Aviva is a U.K. based company and was founded in 1999. It’s one of the largest insurance companies in Canada.
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Aviva Car Insurance Reviews
About Aviva
This company offers a 2% discount for new clients, and if you have a hybrid car, you can have a 10% discount. This company also provides discounts for customers who bundle up and get their car and home insurance, or insure more than one car on one policy.
Having a good driving history and staying claim-free also help you get a discount from this company. Aviva received an overall rating of four stars in the J.D. Power Study. Aviva company is the best option for Lyft drivers.
Aviva car insurance costs
Aviva car insurance prices start from just £193. But it is heavily dependent on the factors mentioned below:
- Age
- Gender
- Driving Record
- Vehicle
- Marital Status
- Annual mileage
- Location
Aviva car insurance coverages
Aviva offers a wide range of coverages, some of them include:
1. Comprehensive:
This insurance will cover the expenses of damages to your own vehicle that is caused by something other than an accident, like vandalism or a natural disaster. Installing anti-theft and tracking devices can make this coverage more affordable.
Still, comprehensive coverage can be costly, and it may not be necessary, especially if your car is easily replaceable. Drivers who are financing or leasing the vehicle are required to carry comprehensive insurance.
2. Third-party, Fire & Theft:
The loss or damage to your car due to theft or the attempt of theft or fire is covered by this insurance. Aviva also offers vehicle recovery, protection, and removal of your vehicle on this coverage, but your car must be damaged due to fire, theft, or the attempt of theft. Also, this insurance company pays for the legal costs if you’re involved in an accident.
3. MultiCar Insurance:
The name presents the policyholder can insure all of their vehicles under one policy. Insuring five cars on one policy can get you 10% off for every additional vehicle added and registered to the same address.
This is flexible coverage, each vehicle’s no claims discount is separate, and you have uninsured driver cover on all of them.
4. Van Insurance:
Aviva van insurance comes with up to £500 comprehensive tool coverage, a repair guarantee, and glass replacement for your windscreen, windows, or sunroof. You can find more information on their site.
5. Breakdown Cover:
Aviva has partnered up with RAC to provide Breakdown Cover for policyholders. Depending on which coverage you have on your policy, you can get roadside assistance and get a replacement car while your car is being repaired.
You can also get overnight accommodation or onwards to travel to your destination. But all these really depend on what coverage you choose.
6. AvivaPlus:
The AvivaPlus offers third party, accident, fire and theft, and comprehensive insurance options, but it is a flexible subscription service. With AvivaPlus, you can pay monthly without paying for interest, cancel at any time you wish, and add and remove coverage options at any time with no extra cost.
However, it is a little tricky to find on the Aviva website, but it’s there.
Other coverages include:
- Classic car insurance
- Courtesy car
- Temporary car insurance
- Enhanced European cover
- Learner car insurance
- No-claims discount protection
- Motorhome and Caravan insurance
- Motor Injury Protection Plus
- Motor legal
What is excess?
Excess is the fee you should pay to your insurer when filing a claim. The exact excess price is agreed upon when you first purchase your policy.
When you make a claim, you pay the excess, and the rest of the repair or replacement costs up to the agreed amount on your policy are covered by your insurer. Selecting a high excess can reduce your premium price.
Aviva Car Insurance Review
Most Aviva car insurance products offer a 5-star according to Defaqto ratings. However, some features they offer require extra charge and have lower-than-expected limits.
While reading the reviews, I came across a significant number of customers that highlighted that price rises on renewals and claims.
We reviewed the personal belongings coverage, and it is lower than average. Courtesy car cover also costs extra, and the critical cover is really confusing; in the event of lost or stolen keys, Aviva will pay for replacement locks, and all that includes, but I couldn’t find anywhere that mentioned paying for replacing just the key if that’s all you need.
