Aviva Car Insurance Overview

I’ll drive (sorry, dive) straight in and tell you how much I like the Aviva car insurance website. Having used it personally, I can safely say it’s a got an easy to follow layout, is quick and (especially in my case), is simple! I’m not the sort of person to sing the praises of a company if they’re no good. In fact, I’m probably better known for complaining. However, credit where credit is due, and in my opinion if you’re looking for car insurance, Aviva are the company to take a serious look at.

First of all, (and I don’t know about you) but time is precious these days. Thinking about it, the saying “time is money” was never truer than it is today, which is why I don’t want to spend most of my day looking for some car insurance. What’s great about Aviva is you only have to follow a few steps (just 6 in fact) so you can get a quote. When I used them, it took less than 5 minutes for me to get a price so, I was happy right from the beginning.

For those of you who don’t have access to the internet 24/7, you’ll get just as quick a response on the phone, and they’re easy enough to track down (just check your business directory) or ask the next-door neighbour! The chances are they’ll have used them as well. Just so I can back-up what I have to say, I spoke to them on the phone, and the staff were friendly to the point of being happy to pass the time of day rather than whizz you through the process and grab your card details.

I also found the staff to be knowledgeable about the product I was after (in this case, car insurance), and all the questions I had were answered without be being stuck on hold while they check with a colleague! They’re also more than willing to guide you through step by step if it happens to be your first time buying car insurance (I know this because I sat with my little sister while she put them through the ringer)!

So, what do you get with Aviva car insurance? Well, read on and you’ll find out:

Types of Car Insurance Polices Aviva Offer

I want you to know that when I say you should consider a fully comprehensive car policy, that’s my personal opinion and not the guys at Aviva. Call me cautious but I feel a lot better knowing I’m covered no matter what happens when I’m out on the road or parked at my local supermarket.

Right, that’s my “soap box” bit done! On to the good stuff – the sort of policies Aviva car insurance offer and what can expect from them:

Third Party Fire and Theft (Or for text speakers – TPFT)

If you don’t like bullet points, look away now!

  • The obvious benefit with this type of car policy is your car is covered if it’s damaged due to (you guessed it), fire or theft. It also covers you if you lose your vehicle well, let’s not wrap it up in cotton wool – if your car is stolen. One thing to remember if the idea of a brand-new car is going through your mind, is you will only get the current market value by way of replacement so, no Aston Martin for you!
  • Audio equipment like your radio or CD player is also covered but as with replacement of the whole vehicle, you won’t be able to claim for a gold-plated music device! If you’re interested in how much you get, it’s up to £100.
  • Surprisingly (well, it surprised me anyway), Aviva will make sure you’re not left stranded if poor “metal mickey” has to go into the garage half way through taking you to work. So, if you thought the excuse “I won’t be at work today, by car broke down” is going to get you an impromptu day off, think again. Basically, if you are involved in an accident, a kindly representative will pay you a visit. If they can fix the problem, all well and good. If not, “mickey” will be taken to an approved repairer whilst you’re carted off to work! Oh, and you won’t have to make your way to the garage when the car is ready because Aviva will make sure it’s delivered back to your home address.
  • If you’re damaged or, indeed, any of your passengers are in an accident, Aviva third party fire and theft insurance policies will cover all of you for emergency medical treatment if you need it.

My Favourite – The Aviva Fully Comprehensive Car Insurance Policy

 

Forgive me for mentioning this again, but for the few extra pounds it will cost, I will always favour a fully comprehensive policy over any other, and when you read what Aviva’s comes with, I’m betting you’ll agree!

Of course, you’ll get everything I’ve mentioned in the TPFT insurance policy along with the following:

  • So, your week hasn’t got off to a great start because your car has been written off! You’re ok which is the main thing but what do you think next? Woohoo! I’ve got Aviva car insurance and they’ll give me a new one ‘cos mine is “pining for the fjords”. Well, don’t open the champagne too soon because although they will give you a new car, it will be the same make and model. Plus, it will also be the same year. So, yet again no Aston Martin for you!
  • Not quite so bad, but still VERY annoying is if someone decides to bash your windscreen and/or windows in. It could also be that you’ve been in an accident and the only damage is to the glass. If so, Aviva will replace the lot!
  • Medical attention is often needed straight after an accident, and this company are no different to many others in that they’ll cover you for it. However, injuries like whiplash don’t always rear their ugly heads straight away. Unlike a lot of other insurers, Aviva car insurance will cover medical expenses for injuries that take their time to show.
  • Lost or Stolen, yet another REALLY annoying thing to happen. It doesn’t matter if your keys have decided to go into hiding, or you have personal items stolen from your car, this insurance policy will cover you for it. That said, make sure you check what items are covered because there are limits. One benefit worth mentioning is that if your keys are replaced, you won’t have to pay to get your locks changed because this is covered as well.
  • The biggie – No claims discount! We all love no claims discounts. After all, it can save us a shed load of cash when we have to renew car insurance. What’s great about Aviva is it’s not just you that benefits. Any named driver on the policy can accumulate some no claims as well.
  • Keeping your kids safe is paramount when you’re out in the car which is why all parents make sure they have the appropriate child seat. Well, Aviva haven’t forgotten you, and if you child’s seat is damaged in a fire or accident or, (why, why, why) is stolen! Aviva will give you a whopping £100 so you can get a new one.
  • If you’re an avid DIY’er and don’t like to be far away from your tools, you’ll be covered if something happens to them. For obvious reasons, this only covers non-powered tools for personal use and not business. If you need cover for business tools, Aviva have other policies to help you with that.
  • Grrrrr……uninsured drivers – don’t they just get under your skin! When this first became a problem in the UK, it took car insurance companies a little by surprise. However, Aviva have been quick to catch on and will protect you from this. Remember to keep your head after an accident though (no pun intended), because you will need the registration, make of the vehicle, and the driver’s details. Provide Aviva with this information and your no claims discount will be protected, plus any excess you’ve had to pay is refunded back.

It’s Not Just Halifax That Give a Little Extra!

As we all know, car insurance can cost an “arm and a leg” (again, no pun intended) but believe me when I say Aviva can offer policies for as little as £200! If you think you’ll be treated like you’re only spending a small amount with them, don’t! Aviva have fantastic customer service, and will always make you feel like you’re the only one they’re dealing with. I should know because I deal with them.

It’s also no secret that multi-car insurance polices are becoming ever more popular, and this company are no exception. If you take out cover like this, you can expect to save up to 20%! In my humble opinion, it’s worth getting on the website just to see that in black and white.  They don’t just stop there with the little extras either. If you’re in a hurry or need your cover note pronto, they have a system where you can print one off straight from the website. If you want to, you can even manage your account online, and when it’s time to renew go to them before anyone-else as they’re always keen to keep your business without compromising on service.

Oh, and if you’re over 50 (sorry youngsters), you can expect to save up to £165. If you’re starting to think Aviva are ageist, don’t! It doesn’t matter how old you are (well, old enough to drive obviously), if you buy car insurance online there are all sorts of deals to be had.

Overall

I can’t rant on enough about how good Aviva are. Considering they’re in one of the most competitive industries in the UK (and one of the most cut throat), they really stand out from the crowd for me. They’re customer service is second to none, so you’ll be left feeling like you’ve spoken to a real person instead of a machine. The people who work in customer service are clearly not target driven because there’s no “hard sell” and you won’t be coerced into buying something that won’t suit you.

Plus, 9 times out of 10 you’ll get the answer to your question because no-one is put on the customer “front line” unless they know what they’re talking about. There are certainly no “I’ll just check with the manager” comments at this company. Aviva may not be the oldest insurance company on the market, but they’ve been around long enough to understand what their customers want – and they’re committed to delivering!

I wouldn’t go elsewhere, and I feel safe in the knowledge that should anything go wrong while I’m “put-putting” about in my car I have a company behind me who will make sure I don’t suffer any additional stress. The impression I get is (unusually for an insurance company) that they really want to deal with the same customers year after year.  Although, you won’t be left out if you’re a “first time” buyer. The car insurance deals you’ll find at Aviva for new customers are some of the best on the market, especially if you’ve just got your first car.

All in all, I think Aviva car insurance is at least worth a look when you’re on the hunt for a policy like this. Their website is easy to navigate, it’s not hard to find a number and speak to a real person if that’s what you need, and they will save you money on your car insurance.

Everyone knows how important it is to make sure you’re insured on the roads, and the easier and more cost effective it is for the consumer, the more likely we are to make the right decision and get protected. Aviva know this. You only have to look at the fact they have a 5-star rating from Defaqto to understand just how good they are!

 

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