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Aviva car insurance
Compare Aviva car insurance quotes.
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How good is Aviva car insurance?
Aviva offers car insurance with a 5 star Defaqto rating, reflecting how well it’s rated in the industry.
You can take out standard Aviva car insurance at a fully comprehensive or third-party, fire and theft level of cover, and there are also specialist options for cover include multi-car insurance, cover for electric and hybrid cars, short-term and business car insurance.
Key benefits of Aviva car insurance include their uninsured driver promise, a lifetime guarantee on repairs made at an approved garage, and cover for vehicle recovery and driving other cars.
What is the Defaqto rating for Aviva car insurance?
Defaqto is a leading independent reviewer of financial products. Both Aviva's standard car insurance policy and its higher-tier policies (Car Insurance Gold and Platinum) receive the maximum five-star Defaqto rating for features and benefits.
Aviva Standard Car Insurance
⭐⭐⭐⭐⭐^
Aviva Gold Car Insurance
⭐⭐⭐⭐⭐^
Aviva Platinum Car Insurance
⭐⭐⭐⭐⭐^
What will an Aviva comprehensive car insurance policy cover me for?
If you choose a fully comprehensive Aviva car insurance policy (standard, gold or platinum) the following is included:
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Loss or damage of your car
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Theft of your car
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Injury or damage to others
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Uninsured driver cover
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Driving other cars
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Personal accident benefit
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Windscreen cover
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60 days European cover
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Personal belongings
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Courtesy car
How much do Aviva car insurance policies cost?
These are the average prices of Aviva car insurance policies across a wide array of drivers.
How much you will actually pay yourself will be affected by your age, location, driving history and other factors, so it could differ significantly
Aviva Standard
£385^
Aviva Gold
£336^
Aviva Platinum
£458^
Aviva Zero
£419^
What is included in Aviva Car Insurance Gold and Platinum?
Aviva's Car Insurance Gold and Platinum policies offer extra cover compared to their standard Signature cover, including:
Legal cover
More cover for personal belongings (£300 for Gold, £400 for Platinum)
More cover for completing disrupted journeys (£300 for Gold, £500 for Platinum)
30 extra days of European driving (90 days total)
Aviva Car Insurance Platinum also has built-in breakdown cover. Your car will be repaired at the roadside if you are more than a quarter of a mile from home.
Is Aviva Car Insurance Gold or Platinum worth it?
Upgrading to Aviva Gold or Platinum may be worthwhile if you want more generous cover limits, plan to do a lot of driving in Europe, and like the idea of added conveniences such as better courtesy car (this will be 5 door on Platinum but 3 door on other tiers).
It’s also worth upgrading if you want breakdown cover and the price difference is close to or cheaper than buying this product separately. MoneySuperMarket research shows the average cost of a separate breakdown policy is £27
However, most core benefits are the same across all three levels. If you don’t need the extra features, sticking with Aviva Standard could save you money while still giving you 5-star Defaqto-rated cover.
Is Aviva the best company to insure my car with?
Finding the best car insurance provider for you will depend on your own requirements and circumstances. Here are some pros and cons of Aviva car insurance* to help you decide:
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Pros of Aviva car insurance
Second only to RAC on the Which? claims rating
^ ranking with a score of 80%^ Which? Recommended Provider of the Year for car insurance with a customer score of 81%
^ No charges for updating or changing your policy
Includes an uninsured driver promise which will refund your excess if the accident was the fault of an uninsured driver
Your no-claims discount won't be removed if your car was hit while parked, or damaged by potholes, fire, theft, vandalism or collision with an animal
All policies include £5,000
^ of cover for you and named drivers for serious injury or death following a motor accident
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Cons of Aviva car insurance
Online-only policies with no call centre support unless you're making a claim
If you use a non-approved repairer you will have to pay an extra excess and won't receive a courtesy car
No cover for wear and tear, electrical and mechanical breakdowns, or gradual deterioration
More expensive than some other providers
Cancellation fee of £50 after the cooling off period
How does Aviva car insurance compare to other providers?
These are all standard fully comprehensive car insurance policies. All providers also offer higher-tier options, which will include more features for an extra cost.
Aviva | Churchill Comprehensive | RAC Online | Direct Line Essentials | |
|---|---|---|---|---|
Price | £385^ | £270^ | £313^ | £457^ |
Defaqto rating | ⭐⭐⭐⭐⭐ | ⭐⭐⭐⭐⭐ | ⭐⭐⭐ | ⭐⭐⭐⭐⭐ |
Which? claims rating^ | 80%^ | 71% | 83% | 74% |
Claims payout rate | N/A | N/A | 99% | N/A |
Uninsured driver promise^ included? | Yes | Yes | No | Yes |
Courtesy car included? | Yes | Yes | Yes | Yes |
Administration fees^ | Free online, £18 if calling in | Not specified | £15 | Free |
Further information |
Price data from MoneySuperMarket. Other data from provider website and correct as of April 2026.
Is Aviva a good car insurer for young drivers?
Aviva is a well-established and highly rated insurer, with strong customer scores including an 80%
However, it is not usually the cheapest option for new drivers. Our research shows that on average, the lowest-cost policies for drivers who have held their licence for less than a year were from Carole Nash
Aviva offers the following car insurance policy types that may suit young drivers:
black box (telematics) insurance through its partner QuoteMeHappy
learner driver insurance (1 day-5 months)
temporary car insurance (1 hour-30 days)
How do I contact Aviva?
💡 Top tip: If you bought your Aviva car insurance through MoneySuperMarket, you can see your policy information on our website. Just sign in and click on your dashboard.
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By phone
Aviva, Aviva Gold and Aviva Platinum Car Insurance are online-only policies, unless you're making a car insurance claim.
If you have an Aviva Signature policy, you call Aviva on 0345 030 7077 or 0800 015 4715.
Lines are open from Monday to Friday 8am to 6pm, Saturdays 9am to 3pm and Sundays 10am to 2pm.
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Online Portal
You can access and manage your Aviva car insurance policy online by signing in to MyAviva on the website or by downloading the app.
How do I make a claim with Aviva?
If you need to make a claim on your Aviva car insurance policy, you should contact Aviva as soon as possible after an incident.
You’ll usually need your policy number, details of what happened (date, time, location), information about any other drivers or vehicles involved and photos or evidence.
Aviva claims line:
0345 030 6925
This number is for new car insurance claims only. For existing claims, you can speak to a live chat agent from Monday to Friday, 8am to 6:30pm.
How do I cancel my Aviva car insurance?
🚩 You will not get any money refunded if you have already made a claim on your car insurance
You will need to cancel your car insurance with Aviva directly. You cannot cancel via MoneySuperMarket.
You can cancel your Aviva car insurance online via their website or app.
I’m coming up for renewal
If your car insurance is due to be renewed soon, you can let your insurer know you don’t want to renew your policy at any point until it’s renewed without being charged.
I’ve just taken out a policy
If you cancel your Aviva car insurance within the 14-day cooling off period and before your cover has started, you will receive a full refund.
If you and in the cooling off period but your cover has already started, your refund will be deducted for the time you’ve been covered and a £25 cancellation fee.
After the cooling off period ends you will still be able to cancel, but the fee will rise to £50.
(These are the charges for the Aviva car insurance policies you can buy through price comparison websites like MoneySuperMarket. If you went direct and have Aviva Signature, the cancellation fee will be £38 once cover has started.)
My policy has been auto-renewed
You will be able to cancel your policy within 14 days of it renewing and get a full refund, minus prorated charges for the time you were covered and the usual £25 cancellation fee. After the 14 day cooling off period the fee will increase to £50.
What other insurance does Aviva sell?
Alongside car insurance, Aviva offers a number of other insurance products:
Is it cheaper to buy Aviva car insurance through a price comparison website?
Price comparison websites like MoneySuperMarket can help you find cheaper car insurance from providers such as Aviva compared with going direct. There are several ways we can help you save money:
our Price Promise1 means if you find the same policy cheaper elsewhere (including on a provider’s website), we’ll refund the difference and give you a £20 gift card
our Price Optimiser gives you tailored tips on how to adjust your policy to reduce the price – 83%
^ of customers saved on their car insurance using this toolour SuperSaveClub2 rewards programme gives you added perks, including £15 when you buy a car insurance policy and benefits like a Free Days Out annual pass
We also make it quick and easy to compare Aviva policies alongside other insurers, so you can check you’re getting the best deal and see if the same level of cover is available for less elsewhere.
How do I find my Aviva car insurance policy?
If you bought your Aviva car insurance through MoneySuperMarket, you can find your policy details by logging into your account via the website or app.
If you bought directly, you can access your documents through your Aviva online account.
Will I be charged if I make a change to my Aviva car insurance?
Aviva does not charge an administration fee for making changes to your policy online, such as updating your address or adding a driver. If you make changes over the phone, a fee may apply (typically around £18).
However, your premium may increase or decrease depending on the change made. For example, if you add a less experienced named driver to your policy, you will probably have to pay more for your car insurance to cover the extra risk.
Can I add other drivers to my Aviva car insurance policy?
Yes, you can add named drivers to your Aviva car insurance policy through your online account.
Adding a driver can increase or decrease your premium depending on their age, driving history and risk profile. For example, MoneySuperMarket data shows that adding a driver under 25 can significantly increase premiums by £768.94
Does Aviva car insurance include breakdown cover?
Breakdown cover is not included as standard with standard Aviva car insurance or with Aviva Gold, but it can be added as an optional extra. If you buy an Aviva Platinum policy, breakdown cover is included in the price.
You can also choose to buy breakdown cover separately from another provider if you prefer.
How do I renew my Aviva car insurance policy?
Most Aviva car insurance policies are set to renew automatically at the end of the policy term.
Aviva will contact you before renewal with details of your new premium and any changes to your cover. If you don’t want your policy to renew automatically, you’ll need to opt out before your renewal date.
It’s a good idea to compare car insurance quotes before renewing, as you may find a better deal elsewhere.
What’s the difference between Aviva and QuoteMeHappy car insurance?
QuoteMeHappy is owned by Aviva and is an online-only brand. Policies are typically cheaper because they offer more limited cover and are managed entirely online without any phone-based customer support (except for claims).
While some Aviva policies are now also online-only, Aviva tends to offer broader support options such as live chat for all queries. Aviva car insurance also comes with a wider range of features, higher cover limits, and more available add-ons.
Can I pay my Aviva car insurance in monthly instalments?
Yes, Aviva allows you to pay monthly by Direct Debit - but this is usually more expensive than paying annually, as interest is added to spread the cost over the year.
Who underwrites Aviva car insurance?
Aviva car insurance is underwritten directly by Aviva Insurance Limited, meaning Aviva itself provides the cover and handles claims.
This differs from some brands that act as brokers using a panel of insurers. With Aviva, you deal with a single provider for both your policy and any claims.
What is Aviva?
Aviva is one of the UK’s largest insurance providers, offering a wide range of products including car, home, travel and life insurance.
It insures over 2 million motorists in the UK and has a long-standing reputation in the insurance market.
How does MoneySuperMarket create and review the content on the website?
At MoneySuperMarket, we want to give you clear, accurate and trustworthy information so you can make confident financial decisions for your circumstances.
Every page on our website goes through a careful editorial process before it is published. It’s written or reviewed by one of our experienced experts, checked for accuracy, and updated regularly to reflect the latest information.
We do use AI tools to support our research and drafting, but a human editor is always in the loop to review, fact-check and approve everything before it’s published, so you can trust that what you’re reading is both reliable and up to date.
You can read more in our editorial guidelines.
How does MoneySuperMarket make money?
We get paid by the companies we work with, but the payment we get doesn’t have any bearing on the information we provide. We get paid in different ways, depending on the type of product or service you buy through us. Our goal is to search deals from as wide a range of companies as possible, but we only show results from our partner providers.
Our comparison service is, and will always be, free to use.
Why should I use a price comparison website?
One of the best ways to get the lowest prices and best deals is to compare quotes from different companies. We do the work for you, comparing quotes side-by-side and giving you all the information you need so you can choose the right deal for your needs and your wallet.
We don’t give recommendations or financial advice, but we give you clear information so you can choose financial products that suit your circumstances.
Does MoneySuperMarket work with all the providers on the market?
No, not every company can be included in our service. This is because some companies don’t want their products included on comparison sites, and some decide that they would rather not pay a fee. There are also a few smaller providers who can struggle to cope with the volume of customers that can find their products if they appear on MoneySuperMarket.
Our goal is to search deals from as wide a range of companies as possible so that you can choose the deal that suits you.
Is car insurance eligible for SuperSaveClub and rewards?
Yes, you can earn SuperSaveClub rewards when you buy car insurance through MoneySuperMarket.
This includes:
Up to £15, which you can withdraw as a pre-paid Mastercard or a gift card for brands like Sainsbury's and Amazon.co.uk
Free Days Out pass (worth £180), which gives free entry to a range of UK attractions
Cashback of up to 10% when you spend at brands including eBay, Just Eat and Argos
To earn SuperSaveClub rewards on purchases you must:
Sign up to SuperSaveClub (it's free)
Be signed in to your account when you make the purchase
More information can be found on our SuperSaveClub homepage.
Is car insurance eligible for Price Promise?
Yes, car insurance is included in our Super Save Price Promise.
If you buy through us then find the same deal for less we will:
refund the difference
give you a gift card worth up to £15
Terms and conditions apply. More information can be found on our Price Promise page.
Reviewed on 15 Apr 2026 by
YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from “Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=18,382, Compare the Market n=16,802, Go.Compare n=10,162, Confused.com n=8,229, Uswitch n=528).
Based on car insurance policies sold through MoneySuperMarket between December 2025 and February 2026 where the user requested Breakdown Cover and it wasnt included as standard cover.
You might see a premium policy with a lower average sold price than the basic option. That's not because it’s cheaper overall, but because lower-risk customers are buying it. People whose individual circumstances mean they receive higher premiums often choose the most basic cover to keep costs down, while those offered cheaper premiums are more likely to upgrade to a higher-tier product.
Based on the 10th percentile of comprehensive car insurance policies sold through MoneySuperMarket in the month of February 2026.
83% of users completing the car insurance Price Optimiser journey and actioning its insights on MoneySuperMarket between 12.02.26 and 16.02.26 found a cheaper quote.
Based on Car Insurance enquiries on MoneySuperMarket between 2025-01-01 and 2025-04-01 where the quote was for comprehensive covertype.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in November 2025.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in February 2026.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in February 2026.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in February 2026.
An 'uninsured driver promise' is a car insurance policy feature where you will not have to pay your excess and will not lose your no-claims discount if your car is hit by an uninsured driver and the accident wasn't your fault.
Administration fees are charges insurers apply when you make changes to your car insurance policy. Examples of mid-term policy changes that could incur an administration fee include: changing your address, updating your job title, adding or removing a driver, changing your vehicle.
These fees cover the cost of processing the change, rather than the insurance risk itself. They are separate from any change in your premium. For example, if you update your details, your price may go up or down based on risk, then an admin fee may be added on top.
Based on the average annual price of policies sold through carole nash on MoneySuperMarket between December 2025 and February 2026 and the provider sold with over 200 sales in the period, where only one driver was on the policy who had held a full uk car insurance license for at least 1 year.
Based on the average annual price of policies sold through m&s car insurance on MoneySuperMarket between December 2025 and February 2026 and the provider sold with over 200 sales in the period, where only one driver was on the policy who had held a full uk car insurance license for at least 1 year.
Based on the average annual price of policies sold through churchill on MoneySuperMarket between December 2025 and February 2026 and the provider sold with over 200 sales in the period, where only one driver was on the policy who had held a full uk car insurance license for at least 1 year.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in November 2025.
Defaqto is a leading independent reviewer of financial products. Five stars is for 'An excellent product with a comprehensive range of features and benefits'.
Individual insurance products from Aviva may have different ratings. Data from the Defaqto website. Data from April 2026.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in February 2026.
Defaqto is a leading independent reviewer of financial products. Five stars is for 'An excellent product with a comprehensive range of features and benefits'.
Individual insurance products from Aviva may have different ratings. Data from the Defaqto website. Data from April 2026.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in February 2026.
Defaqto is a leading independent reviewer of financial products. Five stars is for 'An excellent product with a comprehensive range of features and benefits'.
Individual insurance products from Aviva may have different ratings. Data from the Defaqto website. Data from April 2026.
