Levels of cover
There are two main types of car insurance cover; third party, fire and theft or comprehensive.
The kind of car insurance you choose will depend on what level of cover you want for your car, how much you want to pay for your insurance, how often you drive and the age and value of your car. We’re here to make your decision a little easier so we’ve laid out the differences and benefits of each.
What is comprehensive?
Comprehensive car insurance will protect you for everything covered under third party, fire and theft along with any windscreen or accidental damage.
What is third party, fire and theft?
Third party, fire and theft insurance will cover you if your car is damaged by theft or attempted theft, stolen, or damaged by fire. In the event of an accident, it will cover claims made against you by other people for personal injury or damage to their property.
What you get
Both levels of cover come with:
- Great discounts that keep your costs down
- Optional covers and extras so you can tailor your policy to suit your needs
- Cover if you're driving in Northern Ireland, Great Britain, the Isle of Man and the Channel Islands
- And then there are the benefits
Which cover is right for you?
The difference between the two is simply the level of cover you get. Our handy comparison table lets you compare the features and benefits of our comprehensive and third party, fire and theft insurance so you know you're getting the policy that's right for you.
Comprehensive
What's covered
- Loss of 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 cars*
- New car replacement**
- Fire brigade charges (Up to €1000)
- Windscreen cover
- Protected No Claims Discount (NCD) - theft claims
- Personal belongings cover (Up to €150)**
- Radio/audio equipment up to €650 or 5% of vehicle value, whichever is less**
- Legal expenses
What's not covered
- Fire and Theft excess
What's optional
- Step-Back No Claims Discount (NCD)
- Protected No Claims Discount (NCD) with Step-Back
- JourneyWise accident cover
Third Party, Fire and Theft
What's covered
- 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 cars*
- New car replacement**
- Fire brigade charges (Up to €1000)
- Protected No Claims Discount (NCD) - theft claims
- Personal belongings cover (Up to €150)**
- Radio/audio equipment up to €650 or 5% of vehicle value, whichever is less**
- Legal expenses
What's not covered
- Loss of or damage to the car by: accidental means
- Standard accidental damage excess
- Fire and Theft excess
What's optional
- Windscreen cover
- Step-Back No Claims Discount (NCD)
- Protected No Claims Discount (NCD) with Step-Back
- JourneyWise accident cover
Car trouble can happen to anyone, but with Aviva car insurance, breakdown rescue cover comes as standard. Learn more about what to do in the event of an unexpected breakdown.
Need more information?
Our MotorCare Policy Booklet covers everything you need to know about our Comprehensive and Third Party, Fire and Theft car insurance, from terms and conditions to full details of our benefits.
If you're already an Aviva car insurance, check your policy schedule for your exact cover and any extra benefits or amendments that may apply.
Policy details
Important information about your car insurance. You may find our glossary of terms helpful when reviewing your car insurance documents. Our assumptions are also available to you.
15% online car insurance discount¹
Get a quote or learn more about our car insurance.
Looking for more information?
Find out how you can tailor your car insurance policy to suit you, make great savings and manage your policy online.
Optional cover
One size doesn't fit all so you can tailor your car insurance cover to meet your needs.
Car Insurance discounts
Make great savings on your car insurance with our range of discounts.
MyAviva Car
Our online self-service tool allowing you to manage, amend and renew your car insurance policy online.
Need to contact us?
Email enquiries
Question about your policy? You can contact us by email and we’ll get back to you.
Telephone numbers
You'll find all the contact information you need here
* The cover only applies to policyholders (proposer) who hold a full EU driving licence. Certain occupational restrictions apply.
** For fire and theft damage only in relation to Third Party Fire & Theft policies.
1. Offer of 15% discount only applies to new car insurance policies bought online. Acceptance criteria, terms and conditions apply. Subject to a minimum premium of €310 for car insurance. Aviva reserves the right to withdraw, suspend or amend this offer or any of the terms and conditions there of at any time without prior notice.
Car insurance is underwritten by Aviva Insurance Ireland DAC.
Aviva Direct Ireland Limited is regulated by the Central Bank of Ireland. A private company limited by shares. Registered in Ireland No 374895. Registered Office: Cherrywood Business Park, Dublin, Ireland, D18 W2P5.