Cracking your car cover conundrums
Whether you want to pay less for your premium or need help with a complex claim, we’ll help smooth your path through even the most complicated journeys.
Drive down the cost of your car insurance
Hi, I’m Lorna Whalley, Head of Retail Proposition and Change at Aviva.
Most of us have seen our bills go up in recent months. Your car insurance may have gone up as well, due to the cost of car parts and repairs also increasing.
Car insurance is a legal requirement. But there are some things you can do to make sure you’re not paying more than you need to.
If you’re a relatively new driver, insurance can be a big expense, but if you’re confident you’re a safe driver, one way to bring the cost down is a telematics insurance policy. These policies will come with an app or smart device that fits inside your car and monitors your driving, rewarding safe drivers with a discount to their premium.
You could also consider a multi-car policy. If you have more than one car at your address, then insuring them all under one policy could save you money, as some insurers will offer a discount for each additional car you add.
Select the right level of cover for your needs. Higher levels of cover give you more protection but at a higher premium. The lower levels will be cheaper, but make sure they’re covering everything you need.
Be sure to check your renewal. If you’ve been with your insurer a while, check that your details are still up to date, otherwise you might miss the chance to save valuable pounds. For example, if you’re doing fewer miles than you used to then update your policy to reflect this.
It’s also worth double checking who’s insured on your car. If your teenager who had some lessons in your car is now 20 with a car of their own, but still a named driver on your policy, then removing them may lower your premium.
And finally, please don’t cancel your insurance. If you’re struggling to pay your premium, get in touch with us. We might be able to help.
How a conversation saved a life
When you need a hand to hold through tough times. See how we helped with a motor customer claim.
We’ll do everything we can to help.
This is a real motor customer claims story.
“He’s never had an accident before. He’s just hit two parked cars. He never knew what happened. He said ‘I’ll probably never drive again.’ Then I said ‘Oh, in a few days’ time, it’s one of those things.’ It wasn’t just like the normal ‘being shook up because I’ve hit two cars.’
“When I’m talking to him, he was just all over the place. I just knew there was something more astray. Then he said to me ‘I might have got this virus thing.’” Our colleague tried to call the police local post office and doctor for help. She couldn’t get through to the police so tried again the next day.
“Tried again, I got through really, really quickly. And I just said, tried to sort of explain that he’s been in a really bad car accident a couple of days ago and I just don’t think it’s shock. I think it’s something that he’s not very well.”
The police visited but couldn’t give more details.
“So then when the engineer came back to me and said ‘I’ve got the valuation but you’ve got vulnerable on your file, what do you want to do?’. And I said ‘I would like you to call him please, if you can, but can you let me know what the outcome is?’. And I just thought ‘alarm bells’, I’ve now got a really good reason to call the police back and just say ‘can you tell me the outcome because we need to know what to do with his car.’
“I spoke to this other PC and she just said ‘If you hadn’t have called us, you’ve probably saved this man’s life because when we got round there, he was really, really poorly – and we got an ambulance straight away.’
We’re with you, every step of the way.
Untangling the world of electric vehicles
Thinking of switching to electric? Our buying guides, myth-busters and battery basics can make sense of all the buzz, and help you find a car that’s the right fit.
Get more from your motor
Car insurance glossary
The language of car insurance can be confusing, so here’s a simple guide to some of the key terms.