Pending review

Aviva Casco (own-damage car insurance) (Motorcare)

Underwritten by Aviva Insurance Ireland DAC · Ireland

casco (own-damage car insurance) from Aviva for the Ireland market, with online purchase and 24/7 assistance.

Verified Aug 31, 2026 · Terms dated 2026-02Sources

Online purchase24/7 helpline

Unique selling points

Unlimited windscreen repair/replacement under Comprehensive cover when using Aviva's aligned windscreen repairers (€225 per event otherwise).

Free courtesy car for up to 7 days (10 days if the car is a write-off) through Aviva Motor Services, backed by a Guaranteed Repairs promise and a Cleaned Car Guarantee.

24-hour, 365-day Accident Line for all motor claims including windscreen damage claims.

Dedicated electric vehicle benefits: up to €600 for accidental damage to a home EV charging point plus EV out-of-charge roadside recovery.

New Car Replacement with a vehicle of the same make and model if the car is stolen and not recovered, or written off, within its first 12 months of registration.

Coverage limits

Covered

Loss of or damage to the car

Covered

Comprehensive cover pays for loss of or damage to the car caused by accidental means, fire, theft or attempted theft; Third Party, Fire and Theft cover pays only for loss or damage caused directly by fire, self-ignition, lightning, explosion, theft or attempted theft (accidental damage is excluded under this tier). Payment is capped at the current market value of the car at the time of loss; no separate monetary limit is stated.

Clause 4Page 15

Section: Section 1 – Loss of or damage to the car > Exclusions to section 1

loss or damage over the current market value of the car at the time of the loss;

Covered

Total loss / write-off settlement

Covered

If the car is a total loss, Aviva pays a cash amount not exceeding the current market value of the car at the time of loss. New Car Replacement (same make and model) applies instead if the original and only owner insures the car from new, the car is stolen and not recovered or damaged in a single accident within 12 months of first registration, and repair/replacement cost exceeds 50% of the current Republic of Ireland new list price.

Page 14

Section: Section 1 – Loss of or damage to the car > New car replacement

We will replace your car with a new car of the same make and model (if a car is available in the Republic of Ireland) if: • you are the original and only owner of your car from new; and • within 12 months of first registering your car, it is stolen and not recovered or is lost or damaged (in a single accident) and the cost of the repair, reinstatement or replacement is more than 50% of the current Republic of Ireland list price of the car when new.

Covered

Partial loss / repair of the car

Covered

Aviva may repair or replace the car or any part of it using a repair service of its choice, or pay a cash amount not exceeding the cost its repair service states it would cost to repair the car, subject to the same peril coverage as own damage (Comprehensive vs Third Party, Fire and Theft).

Page 14

Section: Section 1 – Loss of or damage to the car

We may at our sole discretion: • repair or replace the car or any part of it using a repair service of our choice; or • pay a cash amount for the loss or damage to the car, not exceeding the amount our repair service states it would cost to repair or replace your car.

Covered

Theft or attempted theft

Covered

Loss of or damage to the car caused directly by theft or attempted theft is covered under both Comprehensive and Third Party, Fire and Theft cover, capped at current market value; no payment is made where there are no signs of forced entry for related personal belongings claims.

Page 1

Section: What is insured? > Third party, fire and theft

Fire, theft or attempted theft – loss of or damage to the insured car caused by these events or self-ignition, lightning or explosion;

Conditional

Windscreen and window glass damage

unlimited

Endorsement PC71 extends cover to loss of or damage to windscreen or other car window glass (excluding sunroof/panoramic roof) and related bodywork scratching. There is no limit if Aviva's aligned windscreen repairers are used; a limit of €225 per event applies if any other repairer is used. Included as standard under Comprehensive; available only as an optional extra (extra premium payable) under Third Party, Fire and Theft.

Clause PC71Page 24

Section: Section 5 – Endorsements > PC71 Windscreen damage

If you use our aligned windscreen repairers (phone: 1800 147 147 for our current list of aligned repairers) for the replacement or repair, there is no limit. If you use any other windscreen repairer, there is a limit of €225 for any single event.

Covered

Natural perils (fire, lightning, explosion, etc.)

Covered

Fire, self-ignition, lightning and explosion are named perils covered under both tiers as part of Section 1. Other natural events (e.g. storm/flood damage) fall under the broader 'accidental means' wording, which is only covered under Comprehensive cover; there is no separate named natural-perils limit.

Page 7

Section: Insurance provided (see your policy schedule)

third party, fire and theft - 1 (applies only for loss or damage to your car caused directly by fire, self-ignition, lightning, explosion, theft or attempted theft).

Covered

Malicious damage / vandalism

Covered

Malicious damage to the car is not separately named under Section 1 but falls within the broad 'accidental means' cover under Comprehensive policies; it is also explicitly listed as a covered breakdown trigger under Section 6 (Breakdown Rescue). Not covered as own-damage under Third Party, Fire and Theft cover.

Page 27

Section: Section 6 – Breakdown Rescue

Mechanical breakdown, fire, theft or attempted theft, malicious damage, punctures that need help to fix or to replace a wheel, lost keys, stolen keys and keys broken in the lock or locked in the car.

Covered

Breakdown Rescue

Covered

Included as standard (per IPID 'What is insured' and marketing materials). Covers mechanical breakdown, fire, theft or attempted theft, malicious damage, punctures needing help, and lost/stolen/broken keys, with up to one hour's free roadside labour, towing to the nearest garage or the policyholder's own garage, 'finishing the journey' benefits, and electric vehicle out-of-charge recovery. Cover applies in the 32 counties of Ireland and in England, Scotland and Wales, but does not apply when the car is used abroad.

Clause 1Page 27

Section: Section 6 – Breakdown Rescue > 1 Roadside and driveway assistance

We will send a competent repairer to help you at the scene. If your vehicle can be repaired immediately, we will provide up to one hour's free labour.

Conditional

Courtesy / replacement car

Conditional

A free courtesy car is provided for up to 7 days while the car is being repaired following a claim (up to 10 days if the car is a write-off), but only if an Aviva Motor Services approved repairer is used; no courtesy car is provided otherwise. Separate replacement-car benefits of up to 48 hours also apply under Breakdown Rescue 'finishing the journey' and up to 5 days if the car is stolen and not recovered within 24 hours.

Page 2

Section: Are there any restrictions on cover?

In the event of loss of or damage to your car, which results in a claim under your policy, we do not provide a courtesy car unless you use Aviva Motor Services;

Optional

JourneyWise accident cover

€26K

Optional personal accident cover (extra premium payable, and must be shown in the policy schedule to apply) paying €26,000 for death, total and permanent loss of sight in one or both eyes, or loss of one or more limbs, plus €130 per complete day as a hospital inpatient up to 20 days (max €2,600). Applies while in/getting into/out of a private car, as a fare-paying passenger in public transport, or as a pedestrian involved with a road vehicle, train or aircraft.

Page 21

Section: Section 4 – JourneyWise accident cover

For each complete day you or they spend as an inpatient in hospital for up to 20 days €130

Key conditions

Driver age and experience limit

Any driver must hold a valid licence to drive the vehicle and comply with any restrictions, conditions or limits on that licence; learner permit holders must be accompanied at all times by a full licence holder. Optional 'Open Driving' endorsements (PC3/PC4) can restrict cover to drivers aged 25-70 holding a full EU or UK licence, or extend to named provisional licence holders.

Repair network requirements

Aviva Motor Services is Aviva's nationwide panel of approved garages; using this panel provides a free courtesy car (7 days, or 10 days if the car is a write-off), tow-in service, guaranteed repairs for as long as the car remains registered in the policyholder's name, and a Cleaned Car Guarantee. Windscreen repair/replacement is unlimited only when using Aviva's aligned windscreen repairers; other repairers are capped at €225.

Anti-theft requirements

The policyholder must take all reasonable steps to prevent loss or damage: the car must not be left unlocked or unattended with keys in the ignition or in the car, and windows or the sunroof must not be left open. Personal belongings must be placed in the locked boot, glove box or a closed storage compartment when the car is unattended; theft claims for personal belongings and child equipment are not paid if there are no signs of forced entry.

Claim notification deadline

The policyholder or any covered person must let Aviva know immediately about any event which may give rise to a claim, with all relevant details, and immediately if they become aware of any prosecution or inquest connected with the event.

Deductible rules

The standard excess is €300 for comprehensive cover; policyholders can choose to increase (e.g. to €600 for a 5% premium discount) or decrease this amount. An additional excess of €2,500 applies if the policyholder fails to disclose that an insured driver has received penalty points. Under optional endorsement PC76, choosing not to use an Aviva aligned repairer for accidental damage, fire or theft claims triggers a first €1,000 excess.

Direct payment

Aviva may at its sole discretion repair or replace the car (or any part of it) using a repair service of its choice, or pay a cash amount not exceeding the cost its repair service states it would cost to repair or replace the car. If the car is covered by a hire-purchase or contract-hire agreement, any claim payment is made directly to the owner named in that agreement.

Territorial scope

Cover applies to events in the Republic of Ireland, Northern Ireland, Great Britain, the Isle of Man or the Channel Islands during the period of insurance, with an automatic extension of identical cover within the EU for up to 31 days in any period of insurance.

Documents

MotorCare Policy Booklet - Important Information (opens in a new tab)

Terms & conditions · PDF

MotorCare Insurance Product Information Document (opens in a new tab)

Product information sheet · PDF

Policy specifics

Windscreen cover

Repair or replacement of windscreen/windows with unlimited cover when using Aviva's aligned windscreen repairers; covered up to €225 for non-approved repairers

Source

Section: Windscreen Damage Cover

Cracked windscreen? If you use one of Aviva's aligned windscreen repairers you get unlimited windscreen cover with your Comprehensive policy. A limit of €225 applies if a non-approved repairer completes the work.

Personal belongings cover

Covers loss or damage to personal items inside vehicle up to €500; radio/audio equipment protected up to €650 or 5% of vehicle value, whichever is less

Source

Section: What’s covered as standard with our comprehensive policy?

Your personal belongings inside the car are covered up to €500, while radio or audio equipment is protected up to €650 or 5% of the vehicle’s value, whichever is less.

Medical expenses cover

Pays up to €200 per person for accidental bodily injury in direct connection with the car

Source

Section: What’s covered as standard with our comprehensive policy?

For medical expenses, Aviva will pay up to €200 per person if you or anyone in your car (including the driver) is accidentally injured in direct connection with the car helping to ease the financial impact during recovery.

Breakdown rescue cover

24/7 roadside assistance anywhere in Ireland and the United Kingdom; one hour roadside or home start assistance and towing to nearest garage

Source

Section: Breakdown Rescue Cover

Breakdowns happen but if they happen to you, Aviva car insurance benefits cover breakdown rescue anywhere in Ireland or the United Kingdom for;

Replacement locks cover

Covers cost to replace affected locks, transmitters, central locking interface and affected alarm parts if ignition keys are lost or stolen

SourcePage 8

Section: Replacement lock cover

If the vehicle keys or lock transmitter of your vehicle is lost or stolen, we will pay for the cost of replacing: 1 the door locks and boot lock; 2 the ignition steering lock; and 3 the lock transmitter and central-locking interface.

New car replacement

Aviva will replace car with new vehicle of same make and model if: original and only owner from new, within 12 months of first registration, stolen and not recovered or lost/damaged in single accident where repair cost exceeds 50% of current list price when new

Source

Section: Frequently asked questions > Understanding comprehensive car insurance

Yes, Aviva will replace your car with a new car of the same make and model, if you are the original and only owner of your car from new; and within 12 months of first registering your car, it is stolen and not recovered or is lost or damaged (in a single accident) and the cost of the repair, reinstatement or replacement is more than 50% of the current list price of the car when new.

Towing cover

Vehicle towed to nearest repairer or policyholder's own garage (whichever is closer) following breakdown or insured loss

Source

Section: What’s covered as standard with our comprehensive policy?

With a comprehensive insurance policy from Aviva, you can avail of towing cover so if your car breaks down and can’t be driven, we’ll have it towed to the nearest repairer or to your own garage, whichever is closer.

Legal expenses cover

Access to legal advice helpline for personal legal matters and motoring prosecution defence

Source

Section: Legal expenses cover

All Aviva car insurance customers will have personal legal expenses cover providing you with access to a legal advice helpline you can use to get advice on any personal legal matter, appoint legal advisor if you need to defend a motoring prosecution.

EU coverage

Automatic extension for identical cover in EU for up to 31 days during period of insurance

Source

Section: Car insurance FAQs > Information about motor insurance costs, cover, driving and claims.

Yes. Aviva automatically extends your existing car insurance cover for travel within EU member states for up to 31 days.

Driving other cars (Third party cover)

Policyholder may be insured to drive other people's cars with third-party cover only if holding full valid EU or UK driving licence

Source

Section: Frequently asked questions > Understanding comprehensive car insurance

As the policyholder, you may be insured to drive other people’s cars with third‑party cover only, as long as you hold a full, valid EU or UK driving licence.

Courtesy car

Free courtesy car provided for up to seven days when vehicle being repaired by Aviva Motor Services repairer following loss or damage claim

Source

Section: Courtesy Car

Aviva will provide you with a courtesy car for up to seven days when yours is being repaired by an Aviva Motor Services repairer in the event of loss or damage caused resulting in a claim under your policy.

Standard excess

€300 standard excess for comprehensive policy

Source

Geographical limits

Coverage provided for events in Republic of Ireland, Northern Ireland, Great Britain, Isle of Man or Channel Islands during period of insurance

SourcePage 7

Section: Geographical limits

We will provide insurance as set out in this policy for events which may happen in the Republic of Ireland, Northern Ireland, Great Britain, the Isle of Man or the Channel Islands during any period of insurance.

Windscreen repairer network restriction

Unlimited windscreen cover only applies when using Aviva's aligned windscreen repairers; non-approved repairers limited to €225

Source

Section: Windscreen Damage Cover

Cracked windscreen? If you use one of Aviva's aligned windscreen repairers you get unlimited windscreen cover with your Comprehensive policy. A limit of €225 applies if a non-approved repairer completes the work.

Fraud condition

Loss of all benefits under policy if any claim is fraudulent in any way or if policyholder or anyone acting on their behalf uses any type of fraud relating to this or any other insurance policy

SourcePage 2

Section: Are there any restrictions on cover?

You will lose all benefits under this policy if any claim is fraudulent in any way or if you or anyone acting on your behalf has used any type of fraud relating to this or any other insurance policy.

Policy cancellation

Policyholder may cancel at any time by notifying and returning certificate of motor insurance and windscreen disc; insurer may cancel with 10 days' notice by post to last known address

SourcePage 2

Section: How do I cancel the contract?

You may cancel this policy at any time by notifying and returning your certificate of motor insurance and windscreen disc to us.

Protected No Claims Discount (optional)

Optional cover allowing up to two unlimited claims in three-year period without affecting No Claims Discount; Step-back protection keeps part of discount even with single claim

SourceClause PC302Page 25

Section: Section 5 – Endorsements > PC302 Optional Protected no-claim discount with step-back

You may make up to two unlimited claims in a three-year period without losing your no-claim discount. We will not take account of claims for windscreen breakage or fire or theft for the purposes of this endorsement. For subsequent claims, no-claim discount step-back applies (PC208).

Accidental damage coverage

Comprehensive cover includes accidental damage to own vehicle regardless of fault

Source

Section: Compare our car insurance policies

Covers accidental damage to your own car, regardless of fault.

Sources

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