Car guides

If you have questions, our guide section offers help with everything from policy jargon to how to save money on your car insurance cover.

Car FAQs

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Third party car insurance

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Over 50s car insurance

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Students' car insurance

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Learner drivers' insurance

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Young drivers' insurance

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Summary of cover

The information below gives you details at a glance to help you decide which product is right for you. Just select any feature below to find out more. We want you to be confident that your policy covers everything you need, so please be sure to read the full motor policy booklet before you decide to buy.

What’s covered
Loss, theft of, or damage to your vehicle
New vehicle replacement

Vehicles sold as ‘ex demonstrators’ and ‘nearly new’ do not qualify for replacement under this section.

Audio equipment in your vehicle

Any audio equipment in your vehicle is covered as part of your vehicle’s accessories (see section on loss, theft of, or damage to your vehicle).

Glass in your vehicle’s windscreen, windows or sunroof

We will pay for the replacement or repair of the glass in your vehicle’s windscreen, sunroof or windows if it is lost or damaged or the bodywork of your vehicle suffers scratches arising solely from the breakage of glass. The most we will pay will be the market value of your vehicle at the time of the loss. We may use suitable parts not supplied by the original manufacturer.

Accident transport/vehicle recovery

In providing accident recovery assistance we will use our reasonable care and skill when providing the service. We can, however, cancel services or refuse to provide them if, in our opinion, the demands made are excessive, unreasonable or impractical.

Medical expenses

If any people in your vehicle are injured as a direct result of your vehicle being involved in an accident, we will pay for: The medical expenses arising in connection with that accident. The most we will pay for each injured person is shown in your schedule.

Emergency medical treatment

We will reimburse any person using your vehicle for payments made under the Road Traffic Acts for emergency medical treatment.

Personal belongings kept in your vehicle

We will pay the main policyholder (principal policyholder) or the main drivers of each vehicle (eg vehicle policyholder) (or, at their request, the owner) 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.

Replacement locks for your vehicle

If your ignition keys are lost or stolen we will pay the cost of replacing the:

Affected locks, lock transmitter and central locking interface, affected parts of the alarm and/or immobiliser, provided that it can be established to our reasonable satisfaction that the identity or garaging address of your vehicle is known to any person who is in possession of your ignition keys and the value of the claim does not exceed the market value of your vehicle.

In the event of any claim under this section, the courtesy vehicle and hire vehicle benefits under Section 1 – Loss of or damage to your vehicle, will apply providing your schedule shows courtesy vehicle cover was selected. Your no claim discount will not be affected and no excess is applicable when making a claim under this section.

Named driver discount

Named drivers on our motor insurance policy, who remain claim free can earn a named driver discount that can be used against their own motor policy.

Driving other car benefit

We will insure the main driver (vehicle policyholder) providing:

  • The car does not belong to that person or is not hired to that person under a hire purchase agreement.

  • The main driver (vehicle policyholder) is driving the car with the owner’s express consent.

  • The main driver (vehicle policyholder) still has your vehicle and it has not been damaged beyond cost effective repair.

  • The main driver (vehicle policyholder) is aged 25 or above at inception or renewal of this policy.

  • The Certificate of Motor Insurance indicates that the other main driver can drive such a car.

Child seat cover

If child seat(s) are fitted in your vehicle and your vehicle is involved in an accident or damaged following fire or theft, we will pay an amount as shown in your schedule per child seat towards the cost of a replacement even if there is no apparent damage. A claim can only be made under this section when also making a valid claim which is accepted under Section 1 – Loss of or damage to your vehicle.

Tool cover

For the purposes of this section, tools means;

  • Non powered hand tools for domestic DIY, gardening or vehicle maintenance activities, or

  • Where your vehicle is insured for business use as shown in your schedule, tools of trade reasonably associated with your declared occupation.

Uninsured driver promise

If you’re hit by an uninsured driver and it wasn’t your fault, your no claim discount won’t be lost and we’ll refund any excess you’ve had to pay. You will need to tell us the registration number/make/model of the vehicle that hit you, along with the driver’s details.

Injury to you or your partner

If the vehicle policyholder or their partner suffer accidental bodily injury in direct connection to the vehicle(s) listed in your schedule with comprehensive cover, we will pay an amount as shown in your schedule, if, within three months of the accident, the injury is the sole cause of their: death, irrecoverable loss of sight in one or both eyes or total and permanent loss of hearing in one or both ears, loss of any limb.

Breakdown cover options
Rescue only
Rescue only breakdown cover is available for breakdowns occurring in the United Kingdom. It can be upgraded to more comprehensive cover levels, and provides the following: A Rescue from an RAC patrol, or a contractor to assist you and provide labour at the roadside.
Rescue & Recovery

Rescue & Recovery breakdown cover offers the same service as rescue only cover with the following additional benefits if we cannot get your vehicle repaired locally within a reasonable time:

  • We will transport your vehicle home or deliver it to a single address anywhere in the United Kingdom.

  • We will transport you and up to seven passengers to the above chosen destination. (If there are more than five people this may require two separate vehicles. An adult from the covered vehicle must accompany any children.)

  • The above Recovery service is also available should you be taken ill and be unable to continue your journey if you have no passengers who can legally drive the vehicle.

Rescue, Recovery & At Home

Rescue, Recovery & At Home offers all the benefits of rescue and recovery with the added peace of mind that this cover is available for any incidents that occur at or within a quarter of a mile of your home (or where the vehicle is normally kept). At Home breakdown cover is available within the United Kingdom only.

Rescue, Recovery, At Home & Onward Travel

Rescue, Recovery, At Home & Onward Travel cover is the best package available with Aviva insurance. It provides everything included in the At Home option along with one of the following extra benefits in the event that we cannot get your vehicle repaired locally or that you are unfit to drive:

  • Replacement hire vehicle

  • Alternative transport

  • Hotel accommodation

  • Onward Travel benefits must be requested at the time of breakdown and cannot be arranged later.

  • Onward Travel breakdown cover is available within the United Kingdom only.

Additional cover options
Protected no claim discount

Protected no claim discount guarantees your premium won’t increase next year as a result of a claim.

Motor Legal

Expert legal support when you need it most: If you’re involved in a motor accident which is not your fault, we will cover up to £100,000 legal costs for a lawyer to pursue compensation from the driver who is to blame (eg personal injury, your excess, travel expenses).* We will also pay your legal costs should your claim not be successful. Up to £10,000 legal costs for a lawyer to defend you if you’re being prosecuted for a motoring offence (eg speeding fine). 24 hour UK legal helpline — confidential legal advice on motoring issues (eg private vehicle sale).

Courtesy car – enhanced

Only available with comprehensive cover, you have the option to select an enhanced courtesy car if your vehicle is involved in a claim. We recognise that not all people’s needs are the same, and as a result we’re offering the option of a larger courtesy car. This option is best suited to customers who already have a larger car and use it for situations like the school run, have small children and need room for a pram, or use their car for business which may involve a lot of motorway driving. An enhanced courtesy car is typically a 5 door car with a 1.6 litre engine and room to seat 5 people. If you select the courtesy car option, a replacement car is provided by one of our approved repairers and is available for the duration of any repairs. If your car is stolen or written off, we provide a hire car until an offer is made to settle the claim (up to a maximum of 14 days).

Courtesy car – standard

If you select the courtesy car option, a replacement car is provided by one of our approved repairers and is available for the duration of any repairs. If your car is stolen or written off, we provide a hire car until an offer is made to settle the claim (up to a maximum of 14 days). Designed to keep you mobile during the period of your claim, this option should satisfy the needs of most customers. A standard courtesy car is typically a small, 3 door, 1 litre hatchback model.

Replacement van

If you are unable to use your van following a claim, a replacement vehicle will be provided for your use until your van is recovered, repaired, or written off, up to the maximum period as shown on your schedule. After this period you can continue to rent a replacement van at a preferential rate. Please read the van insurance policy information document for full details and exclusions that apply. You can select replacement van cover for an additional cost on your quote summary page. Please read the van insurance policy information document for full details and exclusions that apply.

Foreign use cover

Your policy will automatically provide the minimum cover required to travel in most European countries: usually the equivalent of UK third party only cover. This can be upgraded for an additional annual premium to give you the same cover as you have in the UK for travel within the following countries, for 6 months in any one period of insurance and no more than 90 days for any one trip.

Physiotherapy cover

If you or any other person in your car is injured as a direct result of your car being involved in an accident, we will pay for treatment from a chartered physiotherapist we have appointed who believes treatment will help your recovery. Physiotherapy will end once you have recovered from your injury or the policy limit has been reached, whichever happens first.

Personal Accident

If the vehicle policyholder or their partner suffers accidental bodily injury in direct connection to the vehicle insured and within three months of the accident, the injury is the sole cause of:Death; or, Irrecoverable loss of sight in one or both eyes or total and permanent loss of hearing in one or both ears; or, Loss of any limb. We will pay out a lump sum of £40,000 for an individual policy and £20,000 per person for a joint policy. This option is not available for companies.

Excesses
Policy excess
Windscreen excess

Not available for this level of cover

Windscreen repair excess

Not available for this level of cover

Non-approved repairer excess

If following a claim your vehicle needs to be repaired and you decide not to use our approved repairer then an additional excess of £200 applies. This excess will apply in addition to any other excesses under your policy. Using your own repairer may also cause delays in your claim and we cannot guarantee quality of repair from your chosen repairer.

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