Protect Your No Claims Discount
First, let's talk about your no-claims discount. A discount on our premium based on the number of years you've had your car insurance and not claimed on it. It has a big impact on the price of your policy and we make that easy with these clever options;
You must pay an extra premium for these covers
Protected no-claim discount Show more Show less
Make up to two unlimited claims in a three-year period without losing your no-claims discount and because we don't take account of claims for windscreen breakage or fire or theft with this option, you don't need to worry about using up one of your two claims. You need to have a 50% no-claims discount to be eligible for this option.
Step-back no-claim discount Show more Show less
With step-back you can keep part of your no-claim discount even if you have to make a claim on your car insurance. If you have a single claim or one arising during any period of insurance, we just "step it back" or reduce your no-claims discount as follows;
- 50% to 20%
- 40% to 10%
- 30% or less to 0%
Protected no-claim discount with step-back Show more Show less
Make up to two unlimited claims in a three-year period without losing your no-claims discount and because we don't take accounts of claims for windscreen breakage or fire or theft with this option, you don't need to worry about using up one of your two claims. If you have to make more than two claims, we will step back your no-claims discounts. You need to have a 50% no-claims discount to be eligible for this option.
Windscreen Cover
Windscreen cover is a nice standard benefit with our Comprehensive policy. But you can opt to add it on to your Third Party, Fire and Theft policy for peace of mind.
It means we pay for accidental damage to your car windscreen or any other car window, apart from the sunroof, as well as scratches to the bodywork because of the breakage. Use one of our aligned windscreen repairers and you don't have to pay anything.
Just call 1800 147 147 for our current list of aligned windscreen repairers. If you want to use another windscreen repairer, we'll cover up to €225 for a single event.
Policy Excess Option
A policy excess is a fixed amount you have to pay when you make a claim on your car insurance policy. If you have an Aviva Comprehensive policy, the standard excess is €600 and only applies to claims for accidental damage. But because we like to give you as much flexibility as possible, we let you choose to increase or reduce your excess in return for upping or lowering your premium.
The options available are shown below.
- Reduced excess - we will reduce your excess to €125 in return for an increase in your premium. The option to reduce your policy excess to €125 is only available if the policyholder holds a full EU or UK driving licence.
- Standard excess – we will reduce your excess to €300. No premium adjustment will apply.
- Increased excess – your excess will remain at €600 in return for a premium discount. This is the default option for new business customers.
JourneyWise Accident Cover
Bad things happen sometimes but you can protect yourself and those you care about in case of accidental bodily injury. For any person named on your policy and who you have chosen to cover for this benefit we will pay;
- €26,000 in the event of death, loss of sight or loss of one or more limbs.
- Up to €130 for each complete day spent as an inpatient in hospital for up to 20 days.
JourneyWise also covers you while in, getting into or getting out of a private car or if you're a fare-paying passenger on a train, bus, taxi, aircraft, boat, ship or hovercraft.
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