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. We also cover electric and hybrid vehicles.
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.1
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 an approved repairer. 2
Guarantee on repairs
Following a claim, we guarantee the quality of the repairs made by our approved repairers. 3
You can also add additional cars to your policy with our Multi Car cover as well as optional add-ons like protected no claim discount, breakdown cover and courtesy car.
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 1 - 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) 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 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 554 KB)
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. 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 82 KB)
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 498 KB)
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. 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 82 KB)
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.
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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.
Explore breakdown cover (PDF 156 KB)
Foreign use
Stay covered while driving in Europe. European Breakdown also available. Comprehensive insurance only.
Explore foreign use (PDF 118 KB)
Source: https://www.aviva.co.uk/insurance/motor/car-insurance/#m-tabs-YqIQm