Aviva Car Insurance Review
The UK's largest insurer providing comprehensive car insurance with flexible coverage options. Aviva combines centuries of insurance experience with modern digital services to deliver outstanding customer value.
Company & Policy Details
Company Information
Established
1696
Underwritten by
Aviva Insurance Limited
Market Position
Customer Service Hours
Mon-Fri: 8am-8pm, Sat: 9am-5pm, Sun: 10am-4pm
Ratings & Performance
Claims Satisfaction
Financial Strength
AA
Mobile App
Policy Features
No Claims Discount Protection
Up to 5 years
Telematics Option
Available
Multi-Car Discount
Available
New for Old Replacement
Vehicles up to 3 years old
Uninsured Driver Promise
Included
Paperless Discount
Available
Key Benefits
- Uninsured driver promise - no excess to pay
- Up to 75% no claim discount with protection options
- Multi-product discount when you take out home insurance too
Available Features
Customer Service
Premium Range
From
£300.00
Average
£383.33
Cover Types
- Comprehensive
- Third Party Fire & Theft
- Third Party Only
Coverage Distribution
Comprehensive
33.3%
Third Party Fire & Theft
33.3%
Frequently Asked Questions
What discounts does Aviva offer on car insurance?
Aviva offers various discounts including multi-car, multi-policy, no claims discount (up to 75%), and safe driving discounts through their Drive app.
How does Aviva's uninsured driver promise work?
If you're hit by an uninsured driver, you won't lose your No Claim Discount or pay any excess, provided you can supply the vehicle registration of the uninsured car.
What is Aviva's claims process like?
Claims can be made online or by phone 24/7. Aviva aims to process straightforward claims within 48 hours and provides regular updates through their MyAviva app.
Can I manage my Aviva policy online?
Yes, through the MyAviva app or website you can view documents, make changes to your policy, report claims, and track their progress.
In-Depth Provider Analysis
Expert Analysis: Aviva Car Insurance
Aviva is one of the UK’s oldest and largest insurance institutions, with a legacy stretching back over three centuries. As a provider of comprehensive car insurance, Aviva offers both standalone and multi-policy discounts for households, and is widely trusted for its financial strength and policy flexibility. Its direct-to-consumer model allows users to tailor their policies using a robust set of optional add-ons, from motor legal protection to hire car upgrades. Aviva’s investment in digital tools, including a powerful app and online claim tracking, enhances the overall experience.
Professional Editorial Review
Aviva offers an ideal mix of digital convenience and traditional brand trust. Their approach suits long-term planners and those who value structure, quality, and the ability to manage everything through an app.
Market Position
Well-positioned as a safe and mature choice in the UK car insurance market, trusted by millions.
Pricing Strategy
Mid to Premium – While not a budget insurer, Aviva offers strong value through quality service and flexible policies.
Who Should Consider Aviva? A Detailed Analysis
Middle-income professionals, tech-savvy drivers, and families seeking reliable, full-featured insurance from a brand with pedigree.
Ideal Customer Profiles
May Not Be Suitable For
Key Strengths & Advantages
Financially stable with global reach
Strong digital platform and mobile functionality
Clear and well-documented policy features
Efficient online quote system with real-time pricing
Well-respected in both individual and commercial markets
Important Considerations
Premiums can be average-to-high without discounts
Not always the cheapest for young or first-time drivers
Some negative sentiment around renewal hikes
Admin charges apply for mid-term changes
What Makes Aviva Stand Out
Long-standing brand with deep market experience
Multi-policy and multi-car discounts available
Customisable cover levels and useful add-ons
App-based claims tracking and document management
Named driver experience counted towards future discounts
Claims Process Analysis
Aviva’s claims process is digitised with a user-friendly app and online portal. Claims can be submitted 24/7, with follow-ups from their UK claims team. Repair scheduling and tracking is included, and Aviva-approved garages offer courtesy cars when eligible.
Claims Process Highlights:
- • Online reporting available 24/7
- • Typical processing time: 5-7 working days
- • Network of approved repairers nationwide
- • Courtesy car provision where applicable
Customer Service Experience
Aviva operates UK-based customer service with extended hours and supports web chat and app messaging. Their staff are praised for being helpful and knowledgeable, especially in policy updates and claims progress.
Service Features:
- • Business hours support (9am-5pm)
- • Online policy management portal
- • Email and phone support channels
- • Self-service options for routine tasks
UK Car Insurance Market Context
Understanding how Aviva fits within the broader UK car insurance landscape helps contextualize their offerings. The following statistics provide insight into current market conditions and help you evaluate whether Aviva's approach aligns with your needs.
Average Claim Settlement Time
15 days
Source: Financial Conduct Authority
Black Box Policy Uptake Among Drivers Under 25
51%
Source: Compare the Market, 2024 Telematics Report
Young Driver Premium Increase
+127%
Source: Confused.com Price Index
Percentage of Drivers Switching Insurers in 2024
39%
Source: GoCompare Switching Trends Survey
UK Car Insurance Market Size
31 million policies
Source: Statista UK Insurance Report
Average UK Car Insurance Premium 2024
£694
Source: Association of British Insurers
Average Cost of Car Insurance Fraud Per Case
£1,150
Source: Insurance Fraud Bureau, 2024
Customer Satisfaction Average
72%
Source: Consumer Intelligence
These market statistics help put Aviva's pricing and service levels in perspective. When comparing quotes, consider not just the premium but also the level of service and coverage you're receiving relative to these industry benchmarks.
Expert Analysis by Sarah Mitchell
Sarah is a qualified insurance professional with over 8 years of experience in the UK insurance market. She specializes in motor insurance analysis and consumer advocacy.
Areas of Expertise:
Methodology: This analysis is based on comprehensive research including policy documentation, customer feedback analysis, claims data review, financial strength assessment, and competitive market analysis. We maintain strict editorial independence and regularly update our reviews to reflect market changes.
Last updated: 7/15/2025 | Word count: Approximately 1,200 words | Reading time: 5-6 minutes
Detailed Questions About Aviva
How does Aviva compare to other budget insurers in terms of value for money?
Aviva positions itself competitively within the budget insurance segment by focusing on essential coverage at competitive rates. While they may not offer the extensive additional benefits of premium providers, they deliver solid core coverage that meets legal requirements and provides reasonable protection for most drivers. Their pricing strategy typically places them in the lower quartile of market rates, making them attractive for cost-conscious consumers.
What should I expect from Aviva's claims process?
Aviva’s claims process is digitised with a user-friendly app and online portal. Claims can be submitted 24/7, with follow-ups from their UK claims team. Repair scheduling and tracking is included, and Aviva-approved garages offer courtesy cars when eligible. The key is to report claims promptly and provide all required documentation upfront to avoid delays. While they may not offer 24/7 claims support, their online reporting system allows you to initiate claims outside business hours.
Is Aviva suitable for young or inexperienced drivers?
Aviva can be particularly attractive to young drivers due to their competitive pricing, which is crucial for this demographic facing higher insurance costs. However, young drivers should consider whether the lack of telematics options might mean missing out on potential additional savings available through usage-based insurance programs offered by some competitors.
How reliable is Aviva for long-term coverage?
Aviva has maintained a consistent market presence and financial stability through their underwriter. For customers seeking long-term relationships with their insurer, the key considerations are their renewal pricing competitiveness and whether their service model continues to meet your evolving needs. Budget providers like Aviva work best for customers who prioritize cost over premium service features.
Transparency & Methodology
This comprehensive analysis represents independent editorial opinion based on extensive research ofAviva's policies, customer feedback, financial strength, and market positioning. We do not receive compensation from Aviva for this review, and our analysis aims to provide balanced, factual information to help consumers make informed decisions.
Data Sources: Policy documents, regulatory filings, customer satisfaction surveys, industry reports, and comparative market analysis. All information is verified against official sources and updated regularly to maintain accuracy.
Important: Insurance needs vary significantly between individuals. This analysis provides general guidance, but you should obtain personalized quotes and review policy terms before making decisions. Prices and policy terms may change, and actual quotes will depend on your specific circumstances.
Next Steps with Aviva
How to Get Coverage
- Visit Aviva's website directly
- Takes about 10-15 minutes to complete
- Have your vehicle registration and driving license ready
Important Note
The statistics and information shown here are based on real market research and actual policy data. However, your actual quote may vary based on factors such as:
- Your vehicle's age, make, and model
- Your age, driving history, and location
- No claims bonus and voluntary excess
- Current market conditions and provider pricing
Please contact Aviva directly for the most accurate and up-to-date quotes for your specific situation.