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Frequently Asked Questions

About car insurance

Why do I need 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 car insurance 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.

To get your car insurance quote, use our simple form and fill out a few basic details. 

What does car insurance cover?

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. It also provides the necessary evidence the car can be used on a road or in any public place, as required by the Road Traffic Acts in the Republic of Ireland.

We offer two main types of car insurance with various optional extras to help you find cover that meets your needs. To get your car insurance quote, use our simple form and fill out a few basic details.  If you're at all unsure, our friendly Customer Service Team will be able to help on 1800 333 322.

How much is car insurance?

Your car insurance quote is based on the details you provide us. There's no one-size-fits-all price for your policy. It's all unique to you.

Your quote also lets you compare car insurance costs with other providers. Doing this means you can be sure you'll get the best cover at a price that's right for you. It also shows you the brilliant value you can expect when you choose Aviva.

How do I get a car insurance quote?

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.

Who underwrites Aviva Car Insurance?

Aviva car insurance is underwritten by Aviva Insurance Ireland DAC.

Standard Cover Details 

Am I covered for breakdown?

Breakdown rescue cover covers the following types of breakdown: Mechanical breakdown, fire, theft or attempted theft, malicious damage, punctures that need help to fix or to replace a wheel, lost keys, stolen keys and keys broken in the lock or locked in the car.  Cover applies in the 32 counties of Ireland and in England, Scotland and Wales.

All Aviva direct private motor policies include breakdown rescue cover as standard Help Line Number: Freephone 1800 44 88 88 accessible 24 hours a day, 365 days a year.

Can other people drive my car on my policy?

Anyone that drives your vehicle should be named on the policy. You can add a driver using MyAviva. You will need your email address and your policy number to register; your policy number is located on the left hand side of your policy document. Once logged in follow the steps.

For policy numbers beginning with 93 watch our helpful video on how to add a driver through your MyAviva account.

Will my car insurance allow me to drive abroad?

With Aviva, you're covered automatically anywhere within the EU for up to 31 days.

The following cover does not apply when you are using your car abroad.

  • Driving of other cars; Section 6 – Breakdown Rescue.

To find out more, please check your MotorCare policy booklet for details.

What's the difference between a main driver and a named driver?

The main driver is the person for whom the Private car is intended as their main vehicle and who is:

  1. shown in the Statement of Fact as the main driver;
  2. the primary driver of the Private car, which means the person who drives the Private car more often than any other person and;
  3. responsible for the Private car insured under this policy.

The named driver is a driver who is shown in the Statement of Fact as an additional Named driver and is a frequent user of the Private car but not the Main driver.

Named drivers are additional drivers who are entitled to drive the vehicle under the policy.

What is not insured by my car insurance policy?

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.

Optional Extras

What are the optional extras?

We offer additional extras to your car insurance policy at an extra cost.

These extras include adding open driving, protecting your no claims discount, managing your excess and adding JourneyWise accident to your cover,

You do not need to purchase optional extras in order to purchase the main product.

Visit our optional cover page to find out more.


Can I get a discount on my car insurance quote?

You can. We offer a wide range of discounts that could reduce your car insurance 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 up to 50% off the price of your car insurance.

For a full list of quote discounts - click here.

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 renwal dates are different?

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.

No Claims Discount 

What is a No Claims Discount?

No Claims Discount it’s a discount that car insurance customers receive if they haven’t made a claim for a set period of time – starting from 1 year. View our article as we explain what is No Claims Discount and how it works.

Where can I find proof of my No Claims Discount?

Unless we already have your No Claims Discount on file, you will have to provide proof of your No Claims Discount (NCD) with your application.

Your proof of No Claims Discount can usually be found in your renewal invitation letter from your previous insurer.

Can I protect my No Claims Discount?

Yes, you can protect your No Claims Discount. This option will be available to add onto your policy when you receive your quote online. There is additional cost for adding this option.

We do offer three options to protect your No Claims Discount:

  • Step-back No Claims Discount
  • Protected No Claims Discount
  • Protected No Claims Discount with Stepback

Visit our optional cover page to find out more.

How long is No Claims Discount for motor insurance valid for?

Your No Claims Discount (NCD) will be valid for 2 years after the expiration of your last policy, provided it is not being used on another policy.

Can I use my No Claims Discount on more than one vehicle?

No, you earn the No Claims Discount on each car separately if you insure more than one car with us.

What's the biggest No Claims Discount I can get on my car insurance?

With Aviva if no claims is made or arises in a five year period of insurance the reduction is 50%, which represents the maximum No Claims Discount Aviva offers.

MultiCar Discount

What is multi-car discount?

This is an additional 10% discount on car insurance if you are taking out car insurance on another car in the same household or if another member of your household has or takes out car insurance from Aviva Direct Ireland Limited, you can get 10% off the cost of insuring another car. This discount applies on up to five cars per household.

How do I get the MultiCar discount?

When you’re getting your online quote and if any member of your household has a current private car policy with Aviva Direct, select "Yes" when asked the following question: “Does any member of your household currently have a private car policy with Aviva Direct?”

When you’re getting your quote over the phone we will ask you if any members of your household currently have a private car policy with Aviva Direct. You will be asked to provide the policy number of the existing Aviva Direct car policy to ensure you are entitled to the discount.

How will my Aviva MultiCar saving be calculated?

If there is more than one Aviva Direct car insurance policy in your household, we will give a discount of 10% on the second and any subsequent cars. All vehicles must be owned by members of the same household and registered at the same address.

Policy Excess

What does 'excess' mean - and do I need one?

An excess is the amount you will have to pay towards the cost of a claim. The excess amount is noted on your policy schedule.

Can I pay a voluntary excess?

You can choose to increase or decrease your excess. The standard excess on our comprehensive policy is €300. You can choose to increase your excess to €600 (for a premium reduction) or decrease the excess amount to €125 (for a premium increase). 

Getting a Quote

How do I get a car insurance quote?

All you have to do to get your car insurance quote is use our online form and fill out a few 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.

How do I retrieve a quote or payment?

All you need is a few details to retrieve your car quote.

You can retrieve your car insurance quote here.

What do I do if I have been declined a qoute?

If you are unable to secure a quotation in the market including your renewal, you can refer your case to the Declined Cases Agreement. The Declined Cases Agreement (DCA) is a mechanism whereby motorists who experience difficulty in obtaining motor insurance can apply for cover under this programme.

Most Insurance companies are party to an agreement with the Department of Transport. Insurers, through the mechanism of the Declined Cases Committee, will not decline to provide a motor policy for those individual proposers who have approached at least three insurers and have not been able to obtain insurance cover where the proposer is:

  • One of their existing Motor policyholders or one who has held a policy with them in the preceding three years, or
  • A new Proposer who has not within the preceding three years held motor insurance in his/her own name,
  • Except where to provide such a policy would be contrary to the public interest.

A committee representing all Insurers who are party to this agreement has been established for the purpose of administrating the Agreement. For further information please contact the Consumer Information and assistance service within Insurance Ireland, 5, Harbourmaster Place, IFSC, Dublin 1 (Telephone: 01 676 1914, Fax: 01 676 1943, Email: info@insuranceireland.eu). The service can advise you on how to proceed further, and may be able to help in resolving the problem.

To request a letter from Aviva, please fill out the following form. Please note that you will require your reference number. Proceed to Form.


Can I spread my payments and pay by monthly instalments?

Yes, you will be given the option to choose to pay in one payment or monthly payments.

You will see the options once you receive your quote on the online journey. 

Monthly payments: With our monthly payment plan you can spread your premium over 10 payments. If you choose to pay your premium monthly, you will pay <>% of the premium upfront as a deposit. The rest of the premium will be spread over 9 equal instalments and collected from your bank account. Direct debit payments are subject to interest charge of 6.715% and APR of 17.04.

Is it cheaper to pay monthly or annually?

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.

How can 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 between 9am and 6pm Mon-Fri.on 1800 333 322.

What is Strong Customer Authentication? (SCA)

SCA allows for your bank to verify your identity when transacting online. Online fraud is increasing, so the aim of the revised Payment Services Directive is to make your online payments more secure.

SCA simply checks your information with your bank to help them verify you. Your bank will be able to ask you additional information, typically a passcode which they will send to you, so they can authorise the online payment you are making.

For everything to run smoothly, your bank will need to have up to date contact details such as your mobile number or email to enable them to send you a passcode if it’s required for both you or a joint account holder. If you run into issues, our Contact Centre can take the payment over the phone.

Car Details

Does Aviva provide cover for vans?

For van insurance you will need to contact a financial broker to avail of a quote.

Aviva currently does not directly provide quotes for van insurance.

You can find your nearest financial broker through here.

Can I drive other cars?

With an Aviva car insurance policy you may get third party cover to drive other people’s cars if you have a full, current EU driving licence.

Some restrictions apply, check your MotorCare policy booklet for details. This cover will only apply if it is shown under Section 5 (b) of your current Certificate of Insurance.


Find the answers to some of the most frequently asked questions