Aviva car insurance review

11 min Read Published: 24 Jun 2021

Who is Aviva?

Aviva car insurance logoAviva is one of the largest car insurance providers in the UK and also offers a range of general insurance, life insurance, health insurance and investments products. Aviva is also one of the oldest insurance companies in the UK with roots as far back as 1696 and was created when Norwich Union and CGU plc merged in 2000.

Aviva car insurance policy types

Single car insurance

Aviva car insurance can provide either fully comprehensive or third party fire and theft cover and we explain each in detail below.

Aviva comprehensive car insurance policy

The Aviva comprehensive car insurance policy will provide the following:

  • cover if your vehicle is lost, stolen or damaged
  • liability cover if you injure somebody or damage their vehicle or property in an accident
  • if you are involved in an accident and your vehicle is not roadworthy it will be taken to a garage approved by Aviva
  • cover for driving a car belonging to another person (if you are over 25)
  • cover for legal costs if you are involved in an accident
  • cover for you, your partner and named drivers for death or serious injury after a motor accident
  • individual no claim discount

Aviva third party fire and theft car insurance policy

The Aviva third party fire and theft car insurance policy will provide the following:

  • loss or damage to your car due to fire, theft or attempted theft
  • protection and removal of your vehicle if damaged by fire, theft or attempted theft
  • cover for legal costs if you are involved in an accident

Multi-car insurance

You can insure up to 5 vehicles registered at the same address on one policy and get 10% off your insurance premiums. You can set different levels of cover, policy options and excess for each vehicle with each vehicle's no claim discount kept separately. There is only one set of paperwork to deal with and one renewal date for all vehicles covered.

Aviva car insurance extra benefits

There are a number of additional benefits available with Aviva car insurance which can be selected at an additional cost.

Breakdown Cover

Aviva offers three levels of Breakdown cover

Rescue Breakdown Cover

A mechanic will be sent to your location to fix your car (or caravan/trailer) at the roadside. If the mechanic cannot get your vehicle back on the road, a recovery vehicle will take you, your passengers and your vehicle to a location within 10 miles of the breakdown. If you choose to be taken to a local garage, you and up to 7 passengers will be reimbursed for a taxi fare of up to 20 miles from the garage.

Recovery Breakdown Cover

Breakdown cover as above but the vehicle recovery benefit will allow you to be recovered to anywhere within the UK. If you become medically unfit to drive during a journey, and there is no other registered driver in the vehicle, compassionate relay assistance is provided at the AA’s discretion.

Rescue, Recovery & At Home Breakdown Cover

The most comprehensive cover available where, in addition to the above, you are also covered for breakdowns that occur within a quarter of a mile of your home address.

Breakdown Cover cost

The cost of Aviva’s breakdown cover is not available online as their policies are individually tailored.

The cost of your cover will depend on:

  • the type of policy
  • the level of cover
  • your address
  • your vehicle, its age, its mileage and how often it has broken down in the last 12 months

Protected no claim discount

If you have earned 3 years or more No Claim Discount (NCD) then you can protect your discount by paying an extra premium. With this 'protected' no claim discount you can make one claim each year without this affecting your current no claim discount. We explain how protected and unprotected no claim discounts can be impacted by making a claim below.

Current NCD Number of claims made during period of insurance NCD from next renewal (protected) NCD from next renewal (unprotected)
1 or 2 years 1 or more protection unavailable 0
3 years 1 3 years protected 1
2 1 year 0
3 or more Nil 0
4 years 1 4 years protected 2
2 2 0
3 0 0
5 years or more 1 5 years or more protected 3
2 3 0
3 or more 0 0

Motor Legal

Up to £100,000 in legal costs paid if you are in a car accident that is not your fault or compensation for personal injury from the person responsible. An Aviva designated lawyer will assess your claim and must believe that it is more likely than not to succeed. A 24-hour legal advice helpline provides confidential legal advice relating to your claim.

Windscreen insurance

If you have comprehensive Aviva car insurance cover, the cover will extend to include your windscreens, sunroof and windows and the policy excess will apply. If you have an Aviva third party, fire and theft policy any windscreen damage will be covered only if it is caused by an accident, fire or theft. Any other windscreen damage caused by stones etc. are not covered and will be the vehicle owners responsibility to repair.

How do Aviva extra car insurance benefits compare with other insurers?

Aviva Direct Line LV NFU Mutual
Guaranteed Hire Car Yes Yes £9.90 for small hatchback, £29.90 for similar car to own limited to 1 litre hatchback
Transport after accident Yes Yes No Yes
No Claim Discount Protection Yes Yes Yes No
Breakdown Cover individual cost calculation from £25 p.a. from £26 p.a. from £19.99
Motor Legal Protection (£100,000) £29 p.a. £28 p.a. £25.99 p.a Free
Multi-car Discount Yes Yes Yes No
Black Box available No Yes No No
Admin fee for policy amendments No No £15 No
Available on comparison sites No No Yes No

How your personal information can affect your Aviva car insurance premium

Aviva will take a number of personal factors into consideration when calculating your car insurance premium, including:

Where you live

The postcode of your main residence can affect your car insurance premium due to increased traffic or motor crime in the area.

Your age

Drivers under 25 or those over the age of 75 are statistically more likely to be involved in an accident.

Average miles driven

Driving above average miles each year.

Type of vehicle

Expensive or high-powered vehicles are more expensive to insure.

Driving history

Having a history of motor accidents or convictions will increase your car insurance premiums

What other factors impact my Aviva car insurance premium?

The two other factors that are likely to impact your Aviva car insurance quotes are:

Total number of motor insurance claims

An increase in overall claims and in particular personal injury claims, such as whiplash could have an impact on the premiums.

More expensive repair costs

An increase in the cost of car parts and other repair costs.

How much does Aviva car insurance cost?

  Age 35 Age 45
Volksgagon Golf 4 Motion £1,199.00 £1,019.00
Ford Focus 2.0 £996.00 £847.00
Vauxhall Insignia SRI £964.00 £817.00
Mercedes Benz A 200 £939.00 £832.00

Quotes were compiled using the following criteria:

  • comprehensive cover
  • voluntary excess of £350
  • no accidents in the last 3 years
  • no motoring offences in the past 5 years
  • premium paid annually
  • year of car manufacture 2018

How to make a claim with Aviva

What you need in order to make a claim

  • your policy number and documents
  • your vehicle registration number
  • details of what happened and when
  • details of any other vehicles, people or property involved
  • contact details for any witnesses
  • crime reference number if applicable

How to contact Aviva when making a claim

Aviva encourages policyholders to contact them online if they need to register a claim. Aviva online service is available 24/7, 365 days a year with dedicated experienced teams to provide an excellent service.

What happens next?

Aviva uses modern technology including video calls and photography to engage with its team of motor engineers to understand the full details of the repairs required and endeavour to get you back on the road as soon as possible.

Aviva customer reviews

Aviva is rated as 'Excellent' on Trustpilot with a score of 4.5 from over 6,000 reviews. 60% of reviews rate Aviva as 'Excellent' and 8% as 'Great' citing a simple to navigate website and excellent helpline service.

Why does Aviva not appear on comparison sites?

Aviva will not appear on comparison as they prefer their policies to be judged on the overall policy features and additional benefits available.

Summary

Aviva is one of the UK's biggest insurers offering a wide range of insurance and investment products. They have invested heavily in communication technology to provide their customers with the best and quickest service to suit their needs. Aiva does not appear on comparison sites as they feel their policies and service should be considered not just cost alone. Aviva is rated as 'Excellent' on the customer review site 'Trustpilot'.

Further reading

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