Car Insurance
Here for your emergency claims 24/7, 365 days a year
What does Aviva Car Insurance cover?
Our car insurance covers you against the cost of accidents and damage. You can choose from our comprehensive or third party, fire and theft insurance. Prices from £192, that's all 10% of customers paid (excludes optional extras) 1.
The minimum type of car insurance you need to drive in the UK is 'third party' and our Third Party, Fire and Theft insurance covers more than this basic level. Our 'comprehensive' level also covers damage to your vehicle. It's worth checking your price for comprehensive insurance - 'third party, fire and theft' and 'third party' cover aren't always cheaper.
Uninsured driver promise
We'll refund your excess if you're in an accident with an uninsured driver, that wasn't your fault 2
Recovery transport
Continue your journey if your car isn't safe to drive while we get everything fixed 3
3 year guarantee on repairs
Following a claim, we guarantee the quality of the repairs made by our approved repairers for 3 years as standard 4
You can also add additional cars to your policy with our MultiCar cover as well as optional add-ons like breakdown cover and courtesy car.
AvivaPlus car insurance is also available. Find out more
Compare the levels of Aviva Car Insurance cover
Comprehensive Car Insurance
What’s covered
- Loss or damage to your vehicle
Cover if your vehicle is lost, stolen or damaged
- Your liability
Cover if you injure someone or damage their vehicle or property in an accident
- Uninsured driver cover
If you’re in an accident with an uninsured driver that wasn’t your fault 2 - Vehicle recovery
We’ll make your vehicle roadworthy with roadside repairs, or cover up to £150 for accommodation or public transport - Driving other cars
Cover for driving someone else’s car (if you’re aged 25 or over) 5 - Legal costs
Cover for legal costs if you’re involved in an accident
- Motor injury protection
Cover for you, your partner and named drivers for death or serious injury after a motor accident
- Individual no claim discount
Earn a no claims discount on each vehicle you insure
What’s not covered
Unfortunately, we can’t cover everything – make sure you’re happy with what’s not covered, including:
- Electrical breakdown
Including problems with the on-board computers – as well as electrical components
- Tyres
Any punctures, cuts or bursts – including those caused by braking - Resale value
We can’t cover you for any loss in value of your car after repair
Take a look at our policy booklet for full details of what's not covered.
What’s optional
Choose optional add-ons at an additional cost to create cover that suits you.
- Breakdown cover
Roadside assistance, Recovery, At Home and Onward Travel to add to your car insurance 6 - Protected no claims discount
Your premium won’t increase as a direct result of 1 claim when you renew - Motor legal
Help recovering your compensation and financial losses after a motor incident which wasn't your fault - Courtesy car
Access to a replacement vehicle, with standard and enhanced options available - Foreign use
Cover driving in most European countries - Motor Injury Protection Plus
Injury cover and physiotherapy for you, your partner and any named drivers after a motor accident
Take a look at our Insurance product information document for more information about the extras available.
Third Party, Fire and Theft
What’s covered
- Damage to your vehicle
Cover against loss or damage to your car due to fire, theft or attempted theft
- Vehicle recovery
Protection and removal of your vehicle if damaged by fire, theft or attempted theft - Legal costs
Cover for legal costs if you’re involved in an accident
What’s not covered
Unfortunately, we can’t cover everything – make sure you’re happy with what’s not covered, including:
- New vehicle replacement
Not included with this cover option
- Medical expenses
Any medical expenses if you’ve been injured in an accident - Personal belongings
Loss or damage to any of your personal belongings - Replacement locks
Locks, transmitters and immobilisers if your keys are lost or stolen - Replacement glass
Repair or replacement of glass
Take a look at our policy document for full details of what’s not covered.
What’s optional
Choose optional add-ons at an additional cost to create cover that suits you.
- Breakdown cover
Roadside assistance, Recovery, At Home and Onward Travel to add to your car insurance 6 - Motor legal
Help recovering your compensation and financial losses after a motor incident which wasn't your fault - Protected no claim discount
Your premium won’t increase as a direct result of 1 claim when you renew
Take a look at our Insurance product information document for more information about the extras available.
Optional add-ons
When you get a quote, we'll ask if you need any of these optional covers.
Motor Legal Services
Expert legal support for you and the named drivers. If you have an accident, we also support any passengers who were in the car at the time.
Motor Injury Protection Plus
Financial peace of mind if you, your partner or named drivers are injured in an accident in the insured car. Only available with Comprehensive Car Insurance.
UK breakdown cover
Cover for your car, regardless of who's driving it when it breaks down. Choose from four different levels of cover.
Explore Breakdown Cover (PDF 311 KB)
Foreign use
Comprehensive cover while you're using your car abroad. Only available with comprehensive car insurance.
Explore Foreign use (PDF 216 KB)
Protect your no claim discount
Your price won't go up when you renew as a direct result of making one claim.
Courtesy car
We make sure you can carry on driving if your car is damaged, written off or stolen. Only available with comprehensive car insurance.
Why choose us?
We're proud that our cover's 5 Star rated by Defaqto – a trusted industry expert.
- We’re the largest UK insurer
With 15 million UK customers - We’ve got heritage
We’ve been protecting people like you for over 300 years - You can count on us
We settled 99.4% of all motor insurance claims in 2019. In 2019 we repaired over 71k vehicles
Get a quote even faster
We've cut the tricky questions to make it faster than ever to get a quote. You can get your quote even faster by telling us your car registration and driving licence number so we can look up the details directly with the DVLA.
Can't see what you need?
Do you want to insure a van? Need business insurance for people other than you and your partner? If so, take a look at our other types of cover.
Save money on car insurance
Aviva MultiCar
- Save 10% when you add extra cars. Discount doesn't apply to extra protection
- Up to 5 vehicles on one policy. All cars must be registered at the same address
- You can buy cover for two cars online. To insure three or more, call us on 0800 046 2722
Already with us? Get 10% off
You may qualify for a discount if you're already with Aviva. We'll automatically include it in your price if you qualify. The discount excludes optional add-ons. Excludes Aviva Online and Aviva Premium car insurance products 7.
Important documents
If you already have Aviva Car Insurance, you'll find the documents for your policy in MyAviva.
Already with us?
Need to claim? The sooner you get in touch with us, the sooner we can help you. How to claim
Manage your cover with MyAviva
- Update your details
- Add a vehicle
- Start a claim
- View your policies
- View your discounts
Driving abroad?
You will need a Green card to drive in the EU, the EEA, Switzerland, Serbia or Andorra.
For information on Green Cards or how Brexit may impact your Aviva policies please visit our FAQs.
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Contact us
Still need help? Give us a call.
Monday to Friday 8:00am - 8:00pm
Saturday 8:30am - 5:00pm
Sunday and bank holidays 10:00am - 4:00pm
For our joint protection, telephone calls may be recorded and/or monitored. Calls to 0800 numbers from UK landlines and mobiles are free.