The biggest insurer in the UK came tops for car insurance in our 2020 customer satisfaction awards. However, 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 in Finder’s 2021 customer satisfaction were generally positive about their experience of Aviva, calling the service “reliable” and “trustworthy”.
One said: “When my car was written off, they looked after me.”
However, a few found their Aviva premium on the expensive side.
Aviva won the top prize in the car insurance category in our 2020 customer satisfaction awards, with 5 out of 5 stars and 91% of customers saying they would recommend the service. But in 2021, this fell to 3.5 stars and 72% of customers recommending the brand.
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
Revolut Pro review: A business account for freelancers
Our review explores the new Revolut Pro account designed specifically for freelancers, including its cashback offer and instant payment options.
Best time to invest in stocks
Find out the best time to invest in stocks, the risks involved, plus a range of different strategies to consider when investing.
Technical analysis for trading
Find out everything you need to know about technical analysis to help you become a better trader.
How much pension do I need to retire?
We explain how to work out the retirement income you’ll need, and what you can do if you haven’t saved enough.
Credit cards with travel insurance for 2022
Find out whether a credit card with included travel insurance could work for you.
Siemens washing machines, dishwashers and other appliances – Reviews by owners
Siemens makes plenty of appliances to kit your kitchen out, including built-in ovens, ovens with integrated microwaves and double ovens. Find out what customers think of Siemens appliances.
Retirement and pension advice
We explain the free and paid-for advice that’s available if you need help to understand your retirement options and make the right choices.
Halifax international transfer fees calculator and review
Halifax offers different ways to send money overseas to friends and family. Check the exchange rates, fees and features in our review, and compare your options.
Is my pension lump sum taxable?
Under pension freedoms, you can usually take 25% of your pension as a tax-free lump sum. Here’s what you need to know.
Plum pension review
Plum’s clever micro-saving algorithm makes it easy to drip-feed your retirement savings. But is its personal pension worth having overall?