I want to add a vehicle to my motor policy

No Claim Discount (NCD) protection does not protect the overall price of your insurance policy but does guarantee that your premium won’t increase next year as a direct result of 1 at fault claim. NCD protection allows you to make 1 at fault claim in each 12 month policy period before your number of NCD years falls.

If you are adding Protected No Claim Discount cover to your policy, we will need to contact you to share some important information regarding this cover (including the price) before you purchase.

Only available if you have 3 or more years no claim discount.

This option is only available to add from the renewal date of your policy or when you are adding a vehicle.

Our standard cover means that if you injure someone or damage their property in an accident, your motor insurance covers your legal liability to them which means we will pay any compensation the innocent party is entitled to.

Our optional cover Motor Legal cover, provides support for:

• A motoring accident that wasn't your fault
  Provided you have a reasonable prospect of success, and there's someone responsible to pursue for compensation or to recover financial loss, we'll:
  • offer expert legal advice to guide you through the process
  • provide up to £100,000 towards legal costs, whether you win or lose the case
  • cover you, any named drivers and passengers in the insured car at the time
  • ensure you keep your full compensation payout, as other companies may take a percentage of your compensation
• Motoring offences, such as speeding
  This cover will provide up to £10,000 towards legal costs for a lawyer to defend you.
• Legal advice
  We can provide expert guidance for legal matters relating to your vehicle, like the private sale of a car.

Our optional Courtesy Car cover provides you with a vehicle for the duration of repairs regardless of fault. Or for up to 28 days, or until you receive your settlement (whichever is earliest) if your car is stolen and not recovered, or written off. There are 2 options:

• A Standard Courtesy Car, which is a small three-door hatchback with four seats, or
• An Enhanced Courtesy Car, which is a five-door vehicle with five seats.

Courtesy cars are only provided if you have Comprehensive cover and you use an Aviva approved repairer.

Courtesy cars are only provided in Great Britain, Northern Ireland, the Channel Islands and the Isle of Man.

Our optional Courtesy Van cover provides you with a vehicle for the duration of repairs regardless of fault. Or for up to 28 days, or until you receive your settlement (whichever is earliest) if your van is stolen and not recovered, or written off. There are 4 options:

• An Enhanced Courtesy Car which is a five-door vehicle with five seats
• A car derived van which is a van styled car equivalent
• A panel style van which is a van that has rear doors but no rear seats or side windows
• A panel style van with a long which base which is a long wheel base van that has read doors but no rear seats or side windows.

Courtesy vans are only provided if you have Comprehensive cover and you use an Aviva approved repairer.

Courtesy Vans are only provided in Great Britain, Northern Ireland, the Channel Islands and the Isle of Man.

If you have an accident in the insured car, you, your partner or any named driver will have extra financial cover for the following – even if it's your fault.

• Death and life-changing injuries
  We'll pay out £120,000 in addition to the £5,000 included with our standard cover for death or life-changing injuries that have occurred within three months of the motor accident. The life-changing injuries covered are the permanent loss of:
  • a limb or the use of it
  • sight
  • hearing.
• Minor injuries
  We'll cover the cost of physiotherapy sessions up to £500.

Comprehensive cover only.

We’ve partnered with the RAC to bring you a range of breakdown cover options – from roadside repairs to home starts.

These options are vehicle-based, which means that they cover the car rather than the person driving the car and the cover will be rescue only for the first 24 hours if added with an immediate start. We have 4 options for you to choose from:

• Rescue only – Rescue covers you for repairs at the roadside, if we're unable to repair the vehicle within a reasonable time we'll transport the vehicle to a destination of your choice within 10 miles or to a nearby garage. You must be at least a quarter of a mile from your home address to receive this cover.  
• Rescue & Recovery – Rescue & Recovery covers you for repairs at the roadside, if we are unable to repair the vehicle within a reasonable time, we will transport the vehicle anywhere in the UK and transport you and your passengers to the same destination. You must be at least a quarter of a mile from your home address to receive this cover.  
  
• Rescue, Recovery & At Home – Rescue, Recovery and At Home covers you for repairs at the roadside, if we are unable to repair the vehicle within a reasonable time, we will transport the vehicle anywhere in the UK and transport you and your passengers to the same destination.  
  
• Rescue, Recovery, At Home & Onward Travel – Rescue, Recovery, At Home & Onward Travel covers you in the event of a breakdown and if we cannot fix the car within a reasonable time or locally, we will arrange and pay for a hire car (small hatchback), or alternative transport up to £150 per passenger or £500 for all passengers, whichever is less or hotel accommodation up to £150 per passenger or £500 for all passengers, whichever is less. Minimum age for the replacement vehicle is 21.  

Cover Excludes cost of replacement parts and garage labour costs. For more details about what is and isn’t covered please see the Breakdown policy booklet (PDF 191KB).

Please be aware that this cover is not available if you live in Northern Ireland.

Foreign Travel cover gives you Comprehensive cover while you’re using your car abroad in Europe. You’re covered up to 90 days per trip, and a total of 6 months during an insurance year.

You can also add optional European Breakdown cover to provide you with breakdown cover while in the EU, giving you breakdown recovery, roadside assistance, urgent message relay, cost of onward travel and recovered to and from a UK port for a maximum of 90 days in a single trip and up to 6 months per insurance year. Foreign Travel cover must be selected as well.

For more details about what is and isn’t covered including countries that you would be covered in, please read the Motoring in Europe policy booklet (PDF 118KB).