Is Aviva Motor Insurance any good, or do they suffer from some of the issues that plague other large car insurers like impersonal customer service? Read our review to discover if Aviva ticks the right boxes for you, and find out which important features you'll need to add on for an extra charge. Finally, read through select customer reviews to learn what existing policyholders say about the Aviva experience.
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In This Review
Aviva Car Insurance Overall Review
Most of Aviva car insurance products offer a 5-star Defaqto rating, but some features require an extra charge and have lower-than-expected limits—plus customer ratings highlight a few issues with price rises on renewals and claims. Let's take a closer look to find out if these factors mean you should look elsewhere or give Aviva a try.
We first looked at what's covered by comprehensive Aviva Motor Insurance policies from information available on their website and in the policy documents, and found that cover is generally solid and includes most "must have" categories (according to the Money Advice Service) as standard.
However the personal belongings cover is a bit lower than average, courtesy car cover costs extra and the key cover is confusing (in event of lost or stolen keys or fobs they'll pay for replacement locks, transmitters, central locking interface and affected parts of the alarm and/or immobilizer... but there's no mention of paying for just a replacement key if that's all you need).
Accommodation cover if you're stranded after an insured accident is also a bit low (£150 max) but otherwise they offer a pretty good set of features as you can see in the table below, which compares the features as mentioned on the Aviva website to what you'd ideally get from a good policy.
|How Good is Aviva Motor Insurance?||A Good Policy Includes||Does Aviva Deliver?||Aviva Comprehensive Coverage|
|"Must Have" Features|
|Windscreen||Full repair or replacement||Included (subject to stricter limits if you don't use an approved repairer)|
|Belongings||£200+||Up to £150|
|Keys||£300+||Cover for replacement locks if keys stolen or lost|
|Protected NCD||2 times in 3 years (standard or optional extra)||If you buy the add on, allowed one claim a year with a min 3 years NCD|
|Car recovery after accident||Included||Included|
|Courtesy car (repairs)||Minimum 14 days||If you buy the add on|
|Repairs guaranteed (if use approved repairer)||12-month guarantee||3 years|
|"Should Have" Features|
|New car replacement||Theft or damage at least 60% of list price; cars up to 12 months old; first owner||Included|
|Stereo and satellite nav||Market value for manufactur fitted||If permanently fitted to your vehicle|
|Alternative transport & Hotel after accident||£250+||Up to £150 total|
|24-hour emergency helpline||Standard||24 hour claims lines|
|Courtesy car (total loss or theft)||Standard or add-on extra||If you buy the add on|
|Motor legal expenses||Standard or add-on extra||If you buy the add on|
|Breakdown cover||Standard or add-on extra||If you buy the add on|
|"Could Have" Features|
|Same cover in EU||Standard or add-on extra||Add on available if you call at least two weeks prior|
|Child car seat replacement after accident, theft, fire||Ideally replaced even if no visible damage||Included|
|Larger/premium courtesy car||Standard or add-on extra||If you buy the add on|
|No fault NCD protection||Standard||Not available|
|Uninsured driver NCD protection||Standard||Included|
|Cancellation fee||No more than £50||£0 cancellation fee during cooling off period if cover has not started; otherwise £38 + IPT|
Note, here we've analyzed Aviva's traditional 'Motor Insurance' policy with comprehensive cover. Those buying TPFT (Third Party, Fire and Theft) don't get cover for accident damage to their own vehicle, plus they miss out on other features like repair guarantees, the new vehicle replacement clause, child seat cover, Third Party cover for driving other people's cars, glass cover, replacement locks, personal belongings and more. Aviva also offers other motor insurance products such as:
- AvivaPlus Car Insurance. Pay monthly for comprehensive car insurance without interest charges, and cancel at any time without fees.
- Temporary Car Insurance. Flexible car insurance from 1 to 28 days to accommodate test drives, weekends away, etc.
- Van Insurance. Insurance for vans, which are insured differently to cars.
- Business Vehicle Insurance. Covers using your vehicle for work, driving employees or colleagues around, business use driving between multiple work locations.
Note: the AvivaPlus Premier tier has an interesting feature—the ability to have comprehensive cover when driving other cars (you'll need to select this when you need it in the MyAviva customer portal).
Through their Quotemehappy.com brand, Aviva offers a cheaper option for car insurance—but the lower price means the levels of service and coverage are not as attractive. Quotemehappy.com is an 'online only' brand with no customer service call centre, cancellation fees are higher and you don't get cover for child seats, among other things.
Who Underwrites Aviva Car Insurance?
Aviva underwrites car insurance policies for their own brand and other companies like Carrot through Aviva Insurance Ltd.
Does Aviva do delivery driver insurance?
No, Aviva policyholders cannot engage in paid delivery work. Read more about that in our article Does Aviva do delivery insurance?
Aviva Car Insurance Customer Service Reviews and Ratings
|Aviva Ratings & Customer Reviews|
|Trustpilot customer service rating||4.7 out of 5|
|Reviews.co.uk||2.03 out of 5|
|Aviva Online, AvivaPlus Premium, AvivaPlus Regular, Home & Drivers Club, Home & Drivers Club Gold, Motor Insurance, MultiCar Insurance||5 stars|
|AvivaPlus Basic||3 stars|
Is Aviva Car Insurance any good? Most Aviva car insurance products have earned 5 out of 5 stars from Defaqto, which is an indication of the features provided by Aviva car insurance. However we don't necessarily agree with that rating because some 'should have' or 'must have' features are not included unless you buy the add ons, like courtesy cars.
In terms of Aviva customer reviews, they have improved in recent years—especially their Trustpilot rating. However, they have a relatively high rate of customer complaints with the Financial Ombudsman Service. Since Aviva's Trustpilot and Reviews.co.uk ratings are based on Aviva as a whole, reflecting insurance, savings, investments and pensions products, it's difficult to get a good handle on how their car insurance performs; to find out what real customers have to say about their car insurance specifically, we've read through hundreds of reviews. Here's what we found:
Aviva Car Insurance Trustpilot
Aviva has only earned a very solid 4.7 stars out of 5 at Trustpilot, with 75% of customers giving Aviva an "Excellent" 5-star rating. Here is a sample of the more common positive comments and customer complaint (which typically relate to communication around the claims process):
"Applying very quick and easy. Great price too."
"Free legal cover and a cheap price. They were also able to automatically lookup my NCD proof saving admin on my side. Couldn't ask for more, much smoother than other insurer/broker renewals."
"Uncontactable and zero Communication. Accident occurred almost 4 weeks ago where I was hit by another vehicle. I have emailed, used chat function and tried to call and simply cannot get hold of my insurance company. I have had zero communication from them... Yet I have already been contacted twice by the 3rd party insurer. Maybe I'll go with them next renewal as they are clearly far more effective."
"I gave 1 star because its easy to get the insurance, but if your going to make a claim (water flood) claim good luck waiting like a doughnut, waited 3 plus months and still waiting, I'm just paying insurance while not having the car fixed or write off and they running around circles making you wait like a doughnut ....."
Aviva Car Insurance Reviews.co.uk
Customers rate Aviva quite poorly at Reviews.co.uk with a score of 2.03 out of 5, but this is based on a very small number of customers so we wouldn't rate it as reliable. Reading the reviews, we noticed complaints about high renewal premiums and unsatisfactory handling of claims.
"Been a multi car customer for 8 years and always been told by them when I rang up to renew keep on multicar as works out cheaper. Very surprised this year when our quote came back at over a £1000 so I put our cars in individually and they came back £500 cheaper so why would they promote multicar as being cheaper."
"Good price initially for car insurance for two years, however renewal price was way above market average."
"Have been an Aviva customer for years - made a claim on my fleet policy for a car accident which meant the car was written off and guess what they won't payout enough to buy a like for like replacement when you can't find any car at the value they place on it - sticky fingers when it comes to paying out and it's only then you know what you paid for."
Aviva Car Insurance Charges and Fees
Aviva charges £38 plus tax to cancel your policy after the initial 14-day window (less than the average cost of cancelling car insurance) and also if you cancel within the window if your cover has started; but there's no cancellation fee to cancel during the cooling off period if your cover has not started yet. Changes such as adding a driver or a change of address cost £18 plus tax to make over the phone and are free to make online through the customer portal.
|Aviva Insurance Cancellation Fees|
|Cancellation, within 14-day cooling-off period if cover has NOT started||£0|
|Cancellation, within 14-day cooling-off period if cover has started||£38 + insurance premium tax|
|Cancellation, after 14-day cooling-off period has ended||£38 + insurance premium tax|
|Changes made online||£0|
|Changes made over the phone||£18 + insurance premium tax|
As always, you'll also have to pay any outstanding premium for time you were covered (this could mean getting a refund if you paid upfront), which in Aviva's case is based on the number of days left in the period of insurance.
Important Aviva Car Insurance Phone Numbers
Car insurance customers can reach Aviva customer service 7 days a week, on Monday to Friday from 8am to 8pm and Saturdays 8:30am to 5pm and Sundays and bank holidays from 10am to 4pm.
|Aviva Car Insurance Contact Numbers|
|Customer Services||0345 030 7077|
|Quotes||0800 015 4715|
|Complaints or changes||0345 030 6925|
|24 Hour Helplines|
|Claims lines||0345 030 6925|
|Motor legal advice||0345 030 6925|
|Glass repair claims||0345 030 6925|
To read about the full details of an Aviva policy, including what's covered and exclusions, read through the Aviva car insurance policy documents here.
How Does Aviva Compare?
Responding to reader requests, the team at NimbleFins has put together some direct car insurance comparisons, considering features, prices, customer service and more. These are particularly useful for motorists trying to decide between two competing quotes. Use these guides that compare Aviva to other top brands to help you understand which might provide the better product for your needs.
Other Car Insurance Reviews
If you'd like to compare Aviva car insurance to other options in the market, see some of our other car insurance reviews below: