What's in this review?
- Who is Aviva?
- Who underwrites Aviva car insurance?
- Compare Aviva car insurance policies
- What are Aviva's cover options?
- Aviva's optional extras
- What is my excess?
- What is the claims process for Aviva?
- Aviva car insurance customer reviews
- Pros and cons for Aviva car insurance
- Our verdict
- Frequently asked questions
Who is Aviva?
As the largest general insurance provider in the UK, Aviva offers an extensive range of financial products including car, van, motorbike, travel, pet, home and life insurance.
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.
Compare Aviva car insurance policies
What are Aviva’s cover options?
With every comprehensive car insurance policy, Aviva says it guarantees protection against uninsured drivers, provides roadside vehicle repair or recovery, and covers you to drive someone else’s car. Aviva also offers third party, fire and theft cover cover.
See the table below for what’s included in each option.
|Product Name||Third party, fire and theft||Comprehensive cover|
|Damage to your car||✓|
|Damaged windscreen and window glass||✓|
|Fire and theft||✓||✓|
|Personal accident and road rage||✓|
|Liabilities to third parties||✓||✓|
|Hotel and 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.
- European cover. You’ll be covered to drive in most European countries
- 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 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
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.
Here is some of the feedback we got from Aviva car insurance customers:
“Good service when taking out insurance, good quality cover and a reasonable renewal price.”
“They are ok and no real problems but sometimes hard to get hold of on the phone, when other methods aren’t helpful.”
“Easy to deal with and brilliant when claiming.”
“They’ve helped me switch my insurance over easily and they’re helpful online and over the phone.”
“The price is competitive but it is often a bother to log in if you have multiple people in the same house with the same provider.”
Online reviews for Aviva car insurance (updated 28 April 2020):
Things are less favourable on customer review platform Trustpilot, where Aviva as a company has 1.6 out of 5 stars and a rating of Bad, based on more than 1,400 reviews.
Customers praised the ease of use and great service, but several complained about price hikes on renewal.
Pros and cons for Aviva car insurance
- Came tops in our customer satisfaction survey, with 91% of existing customers saying they would recommend
- 24/7 Claims – their team are available 24/7, 365 days a year if you need to make a claim
- Uninsured driver protection included
- Cover to drive someone else’s car available
- Option to pay interest free monthly instalments with a credit or debit card
- 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 deliver. It also gained 5 stars in our 2020 Finder Customer Satisfaction Awards for car insurance.
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.
Frequently asked questions
Car insurance ratings
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
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