Vavista Car Insurance Review: The Right Cover for You?

Vavista Car Insurance Review: The Right Cover for You?

Vavista is a broker with good customer service that works with smaller underwriters.

Good for

  • Good customer reviews
  • Good coverage

Bad for

  • Customer service closed on Sundays
  • Higher administration fees

Editor's Rating


The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.

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Read about Vavista to see if it might be the right car insurance broker for you. Find out how Vavista compares and how existing policyholders rate their customer service.

In This Review

Vavista Car Insurance Overall Review

Vavista offers all three types of cover (comprehensive, third party only and third party, fire and theft)—comprehensive is the best kind, as it offers the most coverage. As a broker, Vavista works with three underwriters for their comprehensive cover. For reference, none of them are amongst the largest car insurance companies in the UK:

  • Sabre
  • Southern Rock
  • Watford

You can get a quote directly from Vavista or from a comparison site such as our parter QuoteZone.

Those with expensive cars should look elsewhere are Vavista will only insure cars valued at up to £50,000.


While Vavista sells comprehensive cover from three different insurers, customers might get different features depending on which company has underwritten their policy. However, policies generally include most of the "must have" features as recommended by the Money Advice Service.

This is a high-level summary for policies bought direct from By Miles through their website—remember, these are always subject to conditions and exclusions, which you can read about in the policy documents.

How Good is By Miles Car Insurance?A Good Policy IncludesDoes By Miles Deliver?By Miles Comprehensive Black Box Coverage
"Must Have" Features
WindscreenFull repair or replacement
thumbs up
question mark
Covered, but limits may vary
question mark
For theft only, if it can be established that whomever has the keys knows where your car is kept
Protected NCD2 times in 3 years (standard or optional extra)
thumbs up add on
If you buy the add on (minimum of 4 years no claims discount required)
Car recovery after accidentIncluded
thumbs up
Courtesy car (repairs)Minimum 14 days
thumbs up
Repairs guaranteed12-month guarantee
thumbs up
5 year guarantee
"Should Have" Features
New car replacementTheft or damage at least 60% of list price; cars up to 12 months old
question mark
Yes, but cost of repair/list price cutoff varies by insurer
Stereo and satellite navMarket value for manufactur fitted
thumbs up
Alternative transport & Hotel after accident£250+
question mark
Amount may depend on underwriter (£200 Sabre)
24-hour emergency helplineStandard
thumbs up
Courtesy car (total loss or theft)Standard or add-on extra
thumbs up add on
If you buy the add on
Motor legal expensesStandard or add-on extra
question mark
Included or available as add on
Breakdown coverStandard or add-on extra
thumbs up add on
If you buy the add on
"Could Have" Features
Same cover in EUStandard or add-on extra
question mark
Time limit depends on underwriter
Child car seat replacement after accident, theft, fireIdeally replaced even if no visible damage
thumbs up
Larger/premium courtesy carStandard or add-on extra
red x
Not available
No fault NCD protectionStandard
red x
Not available
Uninsured driver NCD protectionStandard
thumbs up
Cancellation feeNo more than £50
red x

Vavista Car Insurance Customer Service Reviews and Ratings

Vavista has been rated with 4.5 out of 5 stars on Trustpilot—a pretty high rating for car insurance, from around 300 customers.

Vavista Ratings & Customer Reviews
Trustpilot customer service rating4.5 out of 5
defaqto5 star

Cancellation & Administration Fees

As a broker, Vavista will charge administration fees for arranging or renewing a policy, making changes, cancelling your policy, etc.—you may also need to pay a fee to the underwriter. Those needing to make a change such as changing address may save money by making the change online through the customer portal.

Administration Fees
Policy arranging or renewaldepends on underwriter
Mid-term adjustments prior to inception£25
Mid-term adjustments after inception£50
Mid-term adjustments processed on our Online Portal£35
Direct Debit arrangement£50
Cancellation prior to inception£25
Cancellation up to 14 days£35
Cancellation after 14 days£75

Important Vavista Car Insurance Phone Numbers

Vavista customer service is available over the phone on Monday - Friday from 9am - 5:30pm and Saturday from 9am - 2pm—they're not open on Sundays.

Vavista Car Insurance Contact Numbers
Customer Services0344 776 8382
Sales0344 776 8381
Renewals0344 776 8383
24/7 Helplines
Claims0344 8409 537

Policy Documents

Current or prospective Vavista customers can read the policy wording to learn about the details of exclusions and coverage.

Other Car Insurance Reviews

If you'd like to compare Elephant to other car insurance companies, see our other car insurance reviews below:

Erin Yurday

Erin Yurday is the CEO, Co-founder and Editor of NimbleFins. Prior to NimbleFins, she worked as an investment professional and as the finance expert in Stanford University's Graduate School of Business case writing team. Read more on LinkedIn.