Read our expert review of Aviva car insurance. Find out how we rate Aviva’s policy against 33 other providers.
With more than 18 million customers, Aviva is the largest general insurer in the UK – and one of the biggest five car insurers.
What does Aviva car insurance cover?
Elements marked with a ✓ are covered as standard, those marked with a ✘ are not covered as standard. Elements marked with a £ can be added to a policy as optional extras for an additional cost.
£ Courtesy car
Provides the policyholder with a car to use while repairs are carried out on their vehicle as part of a claim
✓ Personal Accident
Covers the policyholder and passengers if they are injured in an accident
✓ Stolen keys cover
Covers the cost of replacing keys and locks in the event that your car keys are stolen
✓ Lost keys cover
Covers the cost of replacing keys and locks in the event that your car keys are lost
£ No claims discount protection
One claim in each period of insurance
£ Motor legal protection
Covers legal expenses for legal action you might take as the result of an accident
Does Aviva offer the best car insurance?
Here’s how Aviva scored in our latest car insurance survey:
Aviva’s car insurance policy: is it good or bad?
In our analysis of 49 policies, Aviva’s standard policy scored 65% (the average score), coming 23rd.
We liked that its policy guarantees repairs for the remainder of the time the car is insured with Aviva – the guarantee usually lasts for between three and five years elsewhere. Its motor legal protection also covers you to pursue losses against an uninsured third party (which isn’t the case with about half the policies we reviewed).
Less impressive were some comparatively high compulsory excesses. You’re also charged the full cancellation fee (£43) if you leave in the policy’s cooling-off period.
Uninsured driver promise
If your vehicle is involved in an accident caused by an uninsured motorist, Aviva will refund any excess you’ve paid and your no-claims discount won’t be affected. You’ll need to provide details of the other vehicle and driver.
In detail: every part of Aviva’s car insurance rated
|Most important||Courtesy car||Optional extra|
|Most important||Courtesy car – guaranteed availability||Yes – as part of an optional extra|
|Secondary||Courtesy car period||Duration of repairs|
|Other||Courtesy car provided if car is stolen||Yes|
|Most important||Windscreen damage – limit per claim (approved repairer / non-approved repairer)||Market value / £185|
|Most important||Window damage – limit per claim (approved repairer / non-approved repairer)||Market value / £185|
|Secondary||Sunroof damage – limit per claim (approved repairer / non-approved repairer)||Market value / £185|
|Secondary||Personal belongings – limit per claim||£150|
|Other||Medical expenses – limit per claim||£100 per person|
|Other||Physio treatment included under medical expenses||Yes|
|Other||Prescription costs included under medical expenses||No|
|Other||Dental treatment included under medical expenses||Yes|
|Other||Audio equipment – limit per claim (manufacturer fitted / non-manufacturer fitted)||Unlimited / £500|
|Other||Sat nav – limit per claim (manufacturer fitted / non-manufacturer fitted)||Unlimited / £500|
|Other||Child car seat – limit per claim||Replacement seat|
|Secondary||Misfuelling cover||As standard|
|Secondary||Misfuelling cover – what’s included||Engine damage only|
|Secondary||Misfuelling cover – limit per claim||Market value|
Table updated in February 2022. Next update in February 2023.
We also reviewed Aviva Online – the Aviva policy available through comparison sites. Although similarly named, the two policies are distinct from each other.
For example, Aviva Online has higher fees for adjusting or cancelling the policy, less cover for glass damage, but also better cover than its sibling elsewhere – such as having total-loss courtesy-car cover as standard.
The policy scored 64% (28th/49) in our analysis.
How did customers rate Aviva’s car insurance?
We’ve analysed how customers who have recently made a claim feel about it too.
Aviva scored 66% for customer satisfaction, placing it 11th among the 14 insurers we received customer scores for.
How Aviva’s car insurance scored for seven elements of customer satisfaction
|Customer satisfaction element||customer score|
|Clarity of policy|
|Dealing with queries|
|Ease of managing your policy online|
|Fair treatment of longstanding customers|
|Dealing with complaints|
|Value for money|
Table last updated in February 2022. Next update in February 2023
How can you save money on Aviva car insurance?
The first offer an insurer makes isn’t necessarily the best they’re able to provide – especially if you’re renewing. So before you commit, check what other insurers are offering for comparable cover and ask if your current insurer can better it.
Carefully consider what’s optionally included in the quote. You might want the confidence of an all-singing, all-dancing policy, but certain add-ons might not be for you, or could duplicate separate cover you already have.
Where you buy your cover can sometimes make a difference to what you’ll end up paying, which is why we recommend checking prices through multiple comparison sites (where available) as well as trying the companies direct.
You can’t buy Aviva’s policy through comparison websites, but you can buy Aviva Online on the following websites:
- Compare the Market
- Go Compare
What is Aviva’s car insurance claims number?
If you need to make a claim with Aviva car insurance, call 0345 030 6925.