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Aviva car insurance review

Read our expert review of Aviva car insurance. Find out how we rate Aviva's policy against 33 other providers.

In this article
What does Aviva car insurance cover? Does Aviva offer the best car insurance? Aviva's car insurance policy: is it good or bad? In detail: every part of Aviva's car insurance rated
How did customers rate Aviva's car insurance? How can you save money on Aviva car insurance? What is Aviva's car insurance claims number?

 

With more than 18 million customers, Aviva is the largest general insurer in the UK - and one of the biggest five car insurers.

Its car insurance brands include Aviva, Quote Me Happy and General Accident, all of which are underwritten by Aviva Insurance Limited.

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:

Car Insurance
Aviva review
Overall Which? score
%
Our total score score combines ratings from real customers of the provider, and our expert analysis of the provider's policies. The total score is made up of 50% of the Customer Score and 50% of the car insurance policy score.
Which? customer score
%
Which?'s rating for customer satisfaction, based on feedback from real customers who recently made a claim. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
Policy score
%
Which?'s rating of the quality of this company's car insurance policy. We analysed 73 features of its cover to calculate the policy score.
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To help you find the best car insurance policy, we go the extra mile to sort the best from the worst.

 

How we analyse car insurance

 

We analyse and rate 73 key 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 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.

Aviva's car insurance policy: is it good or bad?

We've rated hundreds of policy details and picked out the best and worst elements of this cover.

Members can log in to read our full policy analysis. If you're not already a member, join Which? and get full access to these results and all our reviews.

In detail: every part of Aviva's car insurance rated

Weighting Policy element Details Rating
Most important Courtesy car Logged out detail Logged out padlock
Most important Courtesy car - guaranteed availability Logged out detail Logged out padlock
Secondary Courtesy car period Logged out detail Logged out padlock
Other Courtesy car provided if car is stolen Logged out detail Logged out padlock
Most important Windscreen damage - limit per claim (approved repairer / non-approved repairer) Logged out detail Logged out padlock
Most important Window damage - limit per claim (approved repairer / non-approved repairer) Logged out detail Logged out padlock
Secondary Sunroof damage - limit per claim (approved repairer / non-approved repairer) Logged out detail Logged out padlock
Secondary Personal belongings - limit per claim Logged out detail Logged out padlock
Other Medical expenses - limit per claim Logged out detail Logged out padlock
Other Physio treatment included under medical expenses Logged out detail Logged out padlock
Other Prescription costs included under medical expenses Logged out detail Logged out padlock
Other Dental treatment included under medical expenses Logged out detail Logged out padlock
Other Audio equipment - limit per claim (manufacturer fitted / non-manufacturer fitted) Logged out detail Logged out padlock
Other Sat nav - limit per claim (manufacturer fitted / non-manufacturer fitted) Logged out detail Logged out padlock
Other Child car seat - limit per claim Logged out detail Logged out padlock
Secondary Misfuelling cover Logged out detail Logged out padlock
Secondary Misfuelling cover - what's included Logged out detail Logged out padlock
Secondary Misfuelling cover - limit per claim Logged out detail Logged out padlock

Table updated in February 2022. Next update in February 2023.

How did customers rate Aviva's car insurance?

We've analysed how customers who have recently made a claim feel about it too.

Members can log in to see our range of customer service star ratings and read about individual customers' experiences. If you're not already a member, join Which? and get full access to these results and all our reviews.

 

How Aviva's car insurance scored for seven elements of customer satisfaction

Customer satisfaction element

Customer satisfaction elementCustomer satisfaction element

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Application process Logged out padlock
Clarity of policy Logged out padlock
Dealing with queries Logged out padlock
Ease of managing your policy online Logged out padlock
Fair treatment of longstanding customers Logged out padlock
Dealing with complaints Logged out padlock
Value for money Logged out padlock

Table last updated in February 2022. Next update in February 2023

We’re working with Confused.com to help you get a great deal on your car insurance. Search for a new policy now.

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
  • Confused
  • MoneySupermarket
  • Mustard

 

Membership discount

 

A discount to the premium for being a member of an organisation

 

 Multicar discount

 

Save 10% for every extra vehicle you add to your policy. Discount doesn't apply to optional extras or at renewal. Applies to Aviva policy only - excludes Aviva Online and Aviva Premium car insurance.

 

 Joint car and home insurance discount

 

10% multi-product discount

 

Dash cam discount

 

A discount to the premium for having a dash cam installed in your car

Above information correct as of December 2021. For more tips see our guide to getting a cheap car insurance quote.

What is Aviva's car insurance claims number?

If you need to make a claim with Aviva car insurance, call 0345 030 6925.

 

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