We’ve analysed Aviva’s car insurance to help you decide if this major insurer, which also offers multi-car and temporary cover, can give you a good deal.
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. The UK’s largest insurance provider also promises to pass on exclusive discounts to customers buying car insurance online. Here’s what else you should know.
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.
What are Aviva’s levels of cover?
To be on UK roads, all drivers are legally required to have at least third party car insurance. Aviva doesn’t offer third party on its own, but it does offer two higher levels of cover.
Third party, fire and theft
If you are responsible for causing an accident, you’ll be protected for damage to other people’s vehicles or property. You’ll also have protection against any fire damage or theft of your car.
This is the highest level of cover on offer through Aviva and will provide the same protection as TPFT as well as insuring your vehicle against accidental damage and vandalism. It’s always worth checking the cost of comprehensive as it can be cheaper than third party or TPFT.
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.
Any cover offered by Aviva is likely to become invalid if any of the following arises:
- You change the use of your car from its original use. For example, changing from social domestic and pleasure to business use.
- Your car is being driven by an unnamed driver on your policy or by a person that does not have a valid driving licence.
- You use your car at rallies, races or competitions.
- You are paid to carry passengers.
- You fail to pay for your premium.
- You change your car during the policy term to a car that the insurer cannot cover.
- You do not provide the correct documents to support your application.
Check your policy for further details to confirm your cover is valid.
How to save on your car insurance policy through Aviva
- Buy online. For all online policies purchased, Aviva will pass on a saving of up to 20%.
- Increasing security. If your car is not currently fitted with an alarm, think about adding one to reduce your premium.
- Having a secure location to park your car. Cars kept in a garage or on a secure driveway are usually cheaper to insure.
- Reduce mileage. If you start working part-time or your long commute becomes much shorter, letting your insurer know about a reduction in your mileage could result in cheaper insurance.
- Fewer drivers. Only add drivers to your policy that regularly drive your car.
- Larger excess. Agreeing to pay a bigger voluntary excess could make your overall premium cheaper. But remember that your insurer won’t pay out for a claim that costs less than your excess. So be careful about making it too high, as it could leave you out of pocket if damage occurs.
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 should call the Aviva claims line on 0345 030 6925 to make a claim.
This is a 24 hour claims line open seven days a week. Alternatively, you can make a claim online at www.aviva.co.uk/make-a-claim.
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.
Frequently asked questions
*Disclaimer: Please take reasonable care to answer all the questions honestly and to the best of your knowledge. If you don’t answer the questions correctly, your policy may be cancelled, or your claim rejected or not fully paid.
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