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Discounts

We reward safe drivers and offer a range of discounts to save you money

Safe driving discounts

Want to save money on your car insurance? Of course you do! Then let us tell you about our impressive range of discounts and how you can get your hands on them.


No claims? Up to a maximum of 50% off

No Claims Discount

For every claim-free year that you hold a policy in your own name you get 10% off the price of your Comprehensive or Third Party, Fire and Theft insurance. So you can halve the price of your policy straight away! Even if you have fire or theft claims, your no-claims discount won't be affected. And if you insure more than one car with us, you'll get a no-claims discount on each car separately.

No penalty points? Up to 27% off

No Penalty Points Discount

When you and your additional drivers are penalty points free you may be able to benefit from a discount of up to 27% on your motor insurance premium.  To qualify for our penalty points rating all drivers on the policy must be capable of incurring penalty points for driving offenses in Republic of Ireland and you must provide us with a valid driver number (found on the driving licence) for each driver on the policy which can be verified by the National Vehicle Driver File (NVDF). A policy loading may be applied for penalty points which are incurred by you or any driver whose driving is covered by this policy. Discounts or loadings may vary depending on the number and nature of the penalty points incurred.

Relevant driving qualification? Up to 20% off

Driving Qualification Discount

We all know experience counts. That's why you get 20% of the price of your policy if you hold a relevant 'Advanced Driver' qualification with the following driving associations:

  • The IAM (institute of Advanced Motorists) in the UK
  • The RoSPA (Royal Society for the Prevention of Accidents)
  • Diamond Advanced Motorists

Offer subject to minimum premium of €280 for car.

Passed our ignition assessment? 5% off¹

Ignition Assessment

And we haven't forgotten those starting out either. We know that policies can be expensive if you've had your driver's licence for less than three years. So we can offer you a way to bring down the cost. If you pass our one-hour Ignition driving assessment we'll give you a 5% discount.

Want to find out how much you can save? Call our Galway team on 1890 33 22 11. And you can book your Ignition assessment by calling 1890 40 50 80.

Loyalty discounts

We reward existing customers who choose Aviva for their insurance needs.


Car and home insurance with Aviva? 15% off²

Loyalty Discount

You’ll get a 15% discount on the second policy and once it’s set up you’ll be eligible to free multi-trip European travel insurance valid for 1 year for new Aviva customers.

For existing customers when your first policy is due for renewal you will be eligible for the 15% discount and once it’s set up you’ll be eligible to free multi-trip European travel insurance valid for 1 year.

Terms & Conditions apply

More than one car insured with Aviva? 10% off³

MultiCar Discount

Got a second (third, fourth, or even fifth) car to insure? Then the Aviva Multicar Discount is just what you need. If you already have an Aviva car insurance policy, you'll get a 10% discount off the premium of every additional car you insure with us.

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Policy discounts

You can make more savings when you buy online or increase your policy excess.


Buy online? 10% off

Policy Excess Discount

Simply buy your car insurance online with us and get 10% off the price of your policy. Instant access to your documents, no more waiting for snail mail and money off...what's not to like!

Increase your policy excess? 5% off

Policy Excess Discount

Your policy excess is the amount you have to pay if you make a claim on your car insurance. On a standard Aviva policy, that's €300. But if you go for an excess of €600 instead, we'll give you a 5% discount on your premium.

Please note that we only offer this discount on Comprehensive car insurance policies.

Ready to get cover?

Take out your car insurance policy online and we'll give you a 10% discount online.

Need to contact us?

You'll find all the content information you need here

To be eligible for any discounts, you must pay a minimum premium of €280 on your car insurance. Acceptance criteria, terms and conditions apply.

Terms and conditions apply to all our car insurance policies and you can see full details in our Motor Care Policy Booklet.

1. The Ignition assessment discount is only available to Irish learner permit holders and drivers with a full EU or UK driving licence.

2. Our loyalty discount is available to new and existing customers who have both car and home insurance with us. Acceptance criteria, terms and conditions apply. To be eligible, you must pay minimum premiums of €280 for your car insurance and €230 on your home insurance (€115 for Contents & Buildings only).

3. Aviva Multicar Discount - Acceptance criteria, terms and conditions apply. All discounts applied subject to minimum premium of €280. Offer available on second and subsequent car policies for new and existing Aviva customers. Vehicles must be owned by members of the same household and registered at the same address.

Aviva Direct Ireland Limited is regulated by the Central Bank of Ireland. Car insurance and home insurance are underwritten by Aviva Insurance Ireland DAC.

Aviva Insurance Ireland Designated Activity Company, trading as Aviva, is regulated by the Central Bank of Ireland. A private company limited by shares. Registered in Ireland No. 605769. Registered Office: One Park Place, Hatch Street, Dublin 2, Ireland, D02 E651.