Aviva car insurance review

Aviva is one of the five largest UK car insurers and also offers home, travel and life insurance.

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

If you visit its website, Aviva offers one car insurance policy. However, it sells a wider range of options through comparison websites – Aviva Online, Aviva Zero and Aviva Premium.

Please note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms and conditions of an insurer before committing to any financial products.

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Does Aviva offer the best car insurance?

Here's how Aviva scored in our latest survey:

• Which? Recommended Provider
• 70% customer score – 3rd out of 19 insurers we had customer scores for
• 70% policy score on its standard policy – 5th out of 31 standard policies reviewed, making it a Best Buy
• 70% claims score – 4th out of 19 insurers compared

See how this compares with the best car insurance.

What does Aviva car insurance offer?

How good are Aviva's car insurance policies?

Aviva is a Which? Recommended Provider and its standard policy is a Best Buy.

With a policy score of 70%, Aviva's standard policy was one of the top 10 we rated (of 76) and passed our Best Buy criteria. This policy can only be purchased directly from Aviva's website.

Like most policies, cover is provided for personal possessions stolen or damaged in the car. But unlike many policies, Aviva's cover doesn't exclude mobile phones or laptops. The standard policy can also be bought with up to £120,000 personal accident cover: £5,000 comes as standard.

The policy wasn't perfect. While lost and stolen car keys are covered, damaged keys aren't. And if you have an early change of heart about the policy and choose to cancel within the cooling-off period, you'll be charged a fee of £43.

• Read another Best Buy policy: Sheilas' Wheels car insurance review

Defence against vehicle cloning

Aviva's policies provide legal expenses cover of £100,000, which pays for legal services to help you pursue compensation if a car accident wasn't your fault. Unlike most policies, Aviva's legal cover is also available for defence costs if you're prosecuted for a motor offence committed by someone who has cloned your licence plates.

Aviva vs Aviva Online, Zero and Premium

Aviva offers three policies that are only available through comparison sites: Online, Premium and Zero. These all had lower cover levels than the standard Aviva policy – with none quite earning our Best Buy rating. The best-scoring was Aviva Premium, which scored 65% in our analysis, in the top half of our table. 

Its Online policy scored 62% – slightly above the average score of 61%. Meanwhile, Aviva Zero – which contributes some of your premium towards offsetting your carbon emissions – achieved 58%, placing it in the bottom half of our table, and far below the standard policy's score of 70%.   

How did customers rate Aviva's car insurance?

We asked Aviva customers who have recently made a claim how they felt about their car insurance.

Aviva earned a customer score of 70%, placing it third out of the 19 car insurers we received sufficient responses for in our customer survey. 

Customers were also asked to rate their most recent claim. Aviva customers gave it 70% – fourth out of the 19 companies we scored.  

Here's how customers rated Aviva in various areas of service:

How can you save money on Aviva car insurance?

You can't buy Aviva's standard policy through comparison websites, but you can buy Aviva Online, Aviva Premium and Aviva Zero on the following websites:

• Compare the Market
• Confused
• Go.Compare
• MoneySuperMarket
• Mustard

If you're insuring more than one car, the standard policy offers a 10% discount for every extra vehicle covered on the policy. There's also a 10% discount for the first year you take out the policy if you buy it in conjunction with another Aviva product.

Above information correct as of December 2024.

How does Aviva compare with other providers?

Aviva received a 70% customer score and a matching 70% claims score. 

As a Which? Recommended Provider, it has performed well across the board. For customers seeking higher-rated providers, NFU Mutual and LV outperformed Aviva in customer satisfaction and claims handling.

Aviva: How can I claim?

If you need to make a claim with Aviva car insurance, you can do so on its website or you can call 0345 030 6925 (or 0345 305 7555 if you have a Aviva Zero policy).

• Find out more: is it worth claiming on your car insurance?

Find out how Aviva rates for other products

• Aviva home insurance review
• Aviva private health insurance review