Is comprehensive car insurance right for you?
Comprehensive car insurance provides our highest level of protection, covering accidents, damage to your car, injury to third parties, and benefits such as windscreen and accidental damage cover.
Why choose Aviva’s comprehensive car insurance?
- Breakdown rescue
- Towing charges
- Courtesy car
- Replacement lock cover
- Legal assistance
- New car replacement
To name a few, cover limits, terms and conditions apply.
Discover why so many drivers in Ireland trust Aviva for their car insurance needs.
"I found the website very easy to negotiate, also on the day offered me the most competitive quote for fully comprehensive insurance with all the add ons."
- David M
"Easy to fill online. Was able to get quote six weeks in advance of renewal date. Quote lowest on the market with good comprehensive cover. Easy to request paper disc and to upload documents."
- Bob K
Get your comprehensive car insurance quote today
Here's how to get a quote quickly and easily
- Gather your details e.g. driving licence, vehicle registration
- Provide accurate information e.g. your job, your driving history
- Get a quote online and compare inclusion of optional extras
What’s covered as standard with our comprehensive policy?
At Aviva, comprehensive car insurance includes a wide range of covers and benefits as standard. Here’s what’s included, subject to terms, conditions and cover limits:
- Loss or damage to the car by accidental means
- Loss of or damage to the car by fire, theft and attempted theft
- Injury to someone else
- Damage to someone else's property
- Breakdown rescue cover
- Replacement lock cover
- Towing charges
- Third Party cover to drive other carsFootnote [2]
- New car replacementFootnote [3]
- Fire brigade charges (Up to €1000)
- Windscreen cover
- Protected No Claims Discount (NCD) - fire, theft, windscreen claims
- Personal belongings cover (Up to €500)Footnote [3]
- Radio/audio equipment up to €650 or 5% of vehicle value, whichever is lessFootnote [3]
- Legal expenses
Protecting your car
Your vehicle is covered against loss or damage caused by accidental means, fire, theft, or attempted theft. Enjoy peace of mind with windscreen cover, replacement lock cover to protect you against loss or theft of your car keys and towing charges if a mechanical problem means you can’t continue your journey.
Protecting you and your passengers
Comprehensive cover protects against injury to others and damage you cause to other people’s property. Your personal belongings inside the car are covered up to €500, while radio or audio equipment is protected up to €650 or 5% of the vehicle’s value, whichever is less. For medical expenses, Aviva will pay up to €200 per person if you or anyone in your car (including the driver) is accidentally injured in direct connection with the car helping to ease the financial impact during recovery.
On-the-road support
Breakdown rescue cover comes as standard, and we aim to get you back on the road as quick as possible if your vehicle breaks down. With a comprehensive insurance policy from Aviva, you can avail of towing cover so if your car breaks down and can’t be driven, we’ll have it towed to the nearest repairer or to your own garage, whichever is closer.
Frequently asked questions
What is comprehensive insurance?
Comprehensive cover provides you with our highest level of protection in the case of car accidents or damage to your vehicle and third parties property, along with any windscreen or accidental damage.
What does comprehensive insurance in Ireland cover?
Aviva's comprehensive car insurance policy covers accidental damage to your car, fire, theft, third-party injury or property damage, breakdown rescue, replacement locks, towing, windscreen damage, personal belongings, and more.
Can I drive any car with comprehensive car insurance in Ireland?
As the policyholder, you may be insured to drive other people’s cars with third‑party cover only, as long as you hold a full, valid EU or UK driving licence. This cover is subject to certain conditions, please check your MotorCare policy booklet for full details.
Does Aviva offer new car replacement under comprehensive cover?
Yes, Aviva will replace your car with a new car of the same make and model, if you are the original and only owner of your car from new; and within 12 months of first registering your car, it is stolen and not recovered or is lost or damaged (in a single accident) and the cost of the repair, reinstatement or replacement is more than 50% of the current list price of the car when new. Please see your MotorCare policy booklet for full details.
Will I lose my full no claims discount if I make a claim?
With our optional Step-back No Claims Discount protection, you keep part of your discount even if you make a claim (single claim) during the period of insurance. Your no-claim discount is only protected on the policy on which this optional cover is purchased. Please see your MotorCare policy booklet for full details.
Customise your policy
Make your comprehensive car insurance your own with our additional cover options tailored to your needs. Increase or decrease your policy excess and/or add JourneyWise Accident Cover for extra personal protection.
Our cover options give you the flexibility to choose what suits you, helping you feel confident about your insurance coverage every time you’re on the road.
Aviva's car insurance cover options
At Aviva, we have over 300 years of insurance experience, giving us a deep understanding of the importance to you to choose the right cover for your specific needs and budget. We offer a variety of car insurance options designed to provide you with protection and peace of mind.
Telematics / black box car insurance
Our Telematics policy rewards safer driving and is aimed to be affordable insurance for inexperienced, new or young drivers. Using a black box to monitor driving habits, this policy type includes comprehensive protection along with breakdown rescue and is designed to encourage responsible driving behaviours.
Third party, fire and theft
This level of cover protects your car if it’s stolen, damaged by fire or during a theft or attempted theft. It also protects you if you’re involved in an accident by covering any claims from others for personal injury or damage to their property.
Explore third party, fire and theft
Compare more Aviva car insurance cover options designed to suit different needs and budgets. Compare key features, benefits, discounts and savings.
Policy documents
If you already have Aviva car insurance, you'll find your policy documents in your MyAviva account.
- MotorCare Policy Booklet
- Motor Legal Expenses Booklet
- MotorCare IPID
- Terms of business
- Car Insurance glossary of terms