Car Insurance - Our assumptions

We have put together a handy assumptions guide to make it easier for you to understand all of the terms we use for car insurance

In offering you an online car insurance quote, we assume the following:

You (your named drivers or any person who may drive your car) driving history

  1. Have never been disqualified from driving
  2. Have never had any endorsement on your (their) licence
  3. Have had no claims made against you in the last three years, have no outstanding claims, nor been involved in any accident or loss
  4. Have not been convicted of any offences of any nature, or have any now pending
  5. Have no more than six penalty points on your (their) current licence, none of which were applied from judgement in a court of law.
  6. Have no disability or medical condition that impairs your (their) ability to drive
  7. Have not been refused the renewal of a policy of insurance by any insurer
  8. Have had no special terms and conditions imposed on you (them) by any insurer
  9. Have never had a policy of motor insurance cancelled on you (them) by any insurer
  10. Permanently reside in the Republic of Ireland

Your insurance history

  1. You have a No Claims Discount earned within the last two years in your own name.
  2. This No Claims Discount was earned on a car, not a moped or motorcycle.
  3. This No Claims Discount is not in use on any other active policy (you earn the no-claims discount on each car separately if you insure more than one car and the same No Claim discount cannot be in use at the same time on more than one policy).
  4. The number of years of no claims bonus declared to us represents the actual number of years claims free driving you have earned in your own name.

Your car

  1. Is a private car built mainly for carrying passengers and taxed for private use only
  2. Is valued at less than €100,000
  3. Is used only for social, domestic and pleasure purposes (including commuting to and from work)
  4. Is owned and mainly driven by you or your spouse/partner
  5. Is registered in you or your spouse/partner's name
  6. Is normally parked at your home address
  7. Is not a kit car, van, car van, vans adapted to carry passengers or a vehicle used for hire or reward such as a taxi or a hackney, sports car, convertible, GTI, VTEC or high performance vehicle
  8. Is not converted, adapted or modified in any way
  9. Registration number has been correctly provided

Main Driver (applicable to you OR your spouse/partner if Main Driver/Main User)

  1. Do not own or have any other vehicles registered in your (or assumed Main Driver's) name
  2. Do not have a company vehicle or full-time use of another vehicle
  3. Do not insure another vehicle in your own (or assumed Main Driver's) name
  4. Are not the main driver of any other vehicle

Your Quote

  1. Is based on the policy cover start date
  2. Is based on you providing us with your current and valid vehicle registration number
  3. May include discounts which are exclusive to online customers
  4. Online discounts may vary from time to time for example as a result of marketing campaigns and some discounts may vary for customers who are switching to Aviva from another insurer.

Your MultiCar Discount

  1. Is based on you having provided the correct policy number for another driver in your household who currently has an Aviva car insurance policy. 

Feel 21 again with Aviva

Because 2021 is the year when good things should happen. Get 21% off your car insurance when you buy online.1

Looking for more information?

Aviva car insurance comes with great benefits as standard, a range of optional covers and extras and there's great savings to be made if you have more than one car in your household.

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

1. Offer of 21% discount only applies to new car insurance policies bought online. Acceptance criteria, terms and conditions apply. Subject to a minimum premium of €280 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 One Park Place, Hatch Street, Dublin 2.