If you have been driving on a company car policy then you do not earn your own no claim discount but we will be happy to consider you for an introductory discount dependent on your driving history on the company policy. Please contact us.
We will ask you for:
If you are a named driver on another Aviva car insurance policy we may be able to offer you an introductory discount. You can arrange a quote online and then contact us.
We will accept no claim discount (NCD) if it was earned from any of the following countries, if you earned NCD elsewhere please contact us.
European Union (EU) and European Economic Area (EEA)
Austria, Belgium, Bulgaria, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Republic of Cyprus (South), Republic of Ireland, Romania, San Marino, Slovakia, Slovenia, Spain, Sweden.
Others
Andorra, Australia, Barbados, British Virgin Islands, Canada, Gibraltar, Falkland Islands, Faroe Islands, Hong Kong, Japan, Monaco, New Zealand, Republic of Korea (South), Singapore, South Africa, Switzerland, United States of America, Zimbabwe.
We may ask for proof of your NCD which should:
Please note that your NCD will be valid for 2 years after the expiration of your last policy, provided it is not being used on another policy.
No claim discount (NCD) protection is an optional cover which protects your NCD from one "at fault" claim every year. It does not protect the overall price of your insurance policy, but does guarantee that your premium won't increase next year as a result of a claim. Your price may still alter if a claim invalidates any fixed price offer on your policy.
You must be 21 or over with 3 or more years NCD and have had no more than 1 claim in the last year to protect your NCD.
If you don't protect your NCD, any "at fault" claim would step your NCD years back at renewal. Two or more "at fault" claims in one year would result in your NCD being stepped back to nil at renewal.
If you're a new customer, for further information please see our summary of cover.
If you're an existing customer, for further information please refer to the documents section of MyAviva on the policy you wish to view.
If you're an existing customer you can only add NCD protection cover at renewal. To add it, please contact us.
Your no claim discount (NCD) will be valid for 2 years after the expiration of your last policy, provided it is not being used on another policy.
We may ask you for proof of your no claim discount (NCD) during your period of insurance.
This can be your renewal invitation or a letter from your previous insurer and should:
If we have requested proof of your NCD you can e-mail a scanned or photographed copy to us at NCDVALD@aviva.com
If your policy is due for renewal, the renewal schedule or letter should count as evidence of your no claim discount (NCD) for your next insurer.
If you cancel at any other point and have been insured with us for more than a year, we’ll automatically include proof of NCD with your cancellation letter. If you would prefer this via email, please request this at the time of cancelling.
If you’ve been with us for less than a year we’ll send you a separate letter to confirm how long you have been claim free for.
If you have already cancelled your policy and no longer have your documents, please contact us.
This refund relates to an issue with your 2022 and/or 2023 renewal price, where the price we charged did not take into account the full amount of NCD you declared to us. The refund reflects the difference between the price you were charged and the price you should have been charged.
Most of our policies automatically qualify for personal business use as standard at no extra cost. This applies for the main driver of that vehicle and their spouse/domestic partner.
Unfortunately, we cannot cover business use for chauffeurs, taxi drivers, driving instructors or parcel/takeaway/fast food delivery drivers if they are using the insured vehicle in connection with their occupation.
Please see below a list of the different options and what each of these covers:
If you need to add Employer’s business use, or check what is covered please contact us.
Aviva have a network of approved repairers who guarantee any work done on your vehicle for three years, or as long as you insure your vehicle with us, whichever is greater.
If you decide to use a repairer that is not approved by Aviva an additional excess of £200 will apply in addition to any other excesses under your policy.
Aviva will need to visit the repairer to inspect and authorise the repair. No courtesy car will be provided by Aviva and the quality of repair can not be guaranteed.
Please note if you have an AvivaPlus policy the choice of repairer excess is an additional £350 on the Basic tier, £200 on the Regular tier and for the Premium tier there is no additional excess to pay. All choice of repairer excesses are in addition to any other excesses under your policy.
Aviva Car Insurance and Van Insurance
We can offer third party fire and theft cover if the vehicle meets certain conditions and additional drivers are aged 25 or over. If you don’t see the option for third party fire and theft, only comprehensive cover is available for your vehicle.
AvivaPlus Car Insurance
AvivaPlus doesn't offer third party fire and theft cover
You may be able to get this type of cover with our other Aviva Car Insurance.
Drivers aged 17-20 would pay an additional £300 on top of their standard excess in the event of an accidental damage claim. Any drivers aged 21-24 would pay an extra £200.
Young driver excesses do not apply for fire or theft claims.
If you have comprehensive cover you can get chips fixed by paying just a £10 excess.
To arrange getting your windscreen fixed please call us on 0345 030 6925.
For AvivaPlus Premium tier there is no excess for windscreen repairs.
With a comprehensive policy we will pay for loss of or damage to personal belongings caused by fire, theft or accidental means while the personal belongings are in or on your vehicle.
For cover limits, exclusions and further information please refer to the documents section of MyAviva on the policy you wish to view.
There is no personal belongings cover provided under a Third Party, Fire & Theft policy.
For AvivaPlus personal belongings cover is covered up to £150 for the Regular tier and up to £2000 for the Premium tier, there is no cover for personal belongings under the basic tier.
Motor Legal provides cover following a motor accident or incident where you are not to blame.
It provides up to £100,000 to pay lawyers’ costs to help you to claim financial losses (such as your excess and travel expenses) or compensation for personal injury from the person who is responsible.
The lawyer will discuss your claim with you and must believe that it’s more likely than not that you’ll succeed in a claim for those losses.
The cover also provides up to £10,000 to pay lawyers’ costs to help defend your legal rights if you’re accused or have committed an offence under the road traffic laws (eg a speeding fine).
There’s also a 24 hour legal advice helpline providing confidential legal advice on any legal matter relating to the use of your vehicle, eg a private vehicle sale.
If you're a new customer you can add Motor Legal to your quote in the "Your quote" page.
If you have an existing policy you can add Motor Legal using MyAviva. Once logged in click on the policy you want to view, click "Amend Options" and then tick the box next to Motor Legal.
Yes, if valid to be used in the UK. Please see below details.
EU and EEA (European economic area) licences are acceptable in the UK and do not need to be exchanged to a UK licence.
Licences from these countries can be exchanged for a full UK licence at any time. If you have not exchanged your licence within 12 months you must stop driving until the licence has been exchanged. This must be done within 5 years of arrival in the UK.
European Union (EU) and European Economic Area (EEA)
Austria, Belgium, Bulgaria, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Republic of Cyprus (South), Republic of Ireland, Romania, San Marino, Slovakia, Slovenia, Spain, Sweden.
Others
Andorra, Australia, Barbados, British Virgin Islands, Canada, Gibraltar, Falkland Islands, Faroe Islands, Hong Kong, Japan, Monaco, New Zealand, Republic of Korea (South), Singapore, South Africa, Switzerland, United States of America, Zimbabwe .
Drivers from all other countries will be able to drive in the UK for up to 12 months but a provisional GB licence must be obtained and a driving test(s) passed before the 12 month period elapses. If this has not been exchanged within the 12 month period, drivers would need to apply for a UK licence including taking a test.
We need to know the type of licence you currently hold and how long you have held your licence for, including any years as a provisional licence holder.
If you have held your licence for more than 9 years we will record this as '9 or more years'.
If you have given us your driving licence number, we may use this to look up your driving licence history (you can view this data on the DVLA’s website: https://www.gov.uk/view-driving-licence).
We don't accept all imported vehicles but can insure a range of parallel and grey imports if they meet our acceptance criteria.
Or, if you've got a question, contact us.
The term "at fault claim" means any claim where the costs (including any excess you paid) could not be recovered in full from another driver or person involved in the incident.
Any theft, malicious damage or fire claims are always treated as "at fault" for this reason, even though you may not be personally to blame for the incident.
Aviva Car Insurance and Van Insurance
Comprehensive cover protects your vehicle against accidental damage claims while third party fire and theft doesn't.
If you're a new customer, find out more about what our Aviva Car Insurance covers or what our Van Insurance covers.
If you're already with us, you can find all the documents relating to your cover in the documents section of MyAviva.
AvivaPlus Car Insurance
Comprehensive cover protects your vehicle against accidental damage claims while third party fire and theft doesn't.
AvivaPlus only offers comprehensive cover. It is no longer available to new customers.
If you're already with us, you can find all the documents relating to your cover in the documents section of MyAviva.
If you're a new customer you can add a courtesy vehicle to your quote in the "Select cover options" section on the "Your quote" page.
If you have an existing policy you can add a courtesy vehicle using MyAviva. Once logged in follow the below steps:
You can get a car or van insurance quote for drivers 17 to 84 years old.
We can't offer new policies to drivers aged 85 and over.
If you're a new customer you can add Foreign Use cover to your comprehensive quote in the "Select cover options" section on the "Your quote" page
If you have an existing comprehensive policy you can add Foreign Use cover in MyAviva. Once logged in follow the below steps:
Click on the policy you want to view > click the "Amend Options" button > choose the "Foreign use" option
If you are a new customer, for exclusions and further information please see our summary of cover. If you're an existing customer, for exclusions and further information please refer to the documents section of MyAviva on the policy you wish to view.
Anyone that drives your vehicle should be named on the policy.
You can add a driver using MyAviva. Once logged follow the below steps:
If you want to make a temporary change or need further assistance please contact us .
If your ignition keys are lost or stolen (and you have comprehensive cover) we will pay the cost of replacing:
If you're an existing customer, for cover limits, exclusions and further information please refer to the documents section of MyAviva on the policy you wish to view,
The principal policyholder is the person who entered into the contract of insurance on behalf of themselves, each vehicle policyholder and each named driver. They’re the person who took out the policy and they can then choose who is a vehicle policyholder and who is a named driver.
The vehicle policyholder is nominated by the principal policyholder as being the person who drives the vehicle most often and earns the no claim discount.
Named drivers are additional drivers nominated by the principal policyholder who are entitled to drive the vehicle under the policy.
Yes, visit our car insurance page to find out more information and get a quote.
For further information about our motor policy please see our summary of cover.
Some personalised plates, non-UK registrations or brand new cars may not be available online.
We will be able to give you a quote online without the registration number but to complete the transaction please contact us.
We can give you a quote for vehicle(s) with different renewal dates which you can then add to your Multi Car policy when your current cover runs out.
Once covered under our Multi Car policy we will align them into a single renewal date.
We can provide cover for two vehicles on a Multi Car policy with up to five drivers on each vehicle online, visit here for more information and to get a quote.
We will cover up to five vehicles in total so please contact us for a quote.
You do not have to be the registered keeper of all vehicles, but the vehicles need to be (or will be) owned and registered by either: you, your spouse/civil/domestic partner, a close relative residing at the same address, your company or is the subject of a private or personal leasing contract.
You must be recorded on the policy either as a main driver or a named driver on all the vehicles you wish to drive.
To change your vehicle registration number, please contact us.
We class a modification as a change to the original manufacturer specification, as described in the manufacturer brochure/catalogue, after purchase from new.
Please contact us to discuss if you are unsure if your vehicle has been modified.
You'll be told about any excess that applies to your temporary vehicle before you add it to your cover. It will also be shown in the documents confirming the change.
The main driver (or vehicle policyholder) is the person who drives the vehicle most often and earns no claims discount.
They do not need to be the principle policyholder but they must live at the same address as them.
We cannot cover any driver that has had their licence suspended or revoked by the DVLA due to a medical condition.
If the illness is one the DVLA needs to be made aware of and you have done this, if a licence has been granted, you should be able to get a quote online.
If you have a medical condition which you have advised the DVLA of, we will most likely be able to cover you. If you’d like to discuss it with us, please contact us.
If you have moved already you may be able to change your address by logging into MyAviva if you hold:
Please note if you are approaching your renewal you will not be able to make an amendment to your policy online so please contact us.
To make a temporary change to your Aviva Car Insurance or Van Insurance policy, contact us.
You're automatically covered against third party liability while a trailer is attached to your car. We won’t charge an extra premium and you don’t need to tell us that you’re towing a trailer.
The term ’trailer‘ means any trailer, caravan or car being towed behind the vehicle policyholder’s car.
From 16 December 2021, towing limits for trailers may have changed for people with driving licences that were issued after 1 January 1997. If you tow trailers or will do in the future, and are unsure if any changes apply to you, you can find out more at Driving licence categories - GOV.UK (www.gov.uk)
Third party liability cover means we'll cover any compensation you have to pay if you're in an accident where you injure someone or damage their property.
However, it won't provide cover for loss or damage to the trailer itself.
Caravans are normally covered as part of a specialist stand-alone policy or added to a home insurance policy as an optional add-on.
The 'social, domestic and pleasure including commuting' option covers driving to one permanent place of work and back.
If your vehicle's alloy wheels were fitted by the manufacturer, they'll be covered and you don't need to tell us about them on your insurance policy.
If the alloy wheels were not fitted by the manufacturer, but were fitted later, you must tell us about them on your insurance policy. They'll be covered if they meet our acceptance criteria.
To make a temporary change to your cover, contact us.
We do offer temporary car insurance for between 1 and 28 days.
To view, print or download your documents, log in to MyAviva.
Once logged in, choose the policy you want to view and select 'Documents'. You can then view your motor certificate and all other related documents.
Yes. If you have motor insurance with us, and your vehicle is normally kept in Great Britain, Northern Ireland, the Channel Islands or Isle of Man, you’re covered to drive in:
EU Countries: Austria, Belgium, Bulgaria, Croatia, Republic of Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain and Sweden
EEA countries not in the EU: Iceland, Liechtenstein, and Norway
Other countries: Andorra, Serbia, Switzerland, Bosnia & Herzegovina
British Overseas Territory: Gibraltar
Your insurance policy will give you the minimum cover you need to drive your insured vehicle in most European countries, which is third party only cover. This covers your legal liability to others – for example, if you injure someone in a motor accident or damage their property. However, it won’t cover you for loss of, or damage to, your own vehicle. For this kind of cover, you need to have our Foreign Use optional add-on cover.
Foreign Use is included as standard with an Aviva Online, Aviva Premium, or AvivaPlus Premium policy. Or if you have Comprehensive cover with one of our other Motor Insurance products, you can add Foreign Use for an additional price. Foreign Use gives you a similar level of cover to what you have in the UK, when driving in the countries listed in your policy booklet. Cover is valid for up to 90 days for one trip and up to 180 days during the year.
To add Foreign Use onto your policy:
Or if you’re a new customer, simply add Foreign Use to your policy when you get a quote.
Foreign Use isn’t available with an AvivaPlus Basic policy.
Please note: Driving Other Cars (DOC) cover, courtesy vehicles, UK breakdown cover (Rescue Cover) and Motor Legal Services only operate within Great Britain, Northern Ireland, the Channel Islands and the Isle of Man. Adding Foreign Use will not extend these covers outside the UK.
For exclusions and further information, see the documents section in MyAviva for the policy you want to view.
If you plan to travel with your own car to a country not listed in your policy booklet, please contact us first.
If you have comprehensive insurance, you're covered with third party only insurance if you need to drive someone else's car. Third party only is the minimum cover you need to drive legally in the UK. We'd pay compensation to someone you injure or for damage you cause to other people’s vehicles or property in an accident – but wouldn't cover you for loss of, or damage to, the vehicle you were driving.
This cover is for the vehicle policyholder only, not named drivers. If you’re the principal policyholder but aren’t the vehicle policyholder you also won’t be covered. Normally the principal policyholder and the vehicle policyholder are the same person, but sometimes a principal policyholder takes out insurance for someone else, who becomes the vehicle policyholder. In that instance the principal policyholder wouldn’t get Driving Other Cars cover, only the vehicle policyholder. Driving Other Cars cover is also not available on policies in the name of a business.
The driver must be 25 or older when your motor policy with us started or renewed. You don't need to tell us that you'll be driving the other car, but you must have the car owner's consent.
If you have any questions, please contact us before you drive the other car.
For cover limits, exclusions and further information please refer to the documents section for the policy you wish to view in MyAviva . Your certificate of motor insurance will also confirm if you have this cover.
We use a range of suppliers for windscreen claims.
To book a repair or replacement for your windscreen with our approved windscreen repairers, visit here.
Alternatively, you can call our claim specialists on 0345 030 6925. Lines are open 24 hours, 7 days a week.
If you have our Aviva Motor Insurance, including Van
You will not be covered if you have our Third Party, Fire and Theft cover. If you have Comprehensive cover, windscreen replacements are subject to a £115 excess, repairs to chips are subject to a £10 excess.
When using a non-approved glass repairer, there is a limit of £185.
If you have AvivaPlus car insurance
With Basic cover, you are not covered for glass repair or replacement.
Regular cover excesses are £115 for replacement and £10 for repair.
For Premium cover, there is no excess to pay and there is no limit for glass replacement.
It's quick and easy to add or remove drivers online using MyAviva. If you're adding a driver, we'll need to know the drivers details including information about any claims or motoring convictions before we can give you a quote.
Once logged into MyAviva simply follow the below steps:
Temporary changes and Renewals
If you want to make a temporary change or are approaching renewal you will not be able to amend your policy online so please contact us before you drive the other car.
It's quick and easy to change your vehicle online using MyAviva if you have an Aviva Motor or Van policy.
We'll need to know details about the vehicle including the registration number before we can give you a quote to change your vehicle. There may be a change in what you pay, depending upon the details of the new vehicle.
Once logged into MyAviva simply follow the below steps:
If you are trying to change your vehicle on a Multi Car policy, please contact us.
Changing your car during your policy
You don’t need to tell us the time you are changing your vehicle, as your old vehicle will be covered on the day until you start driving your new vehicle. The cover stops on the old vehicle when you start driving your new one.
Changes at renewals
If you are approaching your renewal you will not be able to change your policy online so please contact us.
The quickest and easiest way to send us proof of your no claim discount is using MyAviva.
Simply login to MyAviva (or register if you haven't already) then:
Make sure the image is nice and clear as we need to be able to check all the information outlined.
We accept these formats: PDF, JPG, BMP, PNG or TIFF and files must be no larger than 5MB.
Unfortunately, you can only use one set of no claim discount on one vehicle at any time. To earn multiple sets of no claim discount you need to insure multiple vehicles at the same time.
Please upload the proof you have for you vehicle(s) in MyAviva. We will review the proof you upload and be in contact if we require any additional information.
If this is the first time you've insured multiple vehicles we may be able to offer an introductory discount dependant on your driving history. We handle these circumstances individually. Please contact us to discuss this in more detail.
Your proof of no claim discount is provided on the renewal invitation from your previous insurer, or by a proof of no claim discount letter. If you can't find this please ask your previous insurer to resend it to you.
We'll send you an email within 5 working days confirming whether your proof of no claim discount meets our criteria.
If we need more information we'll email you.
As long as the doctor has given you the all clear and you feel OK to drive, then it's absolutely fine. You don't need to provide proof and we don't need to note anything on your policy, unless it's a medical condition that you've notified the DVLA about.
As long as the doctor has given you the all clear and you feel OK to drive, then it's absolutely fine. You don't need to provide proof and we don't need to note anything on your policy (including caesarean's). You only need to notify us of any medical condition that you've notified the DVLA about.
Yes. Please see below for more information.
If we know that your vehicle is still being paid for under a hire purchase or leasing agreement, we will pay any claim to the owner described in that agreement.
If you or your spouse/domestic partner have a vehicle on personal lease, please record the owner described in the lease agreement as the owner and registered keeper of the vehicle (as documented on the V5 form).
If you or your spouse/domestic partner have a vehicle which is leased to a firm or company, please insure your vehicle in the name of the firm/company concerned. Visit our business vehicle and van insurance page to find out more and get a quote.
Aviva Online and Aviva Premium are online only insurance policies. You can only manage these policies through MyAviva.
We’ll pass on the savings from the Civil Liability Act 2018, also known as the ‘Whiplash Reform’, to our customers.
The Civil Liability Act 2018 changes how low-value personal injury claims, such as whiplash, are dealt with and valued. The aim is to cut the number and cost of minor whiplash claims and reduce fraud.
We’ve campaigned for personal injury reform since 2012, highlighting that the number of whiplash claims continued to increase even as cars became safer and the number of road traffic accidents fell.
Now the long-awaited whiplash reforms have been introduced on 31 May 2021.
This is significant news for customers, especially young drivers, because it will help make motor insurance more affordable by reducing pressure on premiums.
It’s also expected to help reduce the number of nuisance calls asking if you’ve been injured in a car accident. And it will help make roads safer by removing the financial incentive for crash for cash fraudsters.
If you're an AvivaPlus customer, when you bought your policy it may have included a Renewal Price Guarantee, which meant the renewal price would be matched to the price we'd offer if you were a new customer.
Instead of the Renewal Price Guarantee, we're pleased that new industry rules, which came into force on 1 January 2022, will ensure that all home and car insurance customers' renewal prices will be the same as or lower than the equivalent price for a new customer, in a similar way to our AvivaPlus Renewal Price Guarantee.
As of 16 December 2021 you will no longer be able to purchase AvivaPlus cover.
If you have an Aviva or AvivaPlus car insurance policy, you can get in touch with us using a qualified BSL interpreter for free as part of our partnership with online video interpreting service SignLive. At the moment, you can only contact us using this service if you need to talk about a claim or have a customer service query and if your policy number starts with letters, such as MMV or MHO. This excludes Aviva Online and Aviva Premium policies. Find out more about how to use the SignLive service.
We’re hoping to extend our SignLive partnership to all our customers and for all queries soon. But in the meantime, if you don’t meet the criteria to use SignLive, there are other ways to contact us, including using one of our online forms or LiveChat. You may also be able to sort your query yourself or do what you need to do by logging in to MyAviva. For all the ways to get in touch with us, see our contact us page.
Find the answers to some of the most frequently asked questions on car, home, health, life and travel insurance cover, pensions, investments and Brexit.