✓|
|Damaged windscreen and window glass||✓|
|Fire and theft||✓||✓|
|Personal accident cover||✓|
|Liabilities to third parties||✓||✓|
|Alternative travel costs||✓|
|No claims discount||✓||✓|
|No claims discount protection||Optional|
|Permanently fitted audio equipment||✓|
Aviva’s optional extras
Aviva offers a range of additional protection to bolt onto your policy, including:
- Breakdown cover. Aviva offers a variety of levels: Roadside Assistance, Recovery and At Home and Onward Travel.
- Courtesy car. Aviva offers standard and enhanced options of a replacement car.
- Motor legal. Aviva will help to recover any compensation or financial loss after an accident that wasn’t your fault.
- Enhanced European cover. You’ll be covered to drive in most European countries beyond the basic minimum that’s included.
- No-claims discount protection. Your premium will stay when you come to renew even after making one claim.
- Motor Injury Protection Plus. You, your partner or any named drivers will receive injury cover and physiotherapy after an accident.
What is my excess?
Your car insurance excess is the amount of money you will need to pay towards a claim. Your insurer won’t pay out for a claim that costs less than this amount. A compulsory excess amount might vary depending on the age of your car and your driving experience.
A voluntary excess is on top and is normally set by you when taking out a policy. You’ll have the option of adding or increasing a voluntary excess – which should lower your premium.
You’ll find details about any compulsory or voluntary excesses in your policy document.
What is the claims process for Aviva?
You will need to provide the following information:
- Details about the incident
- Names and contact details of everyone involved in the incident such as third parties, passengers and witnesses
- Details about the damage or injuries sustained
It’s vital that you let your insurer know about an incident as soon as possible, even if it’s not your fault. Failure to do this could result in a rejected claim later on.
Aviva car insurance customer reviews
Customers who took part in Finder’s 2023 customer satisfaction survey were positive about Aviva, with many highlighting its good customer service.
One customer said, “Aviva gave me the best price. They are great at communicating.”
Aviva received an overall customer satisfaction score of 4.5 out of 5, and 82% of customers said they’d recommend the brand to a friend.
Pros and cons for Aviva car insurance
- EU cover is an optional extra
- No courtesy car as standard
Aviva is the biggest insurance provider in the UK and, while size isn’t everything, its policies generally deliver. It gained 5 stars in our 2020 Finder Customer Satisfaction Awards for car insurance, but in 2021 it slipped down the rankings a little.
That said, you get what you pay for, so Aviva’s policies are not the cheapest on the market. Of course, everybody’s circumstances vary and so it’s always worth getting a quote.
If you have read this review and decided that Aviva is not for you, you can also compare other car insurance policies on the market.
Frequently asked questions
More guides on Finder
Find out the winners of the Finder Investing & Saving Innovation Awards 2023!
The winners of the Finder Investing & Savings Innovation Awards and the inaugural People’s Choice Awards 2023 are revealed.
Nationwide launches new £200 switching offer
Nationwide has launched a new £200 switching offer when you open one of its 3 main current accounts and access to a regular saver at 8% AER.
How to buy Imagination Technologies shares when it goes public
Everything we know about the Imagination Technologies IPO, plus information on how to buy shares.
Credit card fraud statistics
£556.3 million was lost to UK credit, debit and other payment card fraud in 2022. We look at the latest statistics on card fraud in the UK.
Instacart IPO: Bargain tech stock or pricey top-shelf share?
The much-anticipated Instacart initial public offering (IPO) took place on Monday, 18 September, giving the market more momentum after Arm’s IPO last week.
How to invest in ETFs
Find out how to invest in ETFs, where UK investors can buy and sell exchange-traded funds, and what to look out for.
How to buy Birkenstock (BIRK) shares when it goes public
Everything we know about the Birkenstock IPO, plus information on how to buy shares.
How to buy Klaviyo (KVYO.US) shares
Everything we know about the Klaviyo IPO, plus information on how to buy shares.
How to buy RC365 shares
Learn more about RC365 recent performance and where you can invest in RC365 shares. We also run through some helpful rules of thumb for any investor
How much does it cost to raise a child in the UK?
Having children can add great joy to your life, but it’s also undeniably expensive. So, what is the average cost of raising a child in the UK?