We aim to provide the best value car insurance in the Republic of Ireland. That’s why we offer great discounts to help you save money along with flexible cover options.
Fast online quotes
Get your quote online for car insurance in just minutes.
Flexible cover options
Choose the cover that suits your driving needs with flexible options.
Protected no-claims discount
Keep your no claims discount safe with optional protection.Footnote [2]
Multi-car discount
Save with Aviva's multicar discount when you insure mulitple vehicles. Footnote [3]
Aviva customers also benefit from a 24/7 breakdown rescue helpline and flexible cover options, so you can feel confident that you’re protected when it matters most.
Benefits and Discounts
Finding the right car insurance cover at the right price is easy with Aviva. Whether you’re a new driver, a family with multiple cars, or simply looking to shop around before your next renewal, getting vehicle insurance with Aviva takes just minutes. Compare policy types, explore optional cover options, and choose the protection that suits your needs.
Protection designed with you in-mind: Aviva Insurance Ireland car insurance policies include a wide range of benefits, discounts and optional cover options to give you the protection you need.
Car insurance benefits
24/7 Breakdown rescue Peace of mind if you get stuck on the road (included as standard)
Legal Expenses Cover Access to a legal advice helpline Footnote [4](included as standard)
Protected No Claims Discount Allows you to make up to two unlimited claims in a three-year period without affecting your No Claims Discount Footnote [5](optional)
Windscreen repair and replacement Covered under Comprehensive policies and can be purchased as an optional cover under Third Party Fire & Theft policies
Car insurance discounts
Buy online – 15% off Simply buy your car insurance online with Aviva and get 15% off Footnote [1]
Claims free - Up to 50% off Up to 50% off your policy if you have 5 years' claims-free driving in your own name.
Relevant driving qualification - Up to 20% off Get 20% off the price of your policy if you hold a relevant 'Advanced Driver' qualification with specified driving associations
No penalty points - Up to 19% off Up to 19% off if you have no penalty points on your driving licence. Footnote [6]
Earn a €40 Tesco gift card
With our Refer a Friend and get rewarded! You can earn a gift card for every friend who takes out a home or car insurance policy.
In Ireland, Aviva car insurance comes with a range of valuable benefits we have in all policies, designed to enhance your cover and protect you on the road. Including 24/7 claims helpline to support you when things go wrong.
Driving other cars (T&Cs’s apply)
Free courtesy car
Cover for lost or damaged car keys & lock transmitters
Cover limits and restrictions apply, check the MotorCare policy booklet for further information.
What's covered by our Comprehensive and Third Party, Fire & Theft cover
Loss or damage to the car by accidental means Covers accidental damage to your own vehicle, regardless of fault.
Loss of or damage to the car by fire, theft and attempted theft Protects against damage or loss caused by fire or if your vehicle is stolen or there’s an attempted theft.
Injury to someone else Covers personal injury claims made by others if you're at fault in an incident.
Damage to someone else's property Protects you against legal claims for damage you cause to other people’s property.
Breakdown rescue cover Provides roadside assistance and breakdown rescue as standard under the policy.
Replacement lock cover Covers costs to replace locks or keys if they are lost or stolen.
Towing charges Includes vehicle towing to a repairer following an insured loss.
Third Party cover to drive other cars Offers third-party liability cover if you drive another person’s vehicle, subject to conditions.
New car replacement If your car is declared a total loss within a specified time, you may be eligible for a replacement new car.
Fire brigade charges Covers the cost of fire brigade attendance at an incident involving your car up to a limit.
Windscreen cover Covers the repair or replacement of a vehicle windscreen or windows, subject to conditions. Optional cover with Third party, fire and theft policies
Optional Protected No Claims Discount (NCD) - fire, theft, windscreen claims Allows you to make claims for fire, theft or windscreen damage without affecting your no claims discount. (Optional cover)
Personal belongings Covers loss or damage to personal items in your vehicle up to a specified financial limit.
Radio/audio equipment Protects portable audio and multimedia equipment not permanently fitted to the vehicle, up to a specified financial limit.
Legal expenses Provides access to legal advice and covers legal costs for matters connected to a motor claim. Full details of the cover provided are available in the Motor Legal Expenses Policy Booklet
What's not covered by Third Party, Fire & Theft
Third party, fire and theft is our minimum level of cover.
Loss or damage to the car by accidental means Covers accidental damage to your own vehicle, regardless of fault.
Windscreen cover Covers the repair or replacement of a vehicle windscreen or windows, subject to conditions. Optional cover with third party, fire and theft policies.
Both of these are covered by our Comprehensive policies.
How to get a car insurance quote in Ireland
Here’s how to get a quote quickly and easily:
STEP 1
Gather your details
You’ll need your driving licence information, vehicle registration, driver number and any named drivers.
STEP 2
Provide accurate information
Details about where the car is parked, your job, and your driving history help ensure your quote is correct.
STEP 3
Get a quote online
Fill out the easy-to-use quote form to see your quote instantly, subject to meeting Aviva's eligibility criteria.
STEP 4
Compare your options
Review what’s included and decide whether to add optional extras like protected no-claim discount or change your policy excess.
Aviva's car insurance quotes take just a few minutes to complete online, and you can choose to pay monthly or annually once you’re ready to buy.
Compare other motor insurance options
Irish drivers’ needs are different but that doesn’t mean your policy needs to be. Our car insurance is suitable for everyone who’s on the lookout for great value (as part of Aviva’s car insurance product offering).
Telematics insurance
Save with digitally smart telematics cover that rewards safer driving
How to compare insurance quotes and find the best deal?
Get a car insurance quote online in just minutes. Once you’ve entered your details, you can explore the available cover options, including cost of each cover option to find the policy that best meets your need
You’ll have the flexibility to select the cover that suits you, whether you're after a basic policy or one that provides comprehensive cover. It's a straightforward way to compare your options and see what’s available from Aviva, so you can make an informed decision when purchasing your car insurance.
Find the answers to the most commonly asked questions about motor insurance in Ireland.
Policy Types & Coverage
What is the difference between Comprehensive and Third Party, Fire & Theft?
Comprehensive covers your own car as well as third-party damage. Third Party, Fire & Theft only covers damage you cause to others and fire or theft of your own vehicle.
Do you insure new or first-time drivers?
Yes. We offer policies for new and inexperienced drivers, with options to help reduce costs such as multi-car discounts and telematics.
Are windscreen repairs covered?
Yes. Windscreen repair and replacement is included in comprehensive cover and as an optional extra for Third Party, Fire and Theft cover.
Do you cover driving abroad?
Yes. Your policy provides third-party cover for driving in the EU and certain other countries. More information on this will be included in your policy documents.
What does 'excess' mean – and do I need one?
All our car insurance policies will include an 'excess'. This is a set amount you'll pay towards the value of any claim you make before we pay the rest. For example, if you take out a comprehensive policy, €300 will be the standard excess. But, for an extra cost, you do have the option to lower this to €125. Please refer to our policy booklet for the full details of when the excess will apply. You also have the option to increase your excess amount.
Am I covered for personal belongings?
You're covered up to the value of €500 for loss or damage to your personal belongings in any one single event – fire, accident or theft. Any payments made for personal belongings won't affect your No Claims Discount.
Can I claim for window and windscreen damage?
You're covered for damage to any windscreen or window (not including the sunroof or panoramic roof) if:
You have a comprehensive car insurance policy and
You use our windscreen partners for your repairs
If you hold a Third Party, Fire and Theft policy, you can get glass cover as an optional extra for an additional premium. But please check your policy schedule for full details.
If you chose to use your own repairer, you need to inform our claims team on 1800 147 147 as there are limits on how much we pay.
Can I claim for lost or stolen keys?
We can pay for the cost of replacing:
Door or boot locks
Ignition steering locks
Lock transmitters and central-locking interfaces
But, for us to do so, you'll have to prove that whoever may have your keys or transmitter is also likely to know where your car is parked. If you do claim for lost or stolen keys, we won't take off the excess and it won't affect your No Claims Discount.
What is not insured by my car insurance policy?
Depending on your level of cover, there may be some things you’re unable to claim for. This can include things such as non-standard modifications to your car that we haven't agreed to cover.
To find out what's covered and not covered under your policy please refer to your policy schedule, certificate of insurance and policy booklet as they set out the cover provided under your car insurance policy.
Can I get a courtesy car if my car needs to be repaired due to damage that results in a claim under my policy?
A courtesy car is only provided in the event of loss of or damage to your vehicle which results in a claim under your policy.
Do I get breakdown cover with Aviva?
Yes. All Aviva motor policies include 24/7 Breakdown Rescue across Ireland and the UK.
Discounts & Savings
Can I get a discount if I insure more than one vehicle?
Yes. We provide savings when you take out cover for multiple cars under the same household.
Can I get a discount on my quote?
You can. We offer a wide range of discounts that could reduce your quote. For example, if you have no claims within the last five years on a policy in your own name, you can get a 'No Claims Discount' of up to 50% off the price of your car insurance.
Is there any discount for a member of my household who wishes to take out a policy in their own name with Aviva?
The multi-car discount can be applied if there is more than one car in the same household insured through Aviva Direct. So, if you are an existing customer with Aviva Direct and someone in the same household takes out a second car insurance policy, our multi-car discount can be applied to the second policy, and to each additional policy, up to a maximum of five, provided each policyholder resides in the same household (same address).
Can I still get a multi-car discount if our renewal dates are different?
For two (or more) cars, you don't need both policies to have the same renewal date to get your multi-car discount. It'll be applied as soon as the renewal is due on your second policy.
Quotes and Pricing
How much is car insurance?
There’s no one-size-fits-all price when it comes to car insurance. Your quote is calculated based on the information you provide and depends on the details of your car such as the make and model of your vehicle as well as how many years claims free driving you have.
How do I get a quote online?
All you have to do to get your car insurance quote is follow our simple online journey. These include your name, date of birth, contact information, car details, driving experience and your preferred type of cover, to name a few. You'll have your quote in a matter of minutes.
Then, all that's left is to decide whether you're happy to proceed.
Claims & No Claims Discount
How do I make a claim?
The first step in the process is to provide us with some personal details – like your name and policy number. You'll then be able to tell us what happened in your own words, as well as what damage your vehicle suffered. It'll also be helpful to give us details of anyone else involved; – other drivers, passengers in any cars involved, or witnesses.
Your Personal Claims Handler will then get things moving. And we'll always let you know what happens next. To start your claim, please call our 24-hour helpline on 1800 147 147.
Will I lose my full no claims discount if I make a claim?
With our Step-back No Claims Discount, you keep part or all of your discount even after certain claims. This is an optional cover with an additional premium.
What is a no claims discount?
A no claims discount can provide you with a discount on the cost of your car insurance for every consecutive year you hold a policy, in your own name, without making a claim. You can avail of up to a 50% discount on an Aviva car insurance policy, if you are claims free for the last 5 years or more. This is the maximum no claims discount we offer.
As your policy comes to an end, your renewal invitation will contain proof of your No Claims Discount.
What if my car is written off?
If your car is beyond economic repair, our claims team will strive to arrange a settlement as quickly as possible, keeping you informed throughout.
Driving Abroad & Green Card
Can I take my car abroad?
With Aviva, you're covered automatically anywhere within the EU for up to 31 days. To find out more, please see page 2 of our MotorCare Policy Booklet.
Your policy booklet also contains details of restrictions – like the driving of other cars (Section 2 D) and Breakdown Rescue (Section 6).
How do I get a Green Card?
A Green Card is a certificate of car insurance that you might need when driving your car outside the EU or some other European countries.
To arrange please contact us on 1800 333 322.
Do I need a Green Card for the UK/Northern Ireland?
No. A deal between authorities in Ireland and the UK means you do not need a Green Card to drive in Northern Ireland or mainland UK. Your car insurance disc is your proof of insurance.
Policy Management
Can I manage my policy online?
Yes. With MyAviva, you can access your documents, update details and view claims anytime.
Where can I find my policy documents?
Your policy documentation, including your annual car insurance certificate and disc, will be made available through MyAviva or issued to you by post, depending on your communication preference.
Through MyAviva: If you're opted in to online documentation.
By post: If you're not opted in to online documentation.
How long will it take to receive my policy documents?
You'll be able to view, download and print your documents through MyAviva if you choose to receive your documents online once you have purchased a policy.
Documents sent via post can take 3-4 working days to arrive. If you still haven't received them after this period, please phone us on 1800 33 33 22.
Can I change my policy?
You can make changes to your policy through MyAviva.
Transfer your insurance to another car
Add and remove drivers
Request additional documents
Change your address
Change your contact details
Here are some helpful videos on how you can make changes through your MyAviva account.
Please note certain requests will incur a €25 administration fee if you contact us via the Customer Service Team.
Can I cancel my policy?
Yes, for policies cancelled after the 14-day cooling-off period, we will work out the premium for the period for which we have insured you and refund any balance. We will not refund any premium if you have made a claim or if one has been made against you during the current period of insurance. If you pay your premium by monthly instalments (direct debit) and you have made a claim, or one has been made against you, the balance of the annual premium will become payable to Aviva upon cancellation. Please refer to our policy booklet for more details.
How do I change my payment details?
You are unable to amend payment details online, you will need to contact us to make these changes. We're available from 9am to 6pm, Monday to Friday.
