Car Insurance

94% of customers rating us online would recommend us to a friend *

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Here's what customers have to say about Aviva Car Insurance

4.6 / 5 from 3632 customer reviews Read all 3,632 reviews

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 £207. That's all 10% of customers paid 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

You’ll be covered 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

Named driver discount

Named drivers who remain claim free can earn a named driver discount, to use in the future, if they take out their own Aviva Motor Insurance policy 3

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) 4
  • 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 (554KB)

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 5 
  • 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 5
  • 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)

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.

5 Star Defaqto Life Assurance Direct
  • 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.

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 6.

Already with us?

Need to claim? The sooner you get in touch with us, the sooner we can help you. How to claim

MyAviva

Manage your cover with MyAviva

  • Update your details
  • Add a vehicle
  • Start a claim
  • View your policies
  • View your discounts

Driving abroad?

Green cards are not required to drive in the EU, the EEA, Switzerland, Serbia or Andorra at this time but may be required at the end of the Brexit transition period, 31 December 2020.

For information on green cards or how Brexit may impact your Aviva policies please visit our FAQs.

Contact us

Still need help? Give us a call.

0800 051 2374

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 and will be saved for a minimum of 5 years. Calls to 0800 numbers from UK landlines and mobiles are free.