CAR INSURANCE

There are two very good reasons you need to insure your car.

First, a car is a significant purchase for a lot of people. If something goes wrong or you're involved in an accident, repairs can prove expensive – especially if there’s another car involved. But, with the right car insurance, we'll cover the costs so you aren't left out of pocket.

The second reason is much simpler. By law, you must have at least Third Party Cover in Ireland. Driving without insurance is an offence and can result in fines, 5 penalty points and a mandatory court appearance. In some cases, you could even be sent to prison or disqualified from driving.

Our car insurance product is designed to provide financial protection to the owner, user or driver of an insured car, in the event of a motor accident, which through the use of the car may result in injury to any other innocent third party or damage to property. It may also provide cover for the policyholder’s own vehicle in the event of fire, theft and malicious or accidental damage.

There’s no one-size-fits-all price when it comes to car insurance. Your quote is based on the details you provide us and depends on details such as the make and model of your vehicle as well as how many years claims free driving you have.

All you have to do to get your car insurance quote is use our simple form and fill out a few basic details. These include your name, date of birth, contact information, car details and your preferred type of cover. You'll have your quote in a matter of moments.

Then, all that's left is to decide whether you're happy to proceed.

You can pay for your Aviva car insurance by monthly direct debit or by one upfront payment.  In many cases, it will work out cheaper to pay upfront for the whole year - but it's up to you. Monthly payments suit some budgets better than one upfront payment.

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^{Footnote [6]}.

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.

Read more about making a claim.

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).

For two (or more) cars, you don't need both policies to have the same renewal date to get your Multicar discount. It'll be applied as soon as the renewal is due on your second policy.

Your policy documentation, including your annual car insurance certificate and disc, will be made available or issued within 5 days or after the start date of your policy whichever is the later:

• Through MyAviva: If you're opted-in to online documentation.
• By post: If you're not opted-in to online documentation.

For policies beginning with 93 you will find your policy documents under the heading "Policy documents"

For all other car policies bought directly through Aviva Direct go to "View documents" to view your policy documents.

You'll be able to view, download and print your documents through MyAviva if you choose to receive your documents online.

Any documents can take 3-4 working days to come through the post. If you still haven't received them after this period, please phone us on 1800 335 577.

You can make changes to your policy through MyAviva.

If your policy number begins with 93 and looks like this 930000000, you can make the following changes through your portal:

• Transferring your insurance to another car
• Adding and removing drivers
• Request additional documents
• Changing your address
• Changing your contact details

Watch our helpful videos on how to make changes through your MyAviva account.

For all other policy numbers brought directly from Aviva Direct, you can make the following changes through your portal:

• Transferring your insurance to another car
• Renewing your existing car policy
• Adding and removing drivers

You can also contact our Customer Service Team by phone to make any changes. Visit our contact us page to find contact details.

Please note certain requests will incur a €25 administration fee if you contact us via the Customer Service Team.

If you decide to cancel after the 14 day 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 debits) 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.

You are unable to amend payment details online, you will need to contact us to make these changes. We're available between 9am and 6pm Mon-Fri.

If your policy number begins with 93 and looks like this 930000000, please contact us on 1800 333 322.

For all other policy numbers, please contact us on 1800 332 211.

As your policy comes to an end, your renewal invitation will contain proof of your No Claims Discount.

With Aviva, you're covered automatically anywhere within the EU for up to 31 days. To find out more, please see page 3 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).

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.

Russia, Turkey, Albania, and Ukraine are just some examples of where you may need to carry a Green Card. If you need one, all you need to do is ask us for one. It's free – but please get in touch with us at least one week before your journey.

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.

All our 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. If you take out a Comprehensive policy, for example, €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.

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.

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 either.

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

Do you hold a Third Party, Fire and Theft policy? If so, you can get glass cover as an optional extra. 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.

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.

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.

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 your policy, if you are claims free for the last 5 years or more. This is the maximum No Claims Discount we offer.

Read more about no claims discount.