Aviva Vehicle Insurance Review

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Aviva Vehicle Insurance Review

Written by Priyanka Correia
Fact-checked by Caitlin Wood

Aviva Vehicle Insurance Review

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Car Insurance Insurance

If you want to operate a vehicle legally in Canada, you’ll need an auto insurance policy. But aside from the fact that this type of policy is mandatory, it can also help get you out of a financial jam. This is especially true in an accident or if your car has been damaged or stolen. Plus, you can protect yourself financially from any litigation if another driver tries to sue you.

These days, there are numerous car insurance companies out there all vying for your business. Aviva is one of them and offers vehicle insurance as part of its overall suite of insurance products. 

Aviva Insurance is worth checking out simply because of the flexibility you have to customize your policy. The insurance company offers both basic and comprehensive coverage — and everything in between — as well as add-ons that you can incorporate into your policy for a more personalized approach. 

Let’s take a closer look at Aviva to help you determine if this is the right insurer to take out your vehicle insurance policy with. 

How Does It Work?

There’s nothing unique about how vehicle insurance works with Aviva. The insurance company will provide you with coverage as long as you are up-to-date with your premiums. These premiums are paid either every month or every year, and timely premium payments will keep your policy active. 

Aviva’s auto insurance will provide you with financial protection if you are ever involved in an accident with your car or if your vehicle is damaged or stolen. Your policy will also cover you if you’ve been deemed responsible for the damage done to another person’s vehicle or for the injury or death of other individuals involved in the incident. 

If the need to file a claim arises, you’ll have to pay a deductible first before your insurance policy kicks in. You can choose your deductible amount to change your premiums. You can lower your premiums by opting for a higher deductible. If your policy covers the incident in question, then Aviva will provide financial reimbursement for damages done. 

You can also choose the type of coverage you think you might need. More comprehensive policies will be more expensive, so you will want to weigh the cost of a policy with your exact needs. There’s no need to pay for more than what you think you’ll require. 

Check out what factors you should consider when buying car insurance.

How To Apply For Vehicle Insurance With Aviva

To obtain a policy, you’ll first need to apply for one, which you can do either over the phone, in person, on the provider’s website, or through an online insurance comparison website. 

In order for Aviva to provide you with an accurate quote, they will need a few key pieces of information from you, including the following:

  • Full name
  • Age
  • Gender
  • Marital status
  • Location
  • Contact Information
  • Driver’s licence 
  • Car make, model, and year
  • Current insurance policy number
  • How many kilometres you put on the car per year
  • Recent traffic violations 
  • Previous claims 

You will also choose the type of plan you want to take out and the coverage you need, including any add-ons that you may find important to offer you comprehensive and customized protection. You can also choose your deductible, which will impact your premiums. 

Based on the information you provide, you’ll be given an accurate rate.

Haven’t decided whether you want to lease or buy a car? Find out which is better.

What Kind Of Discounts Does Aviva Offer?

Aviva offers a number of ways for you to save on your car insurance policy with the following discounts:

Insurance Policy Bundling

Aviva offers not only car insurance, but also home insurance. By bundling your home and auto insurance policies, you may be able to get a discount. 

Being Retired

Folks who are of retirement age may see greater discounts on their auto insurance policies.

Insuring Multiple Vehicles

If you have more than one car in your household, insuring them all with Aviva can translate into savings.  

Keeping A Clean Driving Record

If you are a safe driver, are free of any driving convictions, and remain claims-free, your premiums can stay low.

There are other things you can do to keep your premiums low:

Increase Your Deductibles

You can effectively decrease your premiums by increasing the deductible amount. 

Buy A Car That’s Cheaper To Insure

Certain vehicles are more expensive to insure, such as luxury vehicles or those that don’t come with a security system. Do some homework on the types of vehicles that are less expensive to cover with insurance and consider getting one with an alarm system.

Drive Less

The shorter distance you drive every year, the lower the odds of getting into an accident. In turn, the risk for the insurance provider declines too. If possible, try to keep your mileage to a minimum.

Don’t plan on driving a lot? Consider getting temporary car insurance.

What Kind Of Auto Insurance Does Aviva Offer? 

Aviva’s standard auto insurance policy protects you in the event of injury, death, or damage to other individuals’ property. It also comes with coverage for medical costs and loss of income if you are unable to work following an accident. 

Liability Insurance

Liability insurance is required in Canada, regardless of where you live. This coverage helps cover the cost of another driver’s expenses incurred to repair their vehicles if you are in an accident. However, it does not cover the cost to repair your own car. It also covers you if you cause harm to another individual. Liability insurance also protects you from litigation if you are found to be responsible for damages and injuries to others. The coverage offered will depend on your policy’s specific coverage amount.

Find out what’s third party auto insurance.

Uninsured Vehicle Coverage

This coverage protects you and your automobile if you are hit by an uninsured driver. 

Accident Benefits

This type of coverage is mandatory everywhere in Canada except Newfoundland and Labrador. For all other provinces or territories, accident benefits coverage will cover the cost of medical care, lost income, and funeral expenses — regardless of who is at fault.

You can also add optional coverage to your Aviva insurance policy with any one of the following add-ons:

Comprehensive Coverage

This policy will protect you against damage done to your car that’s not the result of an accident. This can include things like theft, vandalism, or falling objects. 

Find out what’s gap insurance and if you need it.

Collision Protection

This add-on will help pay to repair or replace your vehicle if it’s damaged as a result of an accident with another car or object. 

Conviction Protector

If you’re ever convicted of a driving infraction like a speeding ticket, you can avoid having your premiums spiked with this add-on. 

Ride-Sharing

If you use your vehicle for work as a driver with ride-sharing companies like Uber or Lyft, you can add this rideshare insurance policy for additional protection. 

Temporary Car Replacement

If your car has been damaged and is in the shop being repaired, this add-on will pay for a rental car so you’ll still have a vehicle to drive in the meantime. 

Disappearing Deductible

Every year that goes by without you making a claim can result in your deductible reducing little by little with this policy. 

Accident Forgiveness

This add-on will prevent your insurance rate from increasing after your first accident, even if the incident was your fault. 

Personal Injury Protection

This type of policy covers the cost of medical care, rehabilitation treatments, and lost income if you or the passengers in your car are injured in an accident. It’s a type of no-fault insurance that will provide coverage up to your policy’s coverage limits. 

Specified Perils

Specific damage to your car will be protected with a specific perils policy, such as damage done by fire, earthquakes, windstorms, lightning, or fire. 

All Perils

This policy incorporates protection offered under both collision and comprehensive coverage.

What’s Not Covered In An Aviva Vehicle Insurance Policy?

In order to get specific exclusions from your policy, you would have to obtain a direct quote from Aviva. Their standard coverage is a no-frills type of basic policy, but you can add to it to fully customize your policy. That way, you can include precisely what you do and don’t require. You pay only for what you think you need. 

Types Of Vehicles You Can Insure

There are a number of vehicles that you can insure through Aviva, including the following:

  • Standard vehicles
  • Classic cars
  • Electric cars
  • Motorcycles
  • ATVs snowmobiles
  • Commercial vehicles
  • RVs and motorhomes
  • Boats

Pros And Cons Of Aviva Vehicle Insurance

Pros 

Customizability

Start off with a basic insurance policy and add items to fully customize your policy to suit your specific needs. 

Discounts

Aviva offers a number of discounts to help you save on your insurance premiums. 

Other Insurance Products Offered

Aviva not only offers vehicle insurance but home insurance too.

Make sure you know all there is about buying home insurance before you go looking.

Affordable Roadside Assistance

Aviva will be there for you if you’re ever stuck on the road, whether to tow your vehicle, give your car a jump start, or top up your gas tank thanks to its roadside assistance program.

Guaranteed Service

If you’re not satisfied with your service during the claims process, Aviva will give you a full refund for one full year’s worth of premiums. You’ll also get the full amount back from settling the claim. 

Cons 

Basic Standard Coverage

Aviva’s standard policy may be the lowest-price option, but it only offers protection against injury, death, property damage, and medical costs for you and your family.

Worried about your debt if you can’t work anymore due to a car accident-related injury? Consider getting life insurance.

How Do You Make A Claim?

If you are involved in an accident or your vehicle has been damaged or stolen, you can begin the claims process. To start your claim, call Aviva’s claims experts at 1-866-692-8482, and they’ll walk you through the process. 

You can also submit your claim online. You’ll need to supply a few pieces of information to file a claim, such as:

  • Your name
  • Your policy number
  • Date of the incident
  • Vehicle listed on the policy
  • Postal code on your policy

After you’ve submitted your claim online, a claim agent will contact you. 

Final Thoughts

To operate a vehicle legally in Canada, you need a car insurance policy in effect. Aviva offers affordable standard policies and a slew of add-ons to help you fully customize your policy so you only pay for what you need. With an impressive track record of positive reviews from clients, Aviva may be worth checking out when you need to take out a vehicle insurance policy.

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