Aviva car insurance review

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, among others.

See the table below for what’s included in each option of Aviva car insurance.

What are Aviva’s different policies?

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.

• Car Insurance

  Aviva’s comprehensive policies cover for loss or damage, uninsured driver cover, vehicle recovery, driving someone else’s car if you’re over 25, legal costs and motor injury protection.

• Multi Car Insurance

  Multi Car policies have the same cover as above, the difference is you can have up to 5 vehicles on the same policy if they’re all registered at the same address. And get a discount for doing so.

• Electric Car Insurance

  This policy includes cover for stolen or damaged batteries and other accessories unique to an electric car, such as charging cables and wallbox chargers installed in your garage. If your battery runs out of juice a mechanic will come to charge it for you so you can get to a charging point or back home, depending on which is closer.

• Telematics Car Insurance

  Telematics insurance uses technology to calculate a premium based on how you drive. If you’re aged 17–24 and are a safe driver, you can save money on your insurance with this type of policy.

• Van Insurance

  With this policy you can get cover for a van under 3.5T GVW, including box vans, light vans, pick-ups and electric vans. Benefits include cover for tools, glass replacement or repair for your van’s windscreen, sunroof or windows and replacement locks if your keys are lost or stolen.

• Third Party, Fire and Theft

  If you want more than the legal minimum but don’t want to pay for comprehensive insurance then this type of insurance is for you. It will cover for fire and theft, liability to a third party and has a no-claims discount, but it won’t cover any damage to your own vehicle.

• Business Vehicle and Van Insurance

  If you have a vehicle or van that you use for work then you’ll need business insurance. Comprehensive cover includes replacement vehicles so you can keep working, tool cover and passenger cover for colleagues.

• Temporary Car Insurance

  This is great if you’re test-driving new cars, using your car for work or going on a short trip. You can get cover from just 1 hour to 30 full days.

• Learner Driver Insurance

  You can get insured for when you need, from just a few hours to a few months. It gives you the flexibility you need while you’re learning, especially if you’re not driving the same car all the time.

• Classic Car Insurance

  Cover for your pride and joy, whether it’s defined as a modern classic, classic, vintage or veteran.

• Motorhome and Caravan Insurance

  Suitable if you want a short break or you’re going away for a while, with up to 365 days of European travel cover for motorhomes or up to 90 days for campervans.

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.