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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.
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.
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 cover||✓|
|Liabilities to third parties||✓||✓|
|Hotel and alternative travel costs||✓|
|No claims discount||✓||✓|
|No claims discount protection||Optional|
|Permanently fitted audio equipment||✓|
Aviva offers a range of additional protection to bolt onto your policy, including:
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.
You will need to provide the following information:
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 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’s what customers said about Aviva:
“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 December 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 1,800 reviews.
Customers praised the ease of use and great service, but several complained about price hikes on renewal.
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.
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
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