Aviva is the largest general insurer in the UK but did you know it could also insure your motorbike? It also offers riders the option to upgrade protection and add breakdown recovery for European road trips.
Aviva provides the standard levels of motorbike insurance, and with its higher level policies, it offers a new motorbike replacement if yours is badly damaged or stolen within six months of buying it new. Here’s what else we think you should know about this major insurer.
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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, 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?
What is covered under my motorbike policy with Aviva?
|Cover benefits||Third party||Third party, fire and theft||Comprehensive|
|Liability to other people||✓||✓||✓|
|Fire and theft||–||✓||✓|
|Unlimited third party EU cover||–||–||✓|
Check your policy details carefully to ensure you have the right cover for your needs.
Aviva offers a range of optional extras to provide increased protection in certain areas. Some of the additional cover options to bolt onto Aviva motorbike insurance are:
- Higher level of foreign use cover
- European breakdown cover
- Motor legal expenses
Any motorbike cover offered by Aviva is likely to become invalid if any of the following arises:
- You change the use of your motorbike from its original use. For example, changing from social, domestic and pleasure to business use.
- Your motorbike is being used by an unnamed rider on your policy or by a person that does not have a valid motorcycle licence.
- You use your motorbike at rallies, races or competitions.
- You fail to pay for your premium.
- You change your motorbike during the policy term to a motorbike 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 motorbike insurance policy through Aviva
- Increasing security. If your motorbike is not currently fitted with an alarm, think about adding one to reduce your premium.
- Having a secure location to park your motorbike. Motorbikes 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 riders. Only add riders to your policy that regularly ride your motorbike
- Ride safely. Safer drivers spend less on motorbike insurance – a history of speeding tickets or claims against your insurance will increase the cost.
- 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 have agreed to pay towards a claim. Your insurer won’t pay out for a claim that costs less than your excess. A compulsory excess amount might vary depending on the age of your motorbike and your riding 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.
Aviva has a compulsory excess for riders aged 20 or younger are subject to a £100 excess while riders aged between 21 and 24 must pay £50 excess.
You’ll find details about any compulsory or voluntary excesses in your policy document.
What is the claims process for Aviva?
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