When it comes to insuring your vehicle, it’s essential to choose a policy that provides comprehensive coverage. Aviva is one of the leading insurance providers in the UK, offering a range of policies to suit different needs and budgets. In this article, we’ll delve into the details of Aviva’s comprehensive car insurance cover, exploring what it covers, what it doesn’t, and what you can expect from this policy.
What is Comprehensive Car Insurance?
Comprehensive car insurance is a type of insurance policy that covers your vehicle against damage or loss from any cause, except for a few specific exclusions. This policy provides financial protection against accidents, theft, vandalism, fire, flood, and other unexpected events that may occur. Comprehensive insurance is often considered the most comprehensive type of car insurance, as it provides a wider range of coverages compared to third-party or third-party fire and theft policies.
What Does Aviva Comprehensive Car Insurance Cover?
Aviva’s comprehensive car insurance policy provides a range of coverages to protect your vehicle and its occupants. Here are some of the key features and benefits:
Accidental Damage
Aviva’s comprehensive car insurance policy covers accidental damage to your vehicle, including damage caused by:
- Accidents involving other vehicles or pedestrians
- Collisions with animals or other objects
- Fire or explosion
- Flood or storm damage
- Malicious damage or vandalism
Theft and Attempted Theft
Aviva’s comprehensive car insurance policy also covers theft and attempted theft of your vehicle, including:
- Theft of your vehicle
- Attempted theft of your vehicle
- Theft of parts or accessories from your vehicle
Weather-Related Events
Aviva’s comprehensive car insurance policy covers damage caused by weather-related events, including:
- Storm damage
- Flood damage
- Hail damage
- Lightning strike damage
Other Events
Aviva’s comprehensive car insurance policy also covers damage caused by other events, including:
- Earthquake damage
- Subsidence damage
- Tree branch damage
- Wildlife damage
What is Not Covered by Aviva Comprehensive Car Insurance?
While Aviva’s comprehensive car insurance policy provides a wide range of coverages, there are some exclusions and limitations to be aware of. Here are some of the key things that are not covered: (See Also: What Is Third Party Coverage in Car Insurance? Explained)
Exclusions
Aviva’s comprehensive car insurance policy excludes coverage for damage caused by:
- Intentional damage or vandalism by the policyholder or their family members
- Damage caused by driving under the influence of alcohol or drugs
- Damage caused by racing or competitive driving
- Damage caused by driving without a valid license or insurance
- Damage caused by driving on a road that is not open to the public
Limitations
Aviva’s comprehensive car insurance policy also has some limitations, including:
- A maximum limit on the amount of coverage for certain types of damage
- A deductible that must be paid before coverage kicks in
- A requirement to pay for repairs or replacements out of pocket if the damage is minor
How to Make a Claim with Aviva Comprehensive Car Insurance
If you need to make a claim with Aviva’s comprehensive car insurance policy, here are the steps to follow:
Step 1: Report the Incident
Report the incident to the police and obtain a crime reference number if the damage was caused by theft or vandalism.
Step 2: Contact Aviva
Contact Aviva’s 24-hour claims helpline to report the incident and provide details of what happened.
Step 3: Provide Evidence
Provide evidence of the incident, including:
- Photographs of the damage
- Witness statements
- Police reports
- Repair estimates
Step 4: Get Your Vehicle Repaired
Get your vehicle repaired at an approved repairer or at a repairer of your choice. Make sure to get a written estimate of the repairs and keep a record of the work done. (See Also: When Can I Renew My Car Insurance? Don’t Miss The Deadline)
Step 5: Receive Your Settlement
Aviva will assess your claim and provide a settlement based on the extent of the damage and the policy limits. You may need to pay a deductible or excess before the settlement is paid.
Conclusion
Aviva’s comprehensive car insurance policy provides a wide range of coverages to protect your vehicle and its occupants. By understanding what is covered and what is not, you can make an informed decision about whether this policy is right for you. Remember to always read the policy documents carefully and ask questions if you’re unsure about anything.
Frequently Asked Questions
What is the excess on Aviva’s comprehensive car insurance policy?
The excess on Aviva’s comprehensive car insurance policy varies depending on the policyholder’s age, driving history, and other factors. The standard excess is £200, but this can be increased or decreased depending on the policyholder’s needs and preferences.
Can I customize my Aviva comprehensive car insurance policy?
Yes, Aviva’s comprehensive car insurance policy can be customized to suit your specific needs and preferences. You can choose from a range of optional extras, including cover for things like windscreen damage, audio equipment, and personal effects.
How do I make a claim with Aviva’s comprehensive car insurance policy?
To make a claim with Aviva’s comprehensive car insurance policy, you’ll need to report the incident to the police and obtain a crime reference number if the damage was caused by theft or vandalism. You’ll then need to contact Aviva’s 24-hour claims helpline and provide evidence of the incident, including photographs, witness statements, and repair estimates. (See Also: Is Car Insurance Necessary? The Legal & Financial Truth)
What is the claims process like with Aviva’s comprehensive car insurance policy?
The claims process with Aviva’s comprehensive car insurance policy is designed to be quick and easy. You’ll need to report the incident to the police and obtain a crime reference number if the damage was caused by theft or vandalism. You’ll then need to contact Aviva’s 24-hour claims helpline and provide evidence of the incident. Aviva will assess your claim and provide a settlement based on the extent of the damage and the policy limits.
Can I cancel my Aviva comprehensive car insurance policy?
Yes, you can cancel your Aviva comprehensive car insurance policy at any time. However, you may need to pay a cancellation fee, and you’ll need to return any policy documents and certificates to Aviva. You’ll also need to make sure you have alternative insurance coverage in place before canceling your policy.