Car Insurance
Here for your emergency claims 24/7, 365 days a year
Cover for you and your vehicle
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.
Uninsured driver promise
We'll refund your excess if you're in an accident with an uninsured driver, that wasn't your fault 2
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
Your car cover options
We offer two 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) 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.
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
Important documents
If you already have insurance with us, you'll find the documents for your policy in MyAviva.
Motor Insurance Important Information
PDF (103.8 KB)
Motor insurance product information document
PDF (80.2 KB)
Motor Insurance policy wording
PDF (255.0 KB)
Motor cover limits
PDF (139.5 KB)
Motoring in Europe - Extension to Cover
PDF (117.5 KB)
Rescue from Aviva terms and conditions
PDF (155.3 KB)
About our insurance services
PDF (25.0 KB)
How our claims process works
Whatever happens, we're here to help – online or over the phone.
Let us know
Log in to MyAviva to make a claim online.
You'll need your policy number to start your claim – so it's a good idea to have this to hand.
If it is an emergency please call us anytime on 0345 030 6925 ^.
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.
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.
Looking for something different?
We've got a range of other car insurance products to protect what's important to you.
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 9:00am - 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. 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.