The temporary car insurance policies offered by Aviva are comprehensive as standard. If customers already have an annual car insurance policy with Aviva, the insurer says that any claims made on a temporary policy won’t affect the customer’s annual no-claims discount. Here’s what else we think you should know about the UK’s largest insurance provider.
Who is Aviva?
As the largest general insurance provider in the UK, Aviva offers an extensive range including car, van, motorbike, travel, pet, home and life insurance. As well temporary car insurance, Aviva also offers learner driver, annual and multi-car policies.
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’s insurance?
Although specialist Dayinsure provides Aviva’s temporary car insurance, all 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.
Aviva UK Digital Ltd and Dayinsure.com Ltd are also both authorised and regulated by the Financial Conduct Authority.
What does Aviva’s comprehensive cover include?
The highest level of cover comes as standard. If you are responsible for causing an accident, you’ll be protected for damage to other people’s vehicles or property and for your own vehicle. Your car will also be covered against accidental damage, vandalism, fire damage and theft. You can choose cover from just 1 hour to 30 days.
Here are some of the benefits of Aviva’s temporary car insurance:
- Accidental damage
- Fire and theft damage
- Accident recovery
- Third party EU cover
- Emergency treatment
- Legal liability
- Full EU cover (optional)
- Breakdown cover (optional)
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 increasing a voluntary excess, which should lower your premium, but make sure you’ll be able to afford to pay this amount if you have an accident.
All temporary car insurance policies offered by Aviva have a compulsory excess of between £250 and £1,250, depending on factors like the length of cover required, the age and experience of the driver and the age and condition of the vehicle.
You’ll find details about any compulsory or voluntary excesses in your policy document.
What is the claims process for Aviva?
Call the 24/7 DayInsure claims line on 08000 156 166 to make a claim.
You will need to provide the following information:
- Your own insurance policy details
- 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 straight away, even if it wasn’t your fault. Failure to do this could result in a rejected claim later on.
Pros and cons for Aviva
- Comprehensive cover as standard
- The cover can begin instantly
- Making a claim won’t affect a no-claims discount built up on an annual policy
- Limited third party EU cover as standard
- Cover for a maximum of 30 days only
- Can only pay upfront
As the uk’s largest insurance provider, the Aviva name is recognised as a trusted one.
Size isn’t everything, of course, but Aviva’s temporary car insurance is comprehensive as standard, giving you peace of mind that you are properly covered for your journey. As a top provider, Aviva can be a bit more expensive, but ultimately you get what you pay for.
Some temporary insurance providers allow customers to obtain cover for more than just 30 days, so do shop around if that is what you need. Lastly, it is always worth checking the small print for any restrictions, especially if you are planning to travel abroad – Aviva only offers limited EU cover as standard, though further cover can be added to the policy.
Depending on your requirements, temporary car insurance from Aviva can be a strong option.
Get started by visiting Aviva’s website and sign up for a policy. If you have read this review and decided that Aviva temporary car insurance is not for you, you can also compare other temporary car insurance policies on the market.
Frequently asked questions
More guides on Finder
Starling Bank boosts interest rate for current account holders
The new rate of 3.25% for current accounts kicks in from 1 October for both new and existing customers. Here’s what you need to know.
Using Revolut abroad: Is it the right app to use?
Learn more about using Revolut abroad and if it is the right choice.
Using Monzo abroad: Is it the right app to use?
We look at how Monzo could benefit those travelling overseas.
Weekly share tips: Why Next is one to watch
Why George Sweeney believes Next is one to watch. This week’s share tip. Not financial advice or a recommendation.
Compare high street banks in the UK
If you don’t feel like you’re getting much from your bank account, switching has never been easier! Banks and building societies offer up cash and vouchers when you switch, and will handle the boring bits for you.
Compare switching deals in the UK
Compare features like cash incentives, overdrafts, interest rates and see if you’re getting the most from your current account.
Zebu Live 2023 takes centre stage during London Web3 Week
Zebu Live 2023 is returning to London this October as part of London Web3 Week. Get 25% off tickets with Finder.
5 steps to financial wellness
If your money habits are in need of a makeover, follow these 5 steps to help boost your financial wellness.
Winners of the Finder Investing & Saving Innovation Awards 2023 announced
Now in their fourth year, these awards recognise the investing and saving providers displaying the best innovations in their field.
The cheapest countries to study in Europe in 2023
Costs to study in Europe, when including tuition fees, rent and living costs, vary, but here are the cheapest countries for students.