Car Insurance

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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 £196, 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

If your vehicle is involved in an accident caused by an uninsured motorist, we'll refund any excess you've paid.2

Transport after an accident

If your car isn't safe to drive, we'll get you home, or to your destination and get your car to a repairer. 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
    If you have an accident and your vehicle is not roadworthy we’ll take it to one of our approved garages
  • 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 claim 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 6. Not available if you live in Northern Ireland
  • Protected no claim discount
    You won't lose your no claim discount as a direct result of a single claim
  • 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 6. Not available if you live in Northern Ireland
  • 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)

The language of car insurance can be confusing, so we’ve created a handy car insurance glossary to explain some of the key terms and words that are used.

Optional add-ons

Tailor your cover to suit your needs by adding optional extras

Protected No Claim Discount

You won't lose your no claim discount as a direct result of a single claim.

Motor Legal Services

Up to £100,000 in legal costs paid if you’re in a car accident that’s not your fault.

Courtesy car

We’ll keep you on the road with a courtesy car if yours is damaged, written off or stolen. Comprehensive insurance only.

Motor Injury Protection Plus

Cover if you, your partner or any named drivers suffer a serious injury or death as the result of an accident in the insured car. Comprehensive insurance only.

UK breakdown cover

From roadside repairs to getting you where you need to go. Help if your car breaks down. Not available if you live in Northern Ireland.

Foreign use

Stay covered while driving in Europe. European Breakdown also available. Comprehensive insurance only.

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
  • Over 1 Million people protect their car with Aviva 7
  • We’ve got heritage
    We’ve been protecting customers for over 325 years
  • You can count on us
    In 2020 we repaired over 45k vehicles

Get a quote for Aviva Car insurance in minutes!

You can get a quote faster by telling us your car registration so we can look up the details directly with the DVLA.

Read our customer reviews

Save with our MultiCar cover

  • Save 10% for every extra vehicle you add to your policy. Discount doesn't apply to optional extras or at renewal. Excludes Aviva Online and Aviva Premium car insurance products^.
  • Insure up to five vehicles — giving you one policy, one provider and one renewal date. All cars must be registered at the same address.
  • Different levels of cover and add-ons for each vehicle — they don’t have to be the same.
multicar cover

Already with us?

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

MyAviva

Manage your cover with MyAviva

Log in to your MyAviva account to manage your policy quickly and easily. You can update your details, add a vehicle, start a claim, view your policy and more. Don’t worry if you’re not registered, it only takes a few minutes.

Driving abroad?

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

Motor articles and tools

Take a look at our latest news and guides.

Motor insurance FAQs

What's the difference between a principal policyholder, a vehicle policyholder and a named driver?

Do I have to use an approved repairer or specialist?

Am I covered to drive other vehicles?

Will my car insurance allow me to drive abroad?

What are Motor Legal Services, courtesy car, protected No Claim Discount, Motor Injury Protection Plus, Personal Accident and breakdown cover?

Still need help?

If you’ve still got a question, find out how to get in touch on our contact us page.