Summary of cover

The information below gives you details at a glance to help you decide which product is right for you. Just select any feature below to find out more. We want you to be confident that your policy covers everything you need it to so please be sure to read the full motor policy booklet (PDF 1.91MB) before you decide to buy.

What’s covered

Loss, theft of, or damage to your vehicle

Comprehensive cover Third party, fire & theft Policy limits
Cover included (subject to limit and excesses) Applies only to loss or damage caused directly by fire, theft or attempted theft (subject to limits and excesses) The market value of your vehicle

If your vehicle is lost, stolen or damaged, we will:

  • Pay for your vehicle to be repaired; or
  • Replace your vehicle; or
  • Pay you a cash amount equal to the loss or damage.

We may decide to use suitable parts or accessories not supplied by the original manufacturer.

The same cover also applies to:

  • Accessories.
  • Spare parts and components for your vehicle while these are in or on your vehicle or while in your private garage.

The maximum amount we will pay for accessories is shown in your schedule.

The most we will pay will be the market value of your vehicle at the time of the loss. If we know that your vehicle is still being paid for under a hire purchase or leasing agreement we will pay any claim to the owner described in that agreement. Our liability under this section will then end for that claim.

New vehicle replacement

Comprehensive cover Third party, fire & theft Policy limits
Cover included (subject to limit and excesses) Not available for this level of cover n/a

We will replace your vehicle with a new vehicle of the same make, model and specification (if one is available in the UK) if, within 12 months of the main policyholder (principal policyholder), main drivers of each vehicle (eg vehicle policyholder) or a partner buying your vehicle from new:

  • Any repair cost or damage in respect of any one claim covered by the policy is more than 60% of the vehicle’s UK list price (including vehicle tax and VAT) when your vehicle was purchased, or
  • Your vehicle is stolen and not recovered.

We will only replace your vehicle if the main policyholder (principal policyholder), main drivers of each vehicle (eg vehicle policyholder) or a partner:

  • Purchases it under a hire purchase agreement or other type of agreement where ownership passes to the main policyholder (principal policyholder), main drivers of each vehicle (eg vehicle policyholder) or a partner and the Financing Company agree, and
  • The main policyholder (principal policyholder), main drivers (vehicle policyholders) or a partner becomes the first registered keeper of your vehicle, or the second registered keeper of your vehicle where your vehicle has been pre registered in the name of the manufacturer or supplying dealer, provided at the time of purchase the mileage was less than 250 miles.

Vehicles sold as ‘ex demonstrators’ and ‘nearly new’ do not qualify for replacement under this section.

Audio equipment in your vehicle

Comprehensive cover Third party, fire & theft Policy limits
Cover included (subject to limit and excesses) Applies only to loss or damage caused directly by fire, theft or attempted theft (subject to limits and excesses) Up to £500 (Comp)
Up to £100 (TPFT)

Any audio equipment in your vehicle is covered as part of your vehicle’s accessories (see section on loss, theft of, or damage to your vehicle).

Glass in your vehicle’s windscreen, windows or sunroof

Comprehensive cover Third party, fire & theft Policy limits
Cover included (subject to limit and excesses) Not available for this level of cover n/a

We will pay for the replacement or repair of the glass in your vehicle’s windscreen, sunroof or windows if it is lost or damaged or the bodywork of your vehicle suffers scratches arising solely from the breakage of glass. The most we will pay will be the market value of your vehicle at the time of the loss. We may use suitable parts not supplied by the original manufacturer.

You must telephone our claims helpline before any work is carried out. We will direct you to an approved repairer. If the repairer chosen to replace your glass is not one of our approved repairers, we will apply a limit to the amount we will contribute as shown in your schedule.

The excess amount which must be paid for any replacement or repair, is shown in your schedule.

A claim solely under this section will not affect your no claim discount.

Accident transport/vehicle recovery

Comprehensive cover Third party, fire & theft Policy limits
Cover included (subject to limit and excesses) Applies only to loss or damage caused directly by fire, theft or attempted theft (subject to limits and excesses) n/a

Within the set geographical boundaries we can arrange for the protection and removal of your vehicle. In the event of an incident, please ring our Claims Helpline and we will arrange for the following:

  • Someone to come out and help. If your vehicle cannot be made roadworthy immediately it will be taken to our nearest approved repairer. Your vehicle can be taken to a repairer of your choice if this is nearer, but this may lead to delays in arranging the repairs to your vehicle. An additional excess will apply in addition to any other excesses under this policy if the repairer chosen is not one of our approved repairers. We do not provide a courtesy vehicle if the repairer chosen is not one of our approved repairers, even if the courtesy vehicle option is shown in your schedule.
  • Transport home or completion of journey for the driver and passengers.
  • The onward transmission of any messages on your behalf.
  • Delivery of your vehicle back to your address in the geographical boundaries after the repairs have been carried out.

In providing accident recovery assistance we will use our reasonable care and skill when providing the service. We can, however, cancel services or refuse to provide them if, in our opinion, the demands made are excessive, unreasonable or impractical.

Medical expenses

Comprehensive cover Third party, fire & theft Policy limits
Cover included (subject to limit and excesses) Not available for this level of cover Up to £100 for each insured person

If any people in your vehicle are injured as a direct result of your vehicle being involved in an accident, we will pay for:

  • The medical expenses arising in connection with that accident. The most we will pay for each injured person is shown in your schedule.

The cover under this section applies irrespective of fault.

Exclusions to Section 4

We will not pay for any physiotherapy treatment.

Emergency medical treatment

Comprehensive cover Third party, fire & theft Policy limits
Cover included (subject to limit and excesses) Cover included (subject to limit and excesses) n/a

We will reimburse any person using your vehicle for payments made under the Road Traffic Acts for emergency medical treatment.

Personal belongings kept in your vehicle

Comprehensive cover Third party, fire & theft Policy limits
Cover included (subject to limit and excesses) Not available for this level of cover £150

We will pay the main policyholder (principal policyholder) or the main drivers of each vehicle (eg vehicle policyholder) (or, at their request, the owner) for loss of or damage to personal belongings caused by fire, theft or accidental means while the personal belongings are in or on your vehicle.

The maximum amount payable for any one incident is shown in your schedule. A claim can only be made under this section when also making a valid claim which is accepted under Section 1 – Loss of or damage to your vehicle.

Exclusions to Section 6

We will not pay for:

  1. Money, stamps, tickets, documents or securities (such as share and premium bond certificates).
  2. Goods or samples carried in connection with any trade or business.
  3. Tools.

Replacement locks for your vehicle

Comprehensive cover Third party, fire & theft Policy limits
Cover included (subject to limit and excesses) Not available for this level of cover n/a

If your ignition keys are lost or stolen we will pay the cost of replacing the:

  • Affected locks, lock transmitter and central locking interface, affected parts of the alarm and/or immobiliser, provided that it can be established to our reasonable satisfaction that the identity or garaging address of your vehicle is known to any person who is in possession of your ignition keys and the value of the claim does not exceed the market value of your vehicle.

In the event of any claim under this section, the courtesy vehicle and hire vehicle benefits under Section 1 – Loss of or damage to your vehicle, will apply providing your schedule shows courtesy vehicle cover was selected.

Your no claim discount will not be affected and no excess is applicable when making a claim under this section.

Named driver discount

Comprehensive cover Third party, fire & theft Policy limits
Cover included (subject to limit and excesses) Not available for this level of cover n/a

Named drivers who remain claim free can earn a named driver discount, to use in the future, if they take out their own Aviva motor insurance policy.

Discount available on Aviva policy taken out by named driver and will be converted to one year’s no claim discount after one year’s claim free driving.

Driving other car benefit

Comprehensive cover Third party, fire & theft Policy limits
Cover included (subject to limit and excesses) Not available for this level of cover n/a

We will insure the main driver (vehicle policyholder) providing:

  • The car does not belong to that person or is not hired to that person under a hire purchase agreement.
  • The main driver (vehicle policyholder) is driving the car with the owner’s express consent.
  • The main driver (vehicle policyholder) still has your vehicle and it has not been damaged beyond cost effective repair.
  • The main driver (vehicle policyholder) is aged 25 or above at inception or renewal of this policy.
  • The Certificate of Motor Insurance indicates that the other main driver can drive such a car.

Driving other vehicles cover is not available for named drivers, firms or main policyholders (principal policyholders) where they are not also named as a main user of your vehicle (eg Another policyholder).

The cover provided whilst you are driving any other car is for Third Party only.

Child seat cover

Comprehensive cover Third party, fire & theft Policy limits
Cover included (subject to limit and excesses) Not available for this level of cover £100 per seat

If child seat(s) are fitted in your vehicle and your vehicle is involved in an accident or damaged following fire or theft, we will pay an amount as shown in your schedule per child seat towards the cost of a replacement even if there is no apparent damage. A claim can only be made under this section when also making a valid claim which is accepted under Section 1 – Loss of or damage to your vehicle.

Tool cover

Comprehensive cover Third party, fire & theft Policy limits
Cover included (subject to limit and excesses) Not available for this level of cover £500 per claim

For the purposes of this section, tools means;

  • Non powered hand tools for domestic DIY, gardening or vehicle maintenance activities, or
  • Where your vehicle is insured for business use as shown in your schedule, tools of trade reasonably associated with your declared occupation.

We will pay for loss of or damage to tools caused by fire, theft or accidental means while they are in your vehicle. The maximum amount payable for any one incident is shown in your schedule. A claim can only be made under this section when also making a valid claim which is accepted under Section 1 – Loss of or damage to your vehicle.

Exclusions to Section 8
We will not pay for:

  1. Goods or samples, stock and materials.
  2. Personal belongings.
  3. Accessories.
  4. Loss or damage arising from theft not involving forcible entry to your vehicle.
  5. Loss or damage if your vehicle is an open backed vehicle unless the tools are contained within a locked secure tool chest which is permanently attached to the chassis.

Uninsured driver promise

Comprehensive cover Third party, fire & theft Policy limits
Cover included (subject to limit and excesses) Not available for this level of cover n/a

If you’re hit by an uninsured driver and it wasn’t your fault, your no claim discount won’t be lost and we’ll refund any excess you’ve had to pay. You will need to tell us the registration number/make/model of the vehicle that hit you, along with the driver’s details.

Injury to you or your partner

  Comprehensive Third Party Fire & Theft
Does this cover apply? Principal policyholder and vehicle policyholder

If the vehicle policyholder or their partner suffer accidental bodily injury in direct connection to the vehicle(s) listed in your schedule with comprehensive cover, we will pay an amount as shown in your schedule, if, within three months of the accident, the injury is the sole cause of their:

  • death.
  • irrecoverable loss of sight in one or both eyes or total and permanent loss of hearing in one or both ears.
  • loss of any limb.

The most we will pay any one person after any accident is shown in your schedule.

The most we will pay any one person during any one period of insurance is shown in your schedule.

If the vehicle policyholder or their partner have any other policies with us in respect of any other vehicle or vehicles the injured person can only claim these benefits under one policy.

The cover applies irrespective of fault.

If you have purchased the optional Personal Accident extension please refer to your schedule for the vehicle(s) to which it applies.

Exclusions to Section 3

We will not pay for death or bodily injury arising from suicide or attempted suicide.

Breakdown cover options

Aviva offer a range of breakdown cover options to suit your needs, all backed by the expertise of RAC:

Rescue only

Comprehensive cover Third party, fire & theft Policy limits
Optional cover which can be added to your policy for an additional cost Optional cover which can be added to your policy for an additional cost n/a

Rescue only breakdown cover is available for breakdowns occurring in the United Kingdom. It can be upgraded to more comprehensive cover levels, and provides the following:

  • A Rescue from an RAC patrol, or a contractor to assist you and provide labour at the roadside.

If we are unable to repair the vehicle within a reasonable time or if our patrol considers the repairs are unwise:

  • We will transport your vehicle to a destination of your choice within 10 miles, or to the nearest garage.
  • We will transport you and up to seven passengers to the destination above. (If there are more than five people this may require two separate vehicles. An adult from the covered vehicle must accompany any children.)
  • If you need to leave your vehicle at a garage we will pay for taxi fares for up to 20 miles (a receipt must be obtained).

Rescue & Recovery

Comprehensive cover Third party, fire & theft Policy limits
Optional cover which can be added to your policy for an additional cost Optional cover which can be added to your policy for an additional cost n/a

Rescue & Recovery breakdown cover offers the same service as rescue only cover with the following additional benefits if we cannot get your vehicle repaired locally within a reasonable time:

  • We will transport your vehicle home or deliver it to a single address anywhere in the United Kingdom.
  • We will transport you and up to seven passengers to the above chosen destination. (If there are more than five people this may require two separate vehicles. An adult from the covered vehicle must accompany any children.)
  • The above Recovery service is also available should you be taken ill and be unable to continue your journey if you have no passengers who can legally drive the vehicle.

Recovery is available for incidents which occur in the United Kingdom.

Rescue, Recovery & At Home

Comprehensive cover Third party, fire & theft Policy limits
Optional cover which can be added to your policy for an additional cost Optional cover which can be added to your policy for an additional cost n/a

Rescue, Recovery & At Home offers all the benefits of rescue and recovery with the added peace of mind that this cover is available for any incidents that occur at or within a quarter of a mile of your home (or where the vehicle is normally kept).

At Home breakdown cover is available within the United Kingdom only.

Rescue, Recovery, At Home & Onward Travel

Comprehensive cover Third party, fire & theft Policy limits
Optional cover which can be added to your policy for an additional cost Optional cover which can be added to your policy for an additional cost n/a

Rescue, Recovery, At Home & Onward Travel cover is the best package available with Aviva insurance. It provides everything included in the At Home option along with one of the following extra benefits in the event that we cannot get your vehicle repaired locally or that you are unfit to drive:

  • Replacement hire vehicle
  • Alternative transport
  • Hotel accommodation
  • Onward Travel benefits must be requested at the time of breakdown and cannot be arranged later.
  • Onward Travel breakdown cover is available within the United Kingdom only.

Additional cover options

Guaranteed no claim discount

Comprehensive cover Third party, fire & theft Policy limits
Optional cover which can be added to your policy for an additional cost Not available for this level of cover 5 or more years NCD only

Guaranteed no claim discount (NCD) is only available with comprehensive cover and protects your no claim discount for the life of your policy. This means that, however many claims you have, you will never lose your hard earned no claim discount. In addition your premium will never be increased as a direct result of any claims and the policy cannot be cancelled as a direct result of multiple claims.

You can benefit from this additional peace of mind if:

  • You have at least 5 years earned no claim discount
  • Have selected a minimum of £250 voluntary excess
  • All drivers are aged 21 or over
  • No driver has had any at fault claims in the last 3 years

We may ask you to provide proof of your no claim discount at any stage during the period of your insurance. This will usually take the form of a no claim discount entitlement letter on headed paper from your previous insurance company. We can also accept renewal invite letters/emails as proof of NCD.

Protected no claim discount

Comprehensive cover Third party, fire & theft Policy limits Policy conditions
Optional cover which can be added to your policy for an additional cost Optional cover which can be added to your policy for an additional cost 3 or more years no claim discount Protected no claim discount (NCD) is available to policyholders aged 21 or over with 3 or more years NCD

What's covered - protected NCD with 3 years earned NCD

  • Protected NCD at 3 years allows you to have one at fault claim before your NCD is affected.
  • You are eligible if you have 3 years NCD, are 21 and over and no driver has had any at fault claims in the last 3 years.

What's covered - protected NCD with 4 or more years earned NCD

  • Protected NCD at 4 or more years allows you to have up to 2 at fault claims in a 3 year period before your NCD is affected.
  • You are eligible if you have 4 or more years earned NCD , are 21 and over and no driver has had any at fault claims in the last 2 years.
  • Please note, if any driver has had one at fault claim in the last 2 years you can still choose to protect your NCD, but it will only be protected against 1 at fault claim in any 3 year period.

Proof of NCD

We may ask you to provide proof of your NCD during the period of your insurance. This will usually take the form of your renewal invitation or a letter from your previous insurer.

Watch our video for more information about providing proof.

Legal services

Comprehensive cover Third party, fire & theft Policy limits
Optional cover which can be added to your policy for an additional cost Optional cover which can be added to your policy for an additional cost £100,000 to pursue a claim, £10,000 to defend

Expert legal support when you need it most:

  • If you’re involved in a motor accident which is not your fault, we will cover up to £100,000 legal costs for a lawyer to pursue compensation from the driver who is to blame (eg personal injury, your excess, travel expenses).*
  • We will also pay your legal costs should your claim not be successful.
  • Up to £10,000 legal costs for a lawyer to defend you if you’re being prosecuted for a motoring offence (eg speeding fine).
  • 24 hour UK legal helpline — confidential legal advice on motoring issues (eg private vehicle sale).

* The lawyer will discuss your case with you and represent you if it is more likely than not that you will be successful. For further information please see policy wording (PDF 1.91MB).

Watch our legal video to find out more.

Courtesy car – enhanced

Comprehensive cover Third party, fire & theft Policy limits
Optional cover which can be added to your policy for an additional cost Not available for this level of cover n/a

Only available with comprehensive cover, you have the option to select an enhanced courtesy car if your vehicle is involved in a claim. We recognise that not all people’s needs are the same, and as a result we’re offering the option of a larger courtesy car.

This option is best suited to customers who already have a larger car and use it for situations like the school run, have small children and need room for a pram, or use their car for business which may involve a lot of motorway driving. An enhanced courtesy car is typically a 5 door car with a 1.6 litre engine and room to seat 5 people.

If you select the courtesy car option, a replacement car is provided by one of our approved repairers and is available for the duration of any repairs. If your car is stolen or written off, we provide a hire car until an offer is made to settle the claim (up to a maximum of 14 days).

Watch our video to find out more about our courtesy car option

Courtesy car – standard

Comprehensive cover Third party, fire & theft Policy limits
Optional cover which can be added to your policy for an additional cost Not available for this level of cover n/a

If you select the courtesy car option, a replacement car is provided by one of our approved repairers and is available for the duration of any repairs. If your car is stolen or written off, we provide a hire car until an offer is made to settle the claim (up to a maximum of 14 days).

Designed to keep you mobile during the period of your claim, this option should satisfy the needs of most customers. A standard courtesy car is typically a small, 3 door, 1 litre hatchback model.

Watch our video to find out more about our courtesy car option

Replacement van

Comprehensive cover Third party, fire & theft Policy limits
Optional cover which can be added to your policy for an additional cost Not available for this level of cover n/a

If you are unable to use your van following a claim, a replacement vehicle will be provided for your use until your van is recovered, repaired, or written off, up to the maximum period as shown on your schedule. After this period you can continue to rent a replacement van at a preferential rate.

Please read the van insurance policy information document for full details and exclusions that apply.

You can select replacement van cover for an additional cost on your quote summary page. Please read the van insurance policy information document for full details and exclusions that apply.

Foreign use cover

Comprehensive cover Third party, fire & theft Policy limits
Optional cover which can be added to your policy for an additional cost Not available for this level of cover n/a

Your policy will automatically provide the minimum cover required to travel in most European countries: usually the equivalent of UK third party only cover.

This can be upgraded for an additional annual premium from £26.50 to give you the same cover as you have in the UK for travel within the following countries, for 6 months in any one period of insurance and no more than 90 days for any one trip.

Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, the Czech Republic, Denmark, Estonia, Finland, France (including Monaco), Germany, Gibraltar, Greece, Hungary, Iceland, Italy (including San Marino and the Vatican City), Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Republic of Ireland, Romania, Serbia, Slovakia, Slovenia, Spain, Sweden, and Switzerland (including Liechtenstein).

Your vehicle must be registered in the UK to be covered. If the country you wish to travel in does not appear in the list above, please call 0800 092 9561 and one of our advisers will help you.

Physiotherapy cover

Comprehensive cover Third party, fire & theft Policy limits
Optional cover which can be added to your policy for an additional cost Not available for this level of cover Up to £400 for an insured person

If you or any other person in your car is injured as a direct result of your car being involved in an accident, we will pay for treatment from a chartered physiotherapist we have appointed who believes treatment will help your recovery.

Physiotherapy will end once you have recovered from your injury or the policy limit has been reached, whichever happens first.

Watch our video to find out more about our physiotherapy option

Personal Accident

Comprehensive cover Third party, fire & theft Policy limits
Optional cover which can be added to your policy for an additional cost Not available for this level of cover We will pay out £40,000 during any one period of insurance.

If the vehicle policyholder or their partner suffers accidental bodily injury in direct connection to the vehicle insured and within three months of the accident, the injury is the sole cause of:

  • Death; or
  • Irrecoverable loss of sight in one or both eyes or total and permanent loss of hearing in one or both ears; or
  • Loss of any limb

We will pay out a lump sum of £40,000 for an individual policy and £20,000 per person for a joint policy. This option is not available for companies.

Watch our video to find out more about our personal accident option

Or see the ‘Injury to you or your partner’ section in the policy booklet.

Excesses

Excesses Comprehensive cover Third party, fire & theft
Policy excess Variable £250
Windscreen excess £75 Not available for this level of cover
Windscreen repair excess £10 Not available for this level of cover
Non approved repairer excess* £200 £200

Watch our excess video to find out more about our policy excesses

Get a quote for car insurance

* If following a claim your vehicle needs to be repaired and you decide not to use our approved repairer then an additional excess of £200 applies. This excess will apply in addition to any other excesses under your policy. Using your own repairer may also cause delays in your claim and Aviva cannot guarantee quality of repair from your chosen repairer.

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