Extracted from source documents

Aviva Motor third-party liability (Motorcare)

Underwritten by Aviva Insurance Ireland DAC · Ireland

motor third-party liability 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

Breakdown rescue cover comes included as standard on Aviva car insurance policies, providing 24/7 roadside assistance.

Legal expenses cover, including access to a legal advice helpline, is included as standard, underwritten by ARAG.

An optional Protected No Claims Discount lets policyholders make up to two unlimited claims in a three-year period without affecting their no-claims discount.

New customers who buy their car insurance online with Aviva receive a 15% discount.

Policyholders with five years of claims-free driving in their own name can get up to 50% off their policy.

Coverage limits

Liability limit (covers injury + property damage)

One combined sum for both bodily injury and property damage, not two separate limits.

Third Party Fire & TheftComprehensive
Covered

Legal defence and motor legal expenses cover

Covered

Included as standard, providing solicitors' fees for representation at a coroner's inquest or district court defence, defence costs against dangerous-driving charges, and other legal costs and expenses in defending bodily injury or property damage claims arising from the car; also includes a motor legal expenses benefit underwritten by ARAG Legal Protection Limited with a legal advice helpline. No separate monetary limit is stated for this benefit in the reviewed sources.

Page 18

Section: Section 2 – Liability to third parties > B Legal costs

All other legal costs and expenses which are run up in defending any claim for bodily injury or damage to property arising as the result of an accident caused by or connected to the car and for which the insured person may be legally liable.

Covered

Green Card / international motor insurance card

Covered

Aviva provides a Green Card free of charge on request; policyholders are asked to contact Aviva at least one week before travelling. Endorsement PC69 automatically extends full policy cover within the EU for 31 days in any period of insurance.

Page 2

Section: Special notes > Using your car abroad

If you need a Green Card, we will give you one free of charge. Please contact us at least one week before your journey.

Covered

Breakdown Rescue

Covered

The IPID lists Breakdown Rescue as a benefit included under Third Party, Fire and Theft cover (not on the optional covers/extra list), providing roadside and driveway assistance, towing, and related benefits (finishing the journey, theft of car, EV out-of-charge recovery) within the 32 counties of Ireland, England, Scotland and Wales. The policy booklet notes that Section 6 applies 'if shown in the policy schedule'.

Page 1

Section: What is insured?

✓ Breakdown Rescue;

Optional

JourneyWise personal accident cover

€26K

Optional JourneyWise accident cover (Section 4, on the IPID's optional covers list) pays €26,000 for death, total and permanent loss of sight in one or both eyes, or loss of one or more limbs of the 'person insured' (the person named in the schedule as insured), plus €130 per day as a hospital in-patient up to 20 days, while in, getting into or out of the car, while a fare-paying passenger on public transport, or as a pedestrian.

Page 21

Section: Section 4 – JourneyWise accident cover

a Death €26,000 b Total and permanent loss of sight in one or both eyes €26,000 c Loss of one or more limbs €26,000 d For each complete day you or they spend as an inpatient in hospital for up to 20 days €130

Excluded

General passenger accident cover

Excluded

JourneyWise accident cover (Section 4) only benefits the specific 'person insured' named in the schedule, not other passengers generally; a separate small medical expenses benefit of up to €200 per occupant exists under Section 3(A) but only under Comprehensive cover, and is not a lump-sum accident benefit for passengers.

Page 6

Section: Definitions

Person insured (section 4) The person named in the schedule as being insured.

Key conditions

Driver restrictions

Any person driving under the certificate must hold a licence to drive that 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 endorsements (PC1-PC4) can require a full EU/UK licence for all drivers and/or restrict cover to drivers aged 25-70, with named-driver exceptions.

Claim notification deadline

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

Bonus-malus rules

A no-claims discount accrues at 10% per claims-free year up to a maximum of 50% after five years, calculated separately per insured vehicle and non-transferable to another person. Paying a claim reduces the discount to 0% at the next renewal, unless the optional Protected No Claims Discount (PC302/PC302A, allowing up to two unlimited claims in a three-year period without loss of discount, excluding fire, theft and windscreen claims) or step-back cover (PC208, tiered reduction rather than reset to 0%) has been purchased for an extra premium.

Territorial scope

Cover applies to events occurring in the Republic of Ireland, Northern Ireland, Great Britain, the Isle of Man or the Channel Islands during the period of insurance; the policy is automatically extended to give full EU cover for 31 days in any period of insurance under endorsement PC69

Documents

MotorCare Policy Booklet (opens in a new tab)

Terms & conditions · PDF

Private Motor Insurance Product Information Document (IPID) (opens in a new tab)

Product information sheet · PDF

Policy specifics

Fire brigade charges

Coverage for charges incurred when fire brigade attends to extinguish fire on the insured vehicle; maximum limit €1,000 for Aviva Third Party Fire & Theft policies

SourcePage 8

Section: Fire brigade charges

We will pay for charges made by a fire authority under the Fire Services Act 1981 to: • control or put out a fire in your car (in circumstances which have given rise to a valid claim under your policy); and • remove the driver or passengers from the car using cutting equipment. The most we will pay is €1,000.

Breakdown rescue cover

Included as standard on all Aviva Third Party, Fire & Theft policies. Provides 24/7 breakdown rescue anywhere in Ireland or the United Kingdom with roadside assistance and towing to nearest garage

Source

Section: What’s included with Aviva car insurance? > Included with every plan

24/7 Breakdown rescue Get help when you break down with access to our 24/7 breakdown rescue helpline.

Personal belongings cover

Up to €500 covered for loss or damage to personal belongings in the vehicle as a result of fire, accident or theft; available as optional extra for Third Party, Fire & Theft policies

SourcePage 30

Section: Section 7 – Personal belongings

We will pay up to €500 for any one event for any loss of or damage to personal belongings in the car caused by fire, accident or theft.

Windscreen repair and replacement cover

Not included as standard for Third Party, Fire & Theft policies. Available as optional extra with limit of €225 if non-approved repairer completes work; unlimited if using Aviva aligned windscreen repairers

Source

Got a Third Party, Fire and Theft policy? You can get this benefit for an extra premium. A limit of €225 applies if a non-approved repairer completes the work.

Motor legal expenses cover

Available as standard on Third Party, Fire & Theft policies. Provides access to legal advice helpline and covers legal costs for matters connected to motor claims. Underwritten by ARAG Legal Protection Limited

Source

You can access the strictly confidential legal advice helpline on 0818 253 065 . Cover is underwritten by ARAG Legal Protection Limited, Europa House, Harcourt Centre, Harcourt Street, Dublin 2, D02 WR20.

Driving other cars (driving other cars section)

Third Party cover available for driving other people's cars if you hold a full, valid EU or UK driving licence. Subject to certain conditions and restrictions outlined in policy schedule. Full details in MotorCare policy booklet Section 2(D)

Source

You, as policyholder, can get third party cover to drive other people’s cars if you have a full, current EU or UK driving licence. Some restrictions apply, check your MotorCare policy booklet for details.

Protected No Claims Discount

Optional cover available for Third Party, Fire & Theft policies. Allows policyholders to make up to two unlimited claims in a three-year period for fire, theft, or windscreen damage without affecting No Claims Discount

Source

Section: What’s included with Aviva car insurance? > Optional extras

Protect your No Claims Discount Allows you to make up to two unlimited claims within a three-year period without those claims reducing your No Claims Discount.

Excess/Deductible structure

Standard excess is €300 for own damage claims. No excess applicable for third party, fire, theft or windscreen claims under Third Party, Fire & Theft policies

Source

Section: Significant Features of our Car Insurance Product > Excess

The standard amount you will have to pay towards any own damage claim (excess) is €300. No excess for third party, fire, theft or windscreen claims.

New car replacement guarantee

Applicable to theft only for Third Party, Fire & Theft policies (the damaged-in-a-single-incident trigger requires comprehensive cover). Aviva will replace the vehicle with a new car of the same make and model if: original and only owner from new, within 12 months of first registration, vehicle stolen and not recovered (for Third Party, Fire & Theft) or, with comprehensive cover, lost or damaged in a single incident with repair cost exceeding 50% of current list price when new

SourcePage 1

Section: What is insured?

New Car replacement – if your car is less than a year old when it is stolen (and not recovered) or if you have comprehensive cover and your car is damaged (in a single incident) and the cost of damages is more than 50% of the value of the car when new;

Sources

Aviva Motor third-party liability

Get a quote from Aviva(opens in a new tab)Compare Motor third-party liability insurers in Ireland
Get a quote from Aviva(opens in a new tab)