Introduction
In today’s fast-paced world, car insurance is a necessity for every car owner. With numerous insurance providers in the market, it can be overwhelming to choose the right one. One such provider is Aviva, a well-established insurance company with a reputation for providing reliable coverage and exceptional customer service. In this article, we will delve into Aviva car insurance reviews, exploring the key features, benefits, and drawbacks of their policies. By the end, you will have a comprehensive understanding of Aviva car insurance and be equipped to make an informed decision.
Aviva Car Insurance: An Overview
Aviva is one of the leading insurance companies in the United Kingdom, offering a wide range of insurance products, including car insurance. With a robust presence in the market, Aviva has garnered a significant customer base over the years. Their car insurance policies are designed to provide comprehensive coverage and peace of mind to policyholders. Let’s explore the various aspects of Aviva car insurance in detail.
Coverage Options
Aviva offers different coverage options to cater to the diverse needs of car owners. Their policies typically include:
- Third-Party Only: This is the most basic level of coverage, meeting the legal requirements to drive on public roads. It covers damages caused to third parties but does not provide coverage for your own vehicle.
- Third-Party, Fire, and Theft: In addition to third-party coverage, this policy also covers damages caused by fire and theft-related incidents.
- Comprehensive: This is the highest level of coverage offered by Aviva. It includes protection for damages to your vehicle, third-party liability, and additional benefits such as personal injury coverage and roadside assistance.
Benefits and Features
Aviva car insurance policies come with a range of benefits and features that enhance the overall coverage. Some notable benefits include:
- No Claims Discount: Aviva rewards safe drivers by offering a no claims discount. The longer you go without making a claim, the higher the discount you can enjoy on your premium.
- Courtesy Car: In the event of an accident, Aviva provides a courtesy car to keep you on the move while your vehicle is being repaired.
- 24/7 Claims Assistance: Aviva’s dedicated claims team is available round the clock to assist you in case of emergencies or accidents.
- Personal Belongings Cover: Aviva’s comprehensive policy includes coverage for loss or damage to personal belongings kept in your car.
- Windscreen Cover: Aviva provides coverage for repair or replacement of damaged windscreens, ensuring clear visibility on the road.
- Legal Expenses Cover: In the event of a non-fault accident, Aviva offers legal expenses cover to help with legal costs.
Drawbacks and Limitations
While Aviva car insurance offers numerous benefits, it’s important to be aware of the potential drawbacks and limitations of their policies. Some key points to consider include:
- Higher Premiums: Aviva’s comprehensive coverage comes at a higher premium compared to basic policies. It’s essential to consider your budget and the level of coverage you require before making a decision.
- Excess Payments: Like most insurance providers, Aviva requires policyholders to pay an excess in the event of a claim. The amount of excess can vary depending on the policy and circumstances of the claim.
- Limited Coverage for Modifications: If you have made modifications to your vehicle, it’s crucial to check Aviva’s policy to ensure that the modifications are covered. Some modifications may require additional coverage or may not be covered at all.
- Exclusions and Conditions: Aviva car insurance, like any other insurance policy, has certain exclusions and conditions. It’s important to thoroughly read and understand the terms and conditions to avoid any surprises during a claim.
Customer Reviews
To gain further insight into the quality of Aviva’s car insurance, it’s crucial to consider customer reviews. Reviews from existing policyholders can provide valuable information about the company’s customer service, claims process, and overall satisfaction. Here are some key points highlighted by Aviva car insurance reviews:
- Prompt Claims Handling: Many customers appreciate Aviva’s efficient and prompt claims handling process. The 24/7 claims assistance ensures that customers can report accidents and receive support whenever needed.
- Excellent Customer Service: Aviva is known for its friendly and helpful customer service team. Policyholders have praised the company for their responsiveness and willingness to address queries and concerns.
- Competitive Premiums: While Aviva’s comprehensive coverage may come at a higher premium, many customers believe that the benefits and quality of service justify the cost. The company offers competitive rates compared to other insurance providers in the market.
- Smooth Renewal Process: Customers have reported a smooth and hassle-free renewal process with Aviva. The company sends timely reminders and provides options to renew policies online or over the phone.
- Limited Complaints: While no insurance company is immune to complaints, Aviva has relatively fewer negative reviews compared to its competitors. Most complaints are related to individual claim experiences or specific policy conditions.
How to Choose the Right Policy
Choosing the right car insurance policy is crucial to ensure adequate coverage and peace of mind. Here are some key factors to consider when selecting an Aviva car insurance policy:
- Assess Your Needs: Evaluate your driving habits, the value of your vehicle, and your budget to determine the level of coverage you require. Consider factors such as your daily commute, usage patterns, and personal preferences.
- Compare Coverage and Premiums: Request quotes for different Aviva car insurance policies and compare the coverage and premiums. Pay attention to the specific benefits, limitations, and exclusions of each policy to make an informed decision.
- Read Customer Reviews: Take the time to read customer reviews and ratings to gauge the overall satisfaction and experience of existing policyholders. Look for patterns in reviews to identify any recurring issues or positive aspects.
- Seek Professional Advice: If you’re unsure about the intricacies of car insurance policies, consider consulting an insurance broker or advisor. They can provide personalized guidance based on your specific needs and circumstances.
- Review Policy Terms and Conditions: Before finalizing your decision, thoroughly read and understand the terms and conditions of the policy. Pay attention to any exclusions, excess amounts, and conditions that may affect your coverage.
Conclusion
Aviva car insurance reviews highlight the company’s commitment to providing quality coverage and excellent customer service. With comprehensive policies, a range of benefits, and competitive premiums, Aviva strives to meet the diverse needs of car owners. By considering factors such as coverage options, benefits, limitations, and customer reviews, you can make an informed decision when choosing an Aviva car insurance policy. Remember to assess your needs, compare policies, and seek professional advice, if required. With the right policy in hand, you can hit the road with confidence, knowing that you are protected by Aviva car insurance.
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CM
10 hours ago
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The easiest policy to set up
The easiest policy to set up
Having put all the info in through the comparison site, setting up the policy and paying was as straight forward and as easy as anyone could wish for. All the information was transported across. Other insurer sites that I’d clicked through to from the comparison site were so confusing – suggesting upgrades to things I thought were already on the policy as per the info on the comparison site. I’ve never used an insurance company to make a claim before, so I have no info on that side of things.
Date of experience: February 27, 2024
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CB
8 hours ago
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Easy process great price
Very easy process on line from money supermarket.com to Aviva. My renewal price from my existing insurer was an 86% increase!!
I renewed with Aviva for £5 less than I paid last year – result!
Date of experience: February 27, 2024
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MC
13 hours ago
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Fairly easy to do
Fairly easy to do. Very unnerving not speaking to an agent personally! I know it’s cheaper but would prefer speaking to an agent! Especially if I now need to get in touch with a problem or an address change etc not the live chat experience!!!!!!
Date of experience: February 27, 2024
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RO
2 hours ago
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Bought through comparison site
It was very easy to arrange online and the quote was much better than my renewal premium. It dropped a star because I got a much better price buying through a comparison site than direct from Aviva.
Date of experience: February 27, 2024
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JU
2 days ago
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I had previously been quoted £293 but…Stressed Out
I had previously been quoted £293 but unfortunately had a cancer diagnosis which overtook everything in the last 10 days. Although technology is the way to go, in these circumstances it would have been easier if I could have spoken to someone. I have been trying to sort out the insurance this morning and got to the pay point. On my phone it stated to wait to go to app to authorise payment. It took forever so I exited and went to tablet. I had to go through the whole process again (very stressful) I realised once at pay point on tablet the ‘green box’ which said continue to app was very visible. This was not the case on my phone hence I started again. This also resulted in the cost going up by a further £6 in a very short time. So in total it seems my cancer diagnosis has now cost me a further £61 to renew my car insurance – Not happy 🙁😡
Date of experience: February 26, 2024
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Reply from Aviva2 days ago
Good morning Juli,
Thank you for taking the time to leave your review, and I’m sorry to hear you had some difficulties with taking out the policy via your phone, and your tablet.
It does concern me that the premium has increased with no changes, if you went into the same quote the premium should be the same.
If you’d like to discuss this further, please contact us directly using the details below along with your policy number, full name, DOB, and details of your query.
Kind Regards
Jo
If you need to contact us, you can find us on Facebook or Twitter at @AvivaUK. You can also contact us here 👉 https://www.aviva.co.uk/help-and-support/contact-us/ if you do not wish to use social media.
MA
2 hours ago
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Very good experience
Very informative and easy to follow.
I would recommend.
Hopefully as good at assisting with advice and guidance if needed, hopefully not needed.
Date of experience: February 27, 2024
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GRGreg
2 days ago
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What a nice pleasant experience to…
What a nice pleasant experience to renew my car insurance.A really user friendly website and no glitches at all .Great pricing and great policy very happy so far,
Date of experience: February 25, 2024
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RO
5 days ago
Aviva doing great…
I work for diligenta doing the aviva contract but this not biased review
I requested to take some money out from my work pension 1week ago the money is in my bank account already how good is that that’s 7 days from first contact
Date of experience: February 22, 2024
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PE
9 hours ago
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Quick and easy car insurance renewal
Quick and easy car insurance renewal. Competive price, lower excess payment and a few free optional extras thrown in
Date of experience: February 27, 2024
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MC
5 days ago
Abysmal non existent customer service
Progressed a claim through my work health policy. Mostly was OK apart from when you need to speak to someone. Aviva obviously employs the minimum personnel possible for customer service as you cannot get through to anyone. Abysmal customer service considering the cost of the policies.
Date of experience: February 22, 2024
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Reply from Aviva5 days ago
Hi Mark,
Thank you for taking the time to leave this review.
Lots of our processes can be done online/via email, however we do have contact centres and all phone calls and emails are responded to by colleagues.
If you wish to raise this with the Team, please reach back out via contactus@aviva.com or directly to the Customer Care Team via aviva.co.uk/help-and-support/contact-us/complaints/complaint-form/.
~ Celine
See Trustpilot reviews directly in your Google searches
4 days ago
I have repeatedly tried to speak to a…
I have repeatedly tried to speak to a customer services adviser today. I have accessed the online MyAviva and chat. Despite waiting times approximately 25 minutes I was disconnected after first 20 minute call? I am ,as I write in a queue ( at least 25 minutes)to speak to an adviser .
This is the first time I have needed to make contact and quite frankly I am very dissatisfied with the long wait times and have yet to get through to an adviser.
Date of experience: February 23, 2024
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Reply from Aviva4 days ago
Hi Jan,
Thank you for leaving us a review, and I’m sorry you’ve been affected by the high levels of demand.
So that we can provide you with the most accurate contact method, please could you private message us your policy number on either Facebook or Twitter (X) @AvivaUK and also quote #23679.
Thank you.
Viktorija
If you need to contact us, you can find us on Facebook or Twitter at @AvivaUK. You can also contact us here 👉 https://www.aviva.co.uk/help-and-support/contact-us/ if you do not wish to use social media.
MC
1 days ago
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I could have got my quote cheaper
I could have got my quote cheaper, but the price I paid for being with a well known company made the choice easier.
Date of experience: February 26, 2024
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JA
A day ago
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Easily explained and understood
Easily explained and understood. Layout of questions easy to follow and above all a very good price
Date of experience: February 26, 2024
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PP
A day ago
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Usual BS with insurance
Usual bullsh** with insurance. ‘Let’s totally dazzle the bast**ds with page after page of additions, extras and add-ons.. constantly making people feel ANXIOUS for their death and disability!’ Hey that’s how this insurance business works!!! Does anyone ever really know what the hell they’ve paid for? Oh yes, we’ve paid for some curly-shoe wearing insurance tw**s to go on holiday!!!! IT’S ALL A CON.
Date of experience: February 26, 2024
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Reply from AvivaA day ago
Hello Paul,
Thanks for taking the time to leave a review. I’m sorry to hear you feel this way. If there’s anything we can do to help please pop us a private message on Facebook or Twitter with your full name, policy number and DOB and the team will be happy to help.
Kind regards,
Alice
If you need to contact us, you can find us on Facebook or Twitter at @AvivaUK. You can also contact us here 👉 https://www.aviva.co.uk/help-and-support/contact-us/ if you do not wish to use social media.
LU
Feb 20, 2024
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Quick and easy
I got a car insurance quote on a comparison site and progressed from there to the Aviva site. The purchase process was easy and very quick. Within a matter of a very few minutes I had a new policy sorted. They even verified my Protected No Claims Discount, which in the past I have usually had to do myself!
Date of experience: February 20, 2024
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Reply from AvivaFeb 20, 2024
It’s always nice when we can do the leg work for our customers! So pleased we were able to help and welcome to Aviva! ~ Celine
KM
6 days ago
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Aviva Online
Purchased Aviva insurance today because they offered the best value for money policy available with a very reasonable excess and competitive pricing. With the addition of free legal cover and a company you can trust I am confident I have made the right choice.
Date of experience: February 22, 2024
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JA
7 hours ago
Awful Service
Awful Service
Aviva Zero are without doubt the worst company I have ever dealt with. From a chat service where the agents are completely uninterested, a claim left open for nearly a year despite assurances it was closed, to stripping away of NCD. Completely disjointed customer service structure.
I will be referring this to the financial ombudsmen.
Date of experience: February 27, 2024
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LI
5 days ago
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Faultless
First time using Aviva via Go Compare. Set up of house insurance via online was faultless and pleased not lengthy phone calls. Hopefully their service is as good should we ever need to use them, only time will tell.
Date of experience: February 22, 2024
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HK
2 days ago
Change of personal details
I have a simple request. My credit card details have changed and I need to provide new details to an adviser because I’m about to renew my policy. Apparently Aviva no longer employs actual advisers who will speak with customers. So I may just cancel my policy and take my business else where. I guess this is a new development but not everything can be done online. Very disappointing from a company I’d always rated highly.
Date of experience: February 26, 2024
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Reply from AvivaA day ago
Hi Hollie,
Thanks for taking the time to leave a review.
I’m sorry to see how you’re feeling regarding your request. We do have a telephony service but it will triage you to the most appropriate channel for your demand so we cannot always guarantee it will give you a number to call.
You should be able to amend your details within your online account. If you still need assistance please do get in touch with us directly on Facebook or Twitter at @AvivaUK with your policy details.
You can also contact us here 👉 https://www.aviva.co.uk/help-and-support/contact-us/ if you do not wish to use social media.
Thanks ~ Nat
MW
Feb 20, 2024
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Claimed on holiday insurance after…
Claimed on holiday insurance after cancelling due to medical condition. Aviva very helpful on phone, sent details of forms and info required. When completed and submitted claim paid in full within 48hrs
Date of experience: February 12, 2024
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Reply from AvivaFeb 20, 2024
Sorry to learn that you had to miss out on your holiday, Mike, but so glad we were able to help you in your time of need! Thanks so much for sharing your positive experience with us. I hope you can re-book it soon! ~ Tasha