Aviva Car Insurance Review

The first thing to mention about Aviva car insurance is their website. I have personally used it and it is easy, quick and simple. If you are looking for car insurance then Aviva is probably one of the best companies to go with. None of us wants to spend an inordinate amount of time researching the right company when it comes to car insurance; we’re all very busy people these days, trying to earn an honest living. With Aviva and their car insurance quotes; all you have to do is go through 6 quick and easy steps to obtain a quotation that will suit you. I managed to get a quote in less than 5 minutes!

If you do not have access to the internet for one reason or another, it’s easy enough to find the number for Aviva car insurance in your business directory and you will find that their employees’ are friendly and very knowledgeable about the car insurance policies they have to offer. If you are a “newbie” when it comes to car insurance, the staff at Aviva will guide you through each step of obtaining the right car insurance to suit you.

What Types of Car Insurance Policies can you expect to get with Aviva?

What you should be aware of here (and this is my opinion and not Aviva’s) is that you should, where possible get a fully comprehensive car insurance policy. This means that you will be covered for just about any unfortunate eventuality that may occur when you are out driving or if you car is parked and gets damaged.

There are 2 types of car insurance policy you can get with Aviva and they are:

Third Party Fire and Theft or TPFT – With this type of car insurance policy you will receive the following:

  • Of course your car will be covered for any loss or damage which comes about as a result of fire, theft or damage. Please do bear in mind that should you need to replace your car as a result of something like this happening, you will only receive the market value of your car.
  • The audio equipment in your car will also be covered with this type of car insurance policy however; you will be limited to £100 in value.
  • Aviva also offer a vehicle recovery or transport service with this policy. This means that should you be involved in an accident on the road; you will have a representative come out to you. If your car cannot be repaired there and then, your car will be taken to one of Aviva’s approved repairers (you don’t have to use an approved repairer however, this may result in delays). If your car does have to be taken to a garage, Aviva will ensure that you are either taken home or taken to the destination you were originally trying to reach. Once your car has been repaired, they will deliver it back to your home address.
  • Under this type of car insurance policy, you and any of your passengers will be covered for emergency medical treatment should you need it.

Fully Comprehensive – With this type of policy you will receive the following:

  • Everything mentioned above, plus….
  • If your car is a right off Aviva’s fully comprehensive car insurance policies will ensure that you are reimbursed with a new car….don’t get too excited here, they will replace your vehicle with the exact same make, model and year that you had previously.
  • If you happen to experience your windscreen or your windows being smashed as a result of vandalism, theft or due to an accident Aviva will replace them for you.
  • Medical expenses – this is slightly different to the TPFT policy in that it is not limited to you requiring emergency treatment. Sometimes injuries that are sustained during an accident do not surface until later, should this happen to you then Aviva will cover any medical expenses associated with your injuries.
  • You are covered for personal belongings that are lost or stolen from your car with this type of car insurance policy; there are limits though; so make sure you check these out first to make sure that it will suit your needs.
  • If you lose are have your keys stolen, Aviva will replace them and also the locks on your car. For those of you that have fancy anti-locking systems or keyless entries on your car do not worry Aviva cover this as well.
  • No claims discount (thinking about it, this should have come top of the list, anyway, I got there in the end). This is available not just for you but also for any named driver that you have on your car insurance policy.
  • For all of the parents out there, Aviva have not forgotten about you, if you have little ones you will need a child seat. If this happens to be damaged during an accident, is stolen or damaged by fire Aviva will give you up to £100 for a new one.
  • Tools are also covered with this type of car insurance policy, however, it is limited to non-powered tools and if you have tools in your car that are used for business this policy will not cover them. If you need that type of cover then take a look at their insurance policies for businesses.
  • Of course as with a lot of companies these days, Aviva will ensure that you do not lose out if you are hit by an uninsured driver. As long as you can provide them with the make of car, registration number and the details of the driver that hit you; they will ensure that your no claims discount is not affected and that any excess that you have to pay is refunded back to you.

Some Other Little Extras to look out for

You will find that car insurance policies with Aviva will start from as little as £200; this may sound very cheap but believe me they do! If you have a policy that only costs you this amount don’t expect to be treated any differently than those customers that spend more with them. Aviva pride themselves on their customer service and in my experience, they deliver.

If you are looking for a multi-car insurance policy Aviva are currently offering up to a 20% saving, so if you are currently in the market for this type of policy, get yourself on the website today! There are all sorts of incentives to help you decide that Aviva is the company for you when it comes to your car insurance. You can expect to get great deals when it comes to renewing your car insurance policy. They have a great little system connected to their website which means that you can manage your account online and you can even print off your own cover note directly from the website.

If you buy your car insurance through Aviva’s website they will give you £5 off straight away. Oh, and here is the best bit….they are currently offering 15 weeks free with any new car insurance policy that is taken out with them. This could mean a saving of well into hundreds of pounds for you.

In Conclusion

If you are looking for a car insurance company that will treat you like a person rather than just a number then Aviva is the company to go with. I cannot stress enough how good their customer service department is. When contacting them for the first time, you will not receive the “hard sell” and the sales people that work for them know exactly what they are talking about, so you will not find anyone saying to you “one second, I’ll just check with my manager”!

Aviva have been around for some time now and they are committed to ensuring that you, personally, receive the right level of service and most importantly of all that you take out the right car insurance policy for you. For me, I would not use anyone else, I poodle about quite happily in my car safe in the knowledge that I am properly insured and, with a company that knows the car insurance business inside and out.

It’s worth keeping an eye on Aviva and the part of their website that deals with car insurance; they are constantly watching their competition and always have great offers available. The mere fact that they have recently launched the 15 weeks free deal is proof of this as there is other major car insurance companies that have started to offer a number of weeks free. Aviva car insurance, however, have beaten the total number of weeks that you can get when signing up for a new car insurance policy.

Aviva are not just a company that deals in car insurance policies that are about the “numbers” game, they care about their customers and making sure that they renew year on year.

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