Compare Aviva Car InsuranceCar Insurance Quotes

Aviva has been insuring UK drivers for over a century, tracing its roots back to Norwich Union's founding in 1797. The company took its current name in 2002, after Norwich Union and CGU merged to form Aviva in 2000. It's now one of the UK's largest insurers, covering more than two million motorists and holding a five-star Defaqto rating alongside Which? Recommended Provider status for its car insurance.

We're partnered with Quotezone.co.uk, as an Introducer Appointed Representative of Seopa Ltd (FCA FRN: 313860). Aviva is part of Quotezone's panel of insurers and is included when you run a car insurance search. Quotezone compares your details against the underwriting criteria set by Aviva, alongside every other insurer on its panel. That means a quote from Aviva isn't guaranteed on every search. It depends on how your profile matches their risk appetite on the day, along with factors like your car, postcode and driving history. Quotezone runs the comparison and includes them in the results alongside other insurers. HowMuch doesn't have a direct commercial relationship with Aviva. We receive a commission if you purchase a policy. We do not provide advice or make recommendations.

Third party, fire and theft

Aviva's minimum level of cover. It pays out if you injure someone or damage their vehicle or property, and it covers theft or fire damage to your own car. It does not cover damage to your own car if you're at fault in an accident.

Aviva Standard

• Loss or damage to your car from theft, accidental damage or fire, based on its market value
• Liability cover for injury or damage you cause to others
• Uninsured driver cover, protecting your no-claims discount and refunding your excess
• Vehicle recovery and onward travel if your car isn't driveable after an accident
• Cover to drive other cars if you're the policyholder, 25 or over, and have the owner's permission
• Windscreen cover, personal belongings cover and a courtesy car while yours is repaired
• £5,000 of motor injury protection for you, your partner or named drivers

Aviva Gold

everything in Standard, plus:

• Legal cover following an accident that wasn't your fault
• Personal belongings cover rises to £300
• Disrupted journey cover rises to £300
• European cover extends to 90 days a year, 30 days more than Standard

Aviva Platinum

everything in Gold, plus:

• Personal belongings cover of £400 and disrupted journey cover of £500
• Breakdown cover built into the policy, including roadside repair if you break down away from home
• A five-door courtesy car, rather than the three-door offered on Standard and Gold

• No Claim Discount protection, keeps years of built-up discount intact even after a claim that was your fault
• Motor legal services, up to £100,000 towards legal costs after an accident that wasn't your fault, covering you, named drivers and passengers
• Courtesy car, a replacement car if yours is damaged, written off or stolen, only available with comprehensive cover
• Motor Injury Protection Plus, increases the standard £5,000 injury cover to £120,000 and adds physiotherapy after a road accident, only available with comprehensive cover
• UK breakdown cover, roadside assistance and recovery, buy alongside your policy or on its own
• Foreign use, extends your cover for driving in Europe beyond the standard third-party-only minimum, for trips of up to 90 days

Aviva suits drivers who want an established, well-rated insurer and are prepared to pay for strong cover limits rather than chase the cheapest quote. The Gold and Platinum tiers make sense for higher-mileage drivers who spend time on European roads or want breakdown cover built into the policy rather than bought separately. Aviva is not usually the cheapest option for new or young drivers, so anyone prioritising price over cover limits should compare quotes before committing.