Aviva temporary car insurance review

We've analysed Aviva's temporary car insurance to help you decide if this major insurer, which also offers annual and multi-car cover, can give you a good deal.

Last updated:

Aviva car insurance

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.

Compare temporary car insurance quotes

  • Policies available from 1 to 28 days
  • Get instant quotes and instant cover
  • Compare the best prices

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.

Aviva’s policy features

  • Flexible insurance. You can choose cover from just one hour up to 30 days.
  • Comprehensive cover. 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 against accidental damage and vandalism. You’ll also have protection against any fire damage or theft of your car.
  • Unaffected annual no-claims discount. A claim made on a temporary policy won’t affect any annual no-claims discount built up.
  • Instant cover. Get instant cover from the moment you purchase with the process taking around 15 minutes.

What does Aviva’s comprehensive cover include?

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)

Can anyone take out Aviva temporary car insurance?

Unfortunately not. To get short-term car cover, both you and the car must meet Aviva’s eligibility criteria:

  • You must be aged 19-75
  • You must have held a UK, EU, EEA, South African, Swiss, Australian or New Zealand driver’s licence for at least three months (or six months if you’re under 25)
  • You must have had no motoring offences in the previous three years
  • The car must be registered in Great Britain, Northern Ireland or the Isle of Man
  • The car must have a market value of less than £60,000

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.

All temporary car insurance policies offered by Aviva have a compulsory excess of £250 up to £1,250, depending on the length of cover required, the age and experience of the driver and the age and condition of the vehicle amongst other factors.

You’ll find details about any compulsory or voluntary excesses in your policy document.

What is the claims process for Aviva?

Call the DayInsure claims line on 08000 156 166 to make a claim. This 24-hour claims line is open 7 days a week.

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’s not your fault. Failure to do this could result in a rejected claim later on.

Pros and cons for Aviva

Pros

  • 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

Cons

  • Limited third party EU cover as standard
  • Cover for a maximum of 30 days only
  • Can only pay upfront

Frequently asked questions

The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you.
*51% of consumers could save £200. To get this figure, aggregator Seopa selected quotes from popular providers and others, weighting according to market share, and compared the cheapest with the cheapest on its system. Your savings will depend on your own circumstances.
Was this content helpful to you? No  Yes
Go to site