Car insurance aviva reviews on washers
Find out all you need to know about Aviva car insurance and how its car insurance policies are rated in terms of cover.
Aviva car insurance
Need to know:
- No admin charges for online policy changes
- Full repair cost for windscreens, windows and sunroofs
- Uninsured driver promise
Table last updated in January 2017. Next updated in July 2017.
Aviva car insurance policy scores
We analyse and rate the 53 most important elements of standard car insurance policies to come up with the overall policy score. We assess how important each individual element is to drivers when choosing and using a car insurance policy, and weight it accordingly when calculating our total policy score. Initially, we score all of the product elements out of five, reflecting how competitive each provider is in this area compared with other insurers. Weightings are then applied to the higher and lower element scores to enhance/reduce their impact in the overall product score.
|Most important policy elements|
|Interest charged on payment by instalments (APR)|
|No fault no claims discount (NCD) benefit?|
|Uninsured driver NCD benefit?|
|NCD protection claims (number per year)|
|Theft of keys limit|
|Fire excess (standard compulsory)|
|Theft excess (standard compulsory)|
|Accidental damage excess (standard compulsory)|
|Secondary policy elements|
|Personal belongings limit|
|Medical expenses limit|
|Liability limit for property damage (including legal expenses)|
|Keys in car exclusion|
|Duplicate documents fee|
|Cancellation fee within cooling off period|
|Cancellation fee after cooling off period|
|Loss of keys limit|
|Uninsured driver excess benefit|
|Courtesy car - guaranteed availability|
|Courtesy car limit|
|Windscreen replacement excess (standard compulsory)|
|Driver under 21 excess (standard compulsory)|
|Driver 21-24 excess (standard compulsory)|
|Other policy elements|
|Notice if insurer cancels|
|Audio limit - manufacturer|
|Sat Nav limit - manufacturer|
|Child car seat cover|
|New car replacement - damage|
|New car replacement - period|
|Total loss courtesy car|
|Total loss courtesy car period|
|Windscreen repair excess (standard compulsory)|
|24 hour emergency helpline|
|24 hour windscreen helpline|
|24 hour legal advice helpline|
|Credit card fee|
|Driving other cars extension|
|Driving other cars - emergency cover only?|
|Driving other cars - only covers main policyholder?|
|Driving other cars - cover in Europe?|
|Windscreen damage - claim affect NCD?|
|Windows damage - claim affect NCD?|
|Sunroof damage - claim affect NCD?|
|Driving abroad - courtesy car cover?|
|Driving abroad - Days per trip comprehensive cover available|
|Driving abroad - Days per year comprehensive cover available|
Aviva is the largest general insurer in the UK, and can trace its history back to 1696. However, the ‘Aviva’ name – an invented word derived from ‘viva’, the Latin for ‘life’ – was adopted in 2002.
You can get a car insurance quote from Aviva's site.
The company has operations in countries around the world, and offers a variety of financial products, including insurance, pensions and investments.
One of the major players in the motor insurance market, Aviva’s policies are not available through price comparison sites. This seems to be because their policies have a large number of features so may be set up to appeal on quality rather than price alone.
Overview of cover provided by Aviva car insurance
As most motor insurers, Aviva offers two main car insurance policies: ‘comprehensive’, versus ‘third party, fire and theft’.
Comprehensive cover offers the most benefits, including cover for personal belongings, locks, windscreens and audio equipment, as well as transport and recovery services, medical expenses and cover for tools and child seats.
Comprehensive cover also includes Aviva’s ‘uninsured driver promise’, which means if you’re hit by an uninsured driver and it wasn’t your fault, your no claims discount won’t be lost and Aviva will refund any excess you’ve had to pay. Aviva also offers customers the option to guarantee their no claims discount for the life of their insurance policy, providing they have at least five years’ no claims discount, are aged 21 or over and have a minimum excess of £250 on their policy.
A number of optional extras are available for comprehensive cover, including legal support, enhanced courtesy car services, foreign use cover and personal accident cover.
Aviva car insurance is only available direct through the company. You can obtain a quote by visiting their website.
How much does Aviva car insurance cost?
As with all car insurance providers, it’s difficult to make generalisations about policy costs because they depend so heavily on the circumstances of the driver(s) buying, the car being insured, the area they live in and so on. However, since Aviva’s insurance products aren’t available on price-comparison sites you can be assured you’re getting their best deal by going straight to the company itself.
Because Aviva offers a number of driver guarantees, such as no claims discount protection and their uninsured driver promise, the policy might seem more expensive but it is also worth bearing in mind that these features could save you significant money in the long run, should you ever need to make a claim.
Get a tailored quote here.
What do Aviva’s customers say?
Money.co.uk asked Aviva car insurance customers for their feedback across four areas: customer service, flexibility and fairness, product features and value for money. Aviva scored four stars out of five for each of these categories, giving the company an overall score of 4/5.
What do the experts say?
In a review by Which? that reviewed 30 different car insurance providers, Aviva ranked 6th overall, formed of a customer score of 64% and a Which? policy score of 75%, creating an overall score of 69%.
According to Fairer Finance, which rates companies based on factors such as transparency and complaints handling, Aviva ranks 14th among UK car insurance providers, earning a Fairer Finance bronze award with an above average score of 61%.
Get Product 13th October 2016
A van rolled down a hill into my parked car. Aviva did everything for me arranged a hire car, my car was picked up for repair & dropped off afterwards. I didn't have to do anything, it was totally stress free, I was kept up to date by my own assigned insurance...Read more
A van rolled down a hill into my parked car. Aviva did everything for me arranged a hire car, my car was picked up for repair & dropped off afterwards. I didn't have to do anything, it was totally stress free, I was kept up to date by my own assigned insurance claim handler - can't fault themKaren HardwickLevel 1(1)
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