By clicking a retailer link you consent to third party cookies that track your onward journey. If you make a purchase, Which? will receive an affiliate commission which supports our mission to be the UK's consumer champion.

01 Mar 2024

Aviva car insurance review

Name: Aviva car insurance review
Item: Aviva Car Insurance Policy
Rating: 74
Author: Maha Gadir

Read Which?'s expert review of Aviva car insurance. Find out how we rate its car insurance policies against 27 other providers

Maha GadirMarket analyst

In this article

What does Aviva car insurance offer?
Does Aviva offer the best car insurance?
How good are Aviva's car insurance policies?
How did customers rate Aviva's car insurance?
How can you save money on Aviva car insurance?
Aviva: How can I claim?
Find out how Aviva rates for other products

What does Aviva car insurance offer?

Aviva is one of the five largest UK car insurers and also offers home, travel and life insurance.

Its car insurance brands include Aviva, Quote Me Happy and General Accident, all underwritten by Aviva Insurance Limited.

If you visit its website, Aviva offers one car insurance policy. However, it sells a wider range of options through comparison websites ‒ Aviva Online, Aviva Zero and Aviva Premium.

Find out more: how to find cheap car insurance

Compare car insurance deals

Check Which? insurance ratings and compare deals using the service provided by Confused.com

Get a quote

Does Aviva offer the best car insurance?

Here's how Aviva scored in our latest survey:

68% customer score, placing it 4th out of 27 insurers we had customer scores for
74% policy score on its standard policy ‒ 3rd out of 28 standard policies reviewed, making it a Best Buy
66% claims score, which places it 9th out of 25 insurers compared

See how this compares with the best car insurance.

We review a lot of policies - and our 'Best Buy' badge recognises the individual products that stood out as being the most comprehensive in our analysis. It doesn't reflect customer service. However, we won't give a provider a Best Buy badge where there's evidence - either from our surveys or from Financial Conduct Authority data - of poor service or a poorer-than-average record of paying claims.

Policies named as Best Buys must have a minimum policy score of 65%

Additionally, we look at how consistently good the cover is in policies. To make the cut, a policy needs to have scored at least three out of five points in two thirds of the areas we've rated.

Find out more: how we rate policies.

Lastly, all Best Buy policies must provide - either as standard or as an option - the following levels of cover as a minimum:

'Comprehensive' cover (meaning it covers third party claims, fire, theft and accidental damage to your car), a temporary courtesy car if yours is under repair or if it has been stolen or written off, a repairs guarantee period of at least 3 years, cover for damage to your windows or windscreen, legal expenses cover, liability cover of £20m or more and personal accident cover.

We analyse and rate 78 key elements of car insurance policies to come up with the overall policy score.

Initially, we score all of the product elements out of five, reflecting how competitive each provider is in this area compared with other insurers. We assess how important different policy elements are to drivers when choosing and using a car insurance, and weight different areas of cover accordingly to enhance/reduce their impact in the overall product score.

How good are Aviva's car insurance policies?

Aviva's standard policy was a Best Buy in our policy analysis, with a score of 74%. It was one of the top 10 policies (out of 61 we examined).

Like most policies, cover is provided for personal possessions stolen or damaged in the car. But unlike many policies, Aviva's cover doesn't exclude mobile phones or laptops. The standard policy can also be bought with up to £120,000 personal accident cover. £5,000 comes as standard.

The policy wasn't perfect. While lost and stolen car keys are covered, damaged keys aren't. And if you have an early change of heart about the policy and choose to cancel within the cooling-off period, you'll be charged a fee of £43.

Defence against vehicle cloning

Aviva's policies provide legal expenses cover of £100,000, which pays for legal services to help you pursue compensation if a car accident wasn't your fault. Unlike most policies, Aviva's legal cover is also available for defence costs if you're prosecuted for a motor offence committed by someone who's cloned your licence plates.

Online, Zero and Premium

Aviva offers three policies that are only available through comparison sites: Online, Zero and Premium. These all had lower cover levels than the standard policy. The best-scoring was Aviva Premium, which scored 67% in our analysis ‒ slightly above average.

Its Online policy scored 64% ‒ an average score. Aviva Zero achieved 59%, placing it in the bottom third of our table.

Aviva: key cover areas rated

Aviva car insurance key features

Aviva Standard


Fire excess	£150
Theft excess	£150
Accidental damage excess	£150
Windscreen replacement excess	£115
Is the policy holder's NCD affected if car is hit while parked	No
Windscreen damage - limit per claim	Market value / £185
Window damage - limit per claim	Market value / £185

Tables last updated February 2024. Next update January 2025. We recommend checking policies before buying.

How did customers rate Aviva's car insurance?

We asked Aviva customers who have recently made a claim how they felt about their car insurance.

Aviva scored 68% for customer satisfaction, placing it fourth out of the 27 car insurers we received sufficient responses for in our customer survey.

Customers were also asked to rate their most recent claim. Aviva customers gave it 66% ‒ joint ninth out of the 25 companies we scored.

Here's how customers rated Aviva in various areas of service:

Select a table:

Customer satisfaction


Application process
Clarity of policy
Dealing with queries
Ease of managing your policy online
Fair treatment of longstanding customers	-
Dealing with complaints
Value for money

Tables last updated February 2024. Next update January 2025. A dash '-' indicates we had insufficient sample size (less than 30) to generate a star rating.

How can you save money on Aviva car insurance?

You can't buy Aviva's standard policy through comparison websites, but you can buy Aviva Online, Aviva Premium and Aviva Zero on the following websites:

Compare the Market
Go Compare
Confused
MoneySuperMarket

If you're insuring more than one car, the standard policy offers a 10% discount for every extra vehicle covered on the policy. There's also a 10% discount for the first year you take out the policy if you buy it in conjunction with another Aviva product.

Above information correct as of December 2023.

Check you're getting a great deal and search for a new car insurance policy using the service provided by Confused.com. Get a quote now

Aviva: How can I claim?

If you need to make a claim with Aviva car insurance, call 0345 030 6925.

Find out more: is it worth claiming on your car insurance?

Aviva car insurance review