Aviva MultiCar

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Up to 1/3 off with Aviva MultiCar when you add a second vehicle.

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What's the difference between a principal policyholder and vehicle policyholder (main driver)?

The principal policyholder (the name & details we gather first on your quote) is the person who arranges the MultiCar policy and takes responsibility for paying the premium collectively for all vehicles on the policy. The vehicle policyholder is the policy holder of an additional car added to the principal policy. It is important that you provide the correct information, as this forms the basis of your policy. Your policy could be invalid if you don't update any details which have changed.

What is a main driver/vehicle policyholder?

The main driver is the person that completes the majority of the total annual mileage. This person is responsible for providing proof of the No Claim Discount for this vehicle and continues to earn No Claim Discount each year.

How does the No Claim Discount work for the first vehicle?

No Claim Discount is earned separately for each car insured under the MultiCar policy and cannot be shared or used on any other vehicles on this or any other policy. The No Claim Discount must be provided by the main driver of this vehicle, this may not be the principal policyholder.

We might be able to offer a discount based on your driving history if you have an additional vehicle to insure, please call us on 0800 068 5908.

Please call us on 0800 068 5908 if you have No Claim Discount earned abroad or have been driving a company car, or if you have been a named driver on an existing Aviva policy.

How does the No Claim Discount work for the second vehicle?

Proof of No Claim Discount for this vehicle must be provided by the main driver of that vehicle. No Claim Discount cannot be used or shared on any other vehicle on this or any other policy. We will ask you for proof of your No Claim Discount at some time during the policy term. A second vehicle can be added any time and any No Claim Discount entitlement for the newly added vehicle is worked out on how long remains on the principal policyholder's policy. If this is 6 months or over then Aviva will round this up to a whole year.

Please call us on 0800 068 5908 if you have No Claim Discount earned abroad or have been driving a company car, or if you have been a named driver on an existing Aviva policy.

What amends can I make to my policy?

For single policies you can:

Type of customer	Can do
Principal policyholder (PPH)	Change of address Cancel whole policy Any changes to all vehicles Add or remove cover Add and remove vehicles
Vehicle policyholder (VPH) Provided they have consent (verbal or written) from the principal policyholder	Any changes to their vehicle Change their vehicle Remove their vehicle Add or remove cover on their vehicle Add drivers to their vehicle
Spouse/domestic partner of VPH	Provided they have consent (verbal or written) are able to complete any transaction that a VPH can
Named driver	Mid term amendment quote

For a van policy or insuring more than one vehicle please call 0844 891 1101 to make an amendment to your policy.

0844 numbers will be charged at 3p a minute from a BT landline. Calls from other networks may vary.

Can the Aviva MultiCar payments be split so each vehicle policyholder can pay their own vehicle premium?

The premium can only come out of one bank account. It can be paid by monthly DD or by annual credit or debit card payment.

Am I able to tailor the cover for each vehicle under an Aviva MultiCar policy?

Yes if you want to you can tailor your excess, main cover and add-ons for each vehicle.

How will my Aviva MultiCar saving be calculated?

If you insure more than one vehicle with us on the same policy we will give you up to a third off the cheaper of your two premiums. Therefore the vehicle with the highest premium at any point in time will not receive the discount. 20% of customers achieve the maximum saving. Both cars must be registered at the same address. Saving compared to the cost to a new Aviva customer insuring one car. Discount does not apply to optional extras.

What is the basic excess on an Aviva MultiCar policy?

Each vehicle on an Aviva MultiCar policy has an excess. For vehicles with comprehensive cover the standard excess is £350 but you can choose to reduce this to £250/£150 for an additional premium. There may also be additional excesses for certain high performance cars, or for young drivers on the policy, or if you decide not to use one of our approved repairers when you claim. A young driver excess will also apply for drivers under 25. For vehicles with TPFT cover the standard excess is £250 and this may not be reduced. Additional excesses may also be applied. They are applicable as they are with comprehensive car cover.

Do my renewal dates need to be the same?

No we can give you a quote for all your vehicles even if they have different renewal dates. You can then add them as your current cover runs out.

If one vehicle has a claim will it affect the No Claim Discount on all vehicles?

The No Claim Discount would only be considered on that particular vehicle.

Am I able to drive other cars on third party cover under a MultiCar policy?

Yes as long as you are the main driver and are at least 25 years old.

What is the principal policyholder?

The principal policyholder holds the first car, their policy renewal date dictates all renewal dates for vehicles added and they are the one who is the bill payer.

Does each car have a different renewal date?

Once your cars are covered under the MultiCar policy, the renewal date will remain the same for all cars.

Can I insure more than two vehicles?

If you want to insure more than two vehicles on one policy please call us on 0800 015 7767

Will I get the Aviva MultiCar discount and the 15 weeks' worth of free car insurance?

Providing you insure more than one vehicle on the same policy with us and are eligible for our discount we will give you up to a third off the cheaper of the two premiums. Both cars must be registered at the same address. Saving compared to the cost to a new Aviva customer insuring one car. Discount does not apply to optional extras. You could also be eligible for 15 weeks' worth of free car insurance, for new customers who buy online and have at least four years' no claim discount on their existing car insurance policy. Proof of no claim discount is required. Offer excludes any optional extras, minimum premium applies. Offer may be withdrawn at any time.

How is the 15 weeks' worth of free car insurance calculated?

A discount equivalent to 15 weeks' worth of free car insurance will automatically be deducted from the premium total if you are a new customer, have four years' no claim discount and buy online. The offer excludes any optional covers and a minimum premium applies.

What do I do if I already have an existing motor policy with you and I want to add on another vehicle?

You can take advantage of our MultiCar insurance by adding more vehicles when your existing policy comes up for renewal. This will allow us to provide you with our best possible price for all the cars or vans you want to insure. In certain circumstances it may be cheaper for you to retain separate policies, in which case our team will advise you when you contact us to renew.

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