Aviva Insurance Ireland Designated Activity Company
Aviva
Aviva is a motor third-party liability insurance for the Ireland market with online purchase and 24/7 assistance.
Direct payment
Where a car is subject to a hire-purchase or contract-hire agreement, Aviva pays claims directly to the owner named in the agreement; for personal belongings claims Aviva may, if asked, pay the owner of the property directly.
Geographic scope
Republic of Ireland, Northern Ireland, Great Britain, the Isle of Man and the Channel Islands, with EU-wide cover for up to 31 days per period of insurance
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
Starting price
€310
Indicative — pricing assumptions not stated
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
Death or bodily injury liability to third parties
unlimited
Aviva pays the full amount an insured person may become legally liable to pay for the death of or bodily injury to another person arising from an accident caused by or in connection with the insured car; the IPID and policy booklet state no monetary cap applies to this element, in contrast to the stated €30,000,000 property damage limit.
Property damage liability to third parties
€30,000,000
Aviva pays up to €30,000,000 including costs and expenses for damage to property which an insured person may become legally liable to pay as a result of an accident caused by or in connection with the insured car.
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.
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.
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'.
JourneyWise personal accident cover
€26,000
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.
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.
Key conditions
Territorial scope
The policy covers events occurring in the Republic of Ireland, Northern Ireland, Great Britain, the Isle of Man or the Channel Islands during the period of insurance; cover is automatically extended to the EU for 31 days in any period of insurance.
Green card rules
A Green Card is issued free of charge on request; the policyholder must contact Aviva at least one week before their journey. Foreign use terms are set out under endorsement PC69, which also covers customs duty or a Spanish Bail Bond incurred as a result of an insured claim abroad.
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.
Where to buy
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
SourceBreakdown 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
SourcePersonal belongings cover
Up to €150 (or €500 in some sources) 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
SourceWindscreen 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
SourceMotor 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
SourceDriving 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)
SourceProtected 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
SourceExcess/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
SourceNew car replacement guarantee
Applicable to fire and theft damage only for Third Party, Fire & Theft policies. Aviva will replace vehicle with new car of same make and model if: original and only owner from new, within 12 months of first registration, vehicle stolen and not recovered or damaged in single accident with repair cost exceeding 50% of current list price when new
SourceSources
- https://www.aviva.ie/insurance/car-insurance/
- https://www.aviva.ie/insurance/car-insurance/benefits/
- https://www.aviva.ie/insurance/car-insurance/faqs/claims/
- https://www.aviva.ie/insurance/car-insurance/level-of-cover/
- https://www.aviva.ie/insurance/car-insurance/third-party-fire-theft-insurance/
- https://www.cornmarket.ie/mycornmarket/aviva-car-insurance-benefits/