Motor insurance

What's this?

We'll cover you to drive other people's vehicles as long as you have their permission. This cover is for the policyholder (not named drivers) who must be 25 or older when the policy starts or renews.​​

The policyholder has Third Party Only cover automatically which 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 vehicles and property in an incident which was your fault. Damage to the vehicle you're driving is not covered under Third Party Only cover.​​​

For exclusions and more information, please see the policy booklet.

We'll cover personal belongings that are lost, damaged or stolen as a result of an accident, fire or theft.​

This limit may vary depending on when you purchased your policy. Please check your schedule for your personal belongings cover limit.​

There is no cover for any goods or samples carried in connection with any trade.​

For further exclusions and more information, please see the policy booklet.

A courtesy vehicle is provided subject to availability to reduce your inconvenience and where possible ensure you remain mobile. It is not intended to be an exact replacement for your vehicle. All courtesy vehicles have Comprehensive cover under your policy for the period the courtesy vehicle is provided.

• A courtesy vehicle will only be provided when your claim has been accepted and your vehicle is repairable, and is being repaired by our approved repairer network.
• If your vehicle is immobile or unroadworthy we aim to provide a courtesy vehicle within one working day (however if an incident occurs during a weekend or on a bank/public holiday, it may not be possible to provide a courtesy vehicle until the following normal working day).
• Automatic courtesy vehicles can be supplied, providing the vehicle being repaired is an automatic.

What type of courtesy vehicle will I receive?

• Car/Van owners with Aviva Online standard cover will receive a small three-door hatchback car with four seats.
• Car/Van owners with Aviva Premium cover will receive a five-door car with five seats.
• Van owners with optional courtesy van cover will receive a three-seater panel van with a gross vehicle weight of 3.5 tonnes.

We do not provide a courtesy car outside Great Britain, Northern Ireland, the Channel Islands and the Isle of Man. However, you can buy our Breakdown cover with European Motoring Assistance option which provides cover if there is an accident, breakdown or theft abroad.

For more information, please see the policy booklet.

A hire vehicle is provided subject to availability to reduce your inconvenience and where possible ensure you remain mobile. It is not intended to be an exact replacement for your vehicle. All hire vehicles have Comprehensive cover under your policy for the period the hire vehicle is provided.

• A hire vehicle will be provided to the policyholder if your vehicle has been stolen or has been damaged and is not repairable. Hire vehicles are subject to availability and the terms and conditions of the vehicle provider and are provided for a minimum of five days and a maximum of up to 21 days, or until your settlement has been agreed (whichever is earlier).
• If your vehicle is immobile or unroadworthy we aim to provide a hire vehicle within one working day (however if an incident occurs during a weekend or on a bank/public holiday, it may not be possible to provide a hire vehicle until the following normal working day).
• Automatic hire vehicles can be supplied, providing the vehicle being repaired is an automatic.

What type of hire vehicle will I receive?

• Car/Van owners with Aviva Online standard cover will not receive a hire vehicle.
• Car/Van owners with Aviva Online and optional hire car cover will receive a small three-door hatchback car with four seats.
• Car/Van owners with Aviva Premium cover will receive a five-door car with five seats.
• Van owners with optional hire van cover will receive a three-seater panel van with a gross vehicle of 3.5 tonnes.

We do not provide a hire vehicle outside Great Britain, Northern Ireland, the Channel Islands and the Isle of Man. However, you can buy our Breakdown cover with European Motoring Assistance option which provides cover if there is an accident, breakdown or theft abroad.

For more information, please see the policy booklet.

Expert legal support when you need it most:

• If you or any named drivers are involved in a motor accident which is not your/their fault, we will cover up to £100,000 legal costs for a lawyer to pursue compensation from the driver who is to blame (e.g. 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 or any named drivers if you're being prosecuted for a motoring offence (e.g. speeding).
• 24 hour UK legal helpline - confidential legal advice on motoring issues (e.g. private vehicle sale).

*The lawyer will discuss your case with you and represent you if they believe that it is more likely than not that your claim will be successful.

For more information, please see the policy booklet.

This cover provides financial protection in the event that an excess has to be paid to a Rental car company due to an incident resulting in loss or damage to the rental vehicle during the period of insurance. Cover is available on Aviva Premium only, up to £1500.

For more information, please see the policy booklet.

If you have a damaged window or windscreen, we’ll repair it (£25 excess) or replace it (£125 excess) and if you use one of our approved repairers the most we will pay will be the market value of your vehicle at the time of the loss. If you use one of your own repairers the claim will be limited to £50.​

If you have damaged glass that forms part of your vehicle’s roof (including sunroofs and panoramic roofs), your vehicle excess will be payable.​

We'll refund your excess if you're in an accident with an uninsured driver, that wasn't your fault. You'll need to provide us with details of the other vehicle and driver.​

If your ignition keys are lost or stolen, we'll pay the cost of replacing the affected locks, lock transmitter and central locking interface and affected parts of the alarm and/or immobiliser.​​

We will replace your vehicle with a new one of the same make model and specification if your vehicle is damaged beyond economical repair or stolen and not recovered and you bought your vehicle from new within the past 12 months. If your vehicle was sold as ex-demonstrator or nearly new, the cover does not extend to it and the most we will pay is the market value of your vehicle.​​

We provide comprehensive cover when you travel abroad to any of the following European countries if your trip's less than 90 days:​

Andorra, Austria, Belgium, Bosnia and Herzegovina, Bulgaria, Croatia, Cyprus, the Czech Republic, Denmark, Estonia, Finland, France (including Monaco), Germany, Gibraltar, Greece, Hungary, Iceland, Italy (including San Marino and the Vatican City), Latvia, Lithuania, Luxembourg, Malta, Montenegro, the Netherlands, Norway, Poland, Portugal, Republic of Ireland, Romania, Serbia, Slovakia, Slovenia, Spain, Sweden and Switzerland (including Liechtenstein).​

This cover is included as standard and provides £2,500 for you, your partner and named drivers for serious injury or death following a motor accident.​

We'll repair your vehicle at the roadside, as long as you’re over a quarter of a mile away from home.