Car Insurance

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Cover for you and your vehicle

Starting from £160, our comprehensive car insurance insures you against the cost of accidents and damage. 10% of customers paid this for standard cover 1.

Uninsured driver cover

You’ll be covered if you’re in an accident that wasn’t your fault with an uninsured driver 2

Vehicle recovery

We’ll repair your car at the roadside – or get you to our nearest approved repairer

Driving other cars

Third party cover if you need to drive someone else’s car  3

You can also add additional cars to your policy with our MultiCar cover as well as optional extras like breakdown cover and courtesy cars.

Take a look at what our customers have to say about our Car Insurance.

4.5 / 5 from 5468 customer reviews Read our customer reviews

Your car cover options

We offer 2 types of car insurance – comprehensive or third party, fire and theft cover– so you can select cover to suit you. Here are the key features of our car insurance options.

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) 3
  • 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.

Read our Motor Insurance Policy Booklet PDF (498KB)

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 4
  • 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.

Read our Insurance product information document PDF (82KB)

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.

Read our Motor Insurance Policy Booklet PDF (498KB)

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 4
  • 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.

Read our Insurance product information document PDF (82KB)

Ready to get cover?

Take out our car cover online and you could get up to 20% off the standard price *.

How our claims process works

Whatever happens, we're here to help – online or over the phone.

1
Let us know

Log in to MyAviva to make a claim online (if you're registered).

Or call us anytime on 0345 030 6925 5.

You'll need your policy number to start your claim – so it's a good idea to have this to hand.

2
Expert review

We'll take a look at your claim and work out how best to help you.

We’ll review any photos or documents you’ve sent us as part of your claim and ask you for details of anyone else involved. 

3
We'll respond quickly

We'll get back to you as soon as we can to sort things out.

Depending on your cover, we'll organise repairs to get you back on the road. Or work with you to settle your claim if your vehicle can't be fixed. 

Motor articles

Take a look at our latest news and guides.

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Contact us

Still need help? Give us a call.

0800 001 4002

Monday to Friday 08:00 20:00

Saturday 09:00 17:00

Sunday and bank holidays 10:00 16:00

Important information

1. 10% of customers buying comprehensive car insurance with us from August to October 2017 paid this price or less for our standard cover (excluding optional extras). The price you will pay depends on individual circumstances, cover chosen and payment method.

2. You’ll need to provide us with details of the other vehicle and driver. This only applies to comprehensive motor insurance. 

3. Only applies if the vehicle policyholder has Comprehensive cover, is aged 25 or over and the motor insurance certificate indicates that the vehicle policyholder can drive such a vehicle. The cover provided while driving other cars is Third Party only.

4. If you’ve already got car insurance with us you can add breakdown cover to your policy. Or, you can have breakdown cover by itself.

5. For our joint protection, telephone calls may be recorded and/or monitored. Calls to 0800 numbers from UK landlines and mobiles are free. The cost of calls to 03 prefixed numbers are charged at national call rates (charges may vary dependent on your network provider) and are usually included in inclusive minute plans from landlines and mobiles.

* 45% of customers are expected to receive the maximum saving. Discount depends on individual circumstances and does not apply to optional extras. Minimum price applies.