Aviva, one of the UK’s leading insurance providers (and the best thing to come from Norwich since Colemans Mustard!), offers a comprehensive insurance package for electric and hybrid cars. Aviva is not only one of the largest insurance providers in the UK but also one of the oldest, with over 320 years of experience.
In this review we explore Aviva’s EV insurance, highlighting key features, benefits, and reasons why it stands out.
Aviva EV Insurance Cover Highlights
Aviva Electric Car Insurance is designed to offer comprehensive protection for both your EV and its essential components:
- Battery Protection
Aviva’s policy provides cover for your EV’s battery, safeguarding it against damage, fire, or theft. - Charging Equipment Coverage
Aviva extends its protection to portable EV charging cables and home charging stations. Whether your charging cables are stored in your vehicle, in use, or your wallbox is installed in your garage, Aviva’s policy covers them against accidental damage, fire, and theft.
Comprehensive Assistance and Recovery Services
One of the standout features of Aviva’s EV insurance is the comprehensive assistance and recovery services they offer:
- Out of Charge Recovery: Running out of battery can be a major concern for EV drivers. Aviva’s ‘Out of Charge’ service ensures that if your vehicle runs out of power on the road, an RAC mechanic will be dispatched to either provide an immediate charge to get you to the nearest charging station or transport you, your car, and up to seven passengers to the closest charging point or even back home.
- Vehicle Recovery and Repairs: In the event of an accident or if your car is not roadworthy due to a fire, Aviva will arrange for your vehicle to be recovered and delivered to an approved garage. Additionally, they offer coverage up to £150 for alternate accommodation or public transport if necessary, ensuring you and your passengers aren’t left stranded.
Additional Aviva Car Insurance Products
Aviva provides several other insurance products to cater to different vehicle needs:
- Multi-Car Insurance: Save up to 10% on premiums when you insure multiple vehicles under one policy.
- Temporary Car Insurance: Ideal for short-term coverage needs.
- Learner Driver Insurance: Provides coverage for new drivers learning to drive.
- Classic Car Insurance: Tailored coverage for vintage and classic cars.
- Van Insurance and Motorhome Insurance: Offers protection for business vehicles, vans, motorhomes, and campervans.
Protection Against Uninsured Drivers
Accidents involving uninsured drivers can be particularly stressful. Aviva’s Uninsured Driver Cover ensures that if your vehicle is hit by an uninsured driver and the accident isn’t your fault, Aviva will refund any excess you’ve paid, and your no-claims bonus will remain unaffected.
Driving Other EVs and Multicar Discounts
Aviva also provides flexibility for those who might need to drive other vehicles:
- Driving Other Cars: Aviva offers coverage for driving someone else’s car, provided you’re 25 or older at the start of the policy. This feature provides third-party liability coverage but does not cover repairs to the vehicle you’re driving.
- Multicar Discounts: Aviva offers discounts for households with multiple vehicles. By insuring more than one car under their EV Multicar policy, you can receive up to a 10% discount on each additional vehicle, regardless of whether the vehicles are electric or traditional internal combustion engine (ICE) cars.
Optional Extras
Aviva allows you to enhance your policy with several optional add-ons:
- Protect Your No-Claims Discount: This add-on ensures that your no-claims discount remains intact even after making a claim, preserving the savings you’ve accumulated over the years.
- Motor Legal Services: Aviva offers up to £100,000 in legal assistance to help recover compensation after a car accident where you were not at fault. This service covers you, your named drivers, and any passengers, providing crucial support during legal disputes.
- Courtesy Car: If your car is damaged, written off, or stolen, Aviva’s courtesy car option ensures that you remain mobile while your vehicle is being repaired or replaced.
- Extra Motor Injury Protection: This add-on raises the level of your cover in case of serious injury or death from a road accident, offering additional financial security in the event of a severe incident.
- European Use and Breakdown Cover: For those who travel frequently to the continent, Aviva offers European coverage, including EV breakdown cover, to ensure you’re protected while driving abroad. This service can be added to a comprehensive insurance policy, providing coverage for unexpected incidents in Europe.
How Aviva Car Insurance Stacks Up Against Competitors
When compared to other leading insurers like Admiral and Direct Line, Aviva holds its own with a solid range of EV cover options, strong ethical credentials, and a large customer base. Aviva’s specific focus on electric vehicle insurance, with tailored features like battery and charging equipment protection, out-of-charge recovery, and comprehensive recovery services, gives it an edge in the growing EV market.
Aviva’s telematics insurance through General Accident offers a competitive option for younger drivers looking to reduce their premiums based on safe driving behaviour.
How to Make a Claim with Aviva Car Insurance
If you need to make a claim with Aviva, the process is straightforward:
- Contact Aviva: Reach out as soon as possible after an incident, either online or via their 24/7 claims line at 0345 030 6925. Have your policy number ready.
- Confirm the Type of Claim: Specify whether the claim is related to an accident, theft, or another issue.
- Follow Aviva’s Guidance: Depending on the claim, Aviva will arrange for vehicle recovery, repairs, or manage third-party claims on your behalf.
Cancelling Aviva Car Insurance
If you need to cancel your Aviva car insurance, it’s easily done online:
- Within 14 Days: If within the cooling-off period and coverage hasn’t started, cancellation is free. If coverage has started, a £38 fee applies.
- After 14 Days: A cancellation fee of £38 applies.
Contacting Aviva
For any queries outside of making a claim or cancelling your policy, Aviva offers several contact options:
- Phone: 0345 030 6984 (available Monday to Friday, 8am to 8pm; Saturdays, 8.30am to 5pm; Sundays and bank holidays, 10am to 4pm).
- Email: [email protected]
- Address: Cruan Business Centre, Westerhill Business Park, 123 Westerhill Road, Bishopbriggs, Glasgow G64 2QR.
- Live Chat: Available between 8am and 6.30pm, subject to availability.
Aviva’s Commitment to Ethical Practices and Customer Service
Aviva’s long-standing commitment to ethical business practices is recognised by awards from The Good Shopping Guide and The Good Business Charter. Their focus on ethical conduct, combined with a five-star rating from Defaqto, demonstrates their dedication to providing high-quality insurance products and customer service.
Why Choose Aviva Electric Car Insurance?
Aviva’s electric car insurance offers a range of features specifically designed to meet the needs of EV owners. Their comprehensive battery and charging equipment coverage, combined with their Out of Charge recovery service, make them a strong choice for those looking to insure their electric vehicle. Aviva’s attention to the unique challenges of owning an EV, such as the risk of running out of charge and the importance of protecting expensive charging equipment, sets them apart from other insurers.
Additionally, Aviva’s commitment to customer convenience, as demonstrated by their vehicle recovery services, uninsured driver cover, and multicar discounts, ensures that EV owners receive well-rounded protection and support.
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John is the Editor and Spokesperson for Electric Car Guide.
With over 20 years of writing experience, he has written for titles such as City AM, FE News and NerdWallet.com, covering various automotive and personal finance topics.
John’s market commentary has been covered by the likes of The Express, The Independent, Yahoo Finance and The Evening Standard.
