Aviva Car Insurance Canada Quote, Review 2024
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Discover the methodologyCar insurance is mandatory in Canada, and driving without coverage is not only illegal but can also result in significant financial consequences.
That's why it's crucial to choose a credible insurance provider that you can trust. Aviva Car Insurance offered by Aviva Canada, which has been offering reliable coverage for Canadians for over 100 years, could be an option to consider.
In this Aviva Car Insurance review, we cover everything from coverage options, pros, cons, discounts, and how you can save on your premiums with Aviva. Use our free tool to compare personalized quotes from Aviva and other top providers right here.
Aviva Car Insurance Canada: Key Takeaways
- Over 100 years of experience in the Canadian market.
- Aviva covers a wide range, including specific plans for Lyft drivers in Ontario.
- Offers discounts for bundling policies, safe driving, and electric vehicles.
- Policies can be customized, allowing policyholders to pay only for needed coverage.
- Provides continuous 24*7 claims support, ensuring help is always available.
Our review of Aviva Car Insurance: Affordable coverage from a reputed provider
Aviva Car Insurance shines as a top pick for those seeking dependable and comprehensive coverage in Canada, with a rich history of over 100 years in the insurance industry.
It's particularly beneficial for Canadians who prefer straightforward coverage, eco-conscious drivers, offering attractive discounts for electric and hybrid vehicle owners, and providing essential coverage for Lyft drivers in Ontario through its specialized commercial policy.
The insurance is well-suited for individuals and families looking for customizable policies and those who appreciate the convenience of 24/7 claims support. However, it may not be the ideal choice for those seeking the simplicity of direct online quotes from the company or the modern convenience of a dedicated car insurance app.
If you think Aviva could be the right choice for you, get a free personalized Aviva car insurance quote right here.
Pros
- Affordable Premium Option
- Save by bundling car and home insurance
- Lyft ride-sharing insurance
- Financial Health-enabling innovation
- Customizable policy
- 24/7 claim service and support through Aviva Car Insurance Phone Number
- Good discounts for electric vehicles
Cons
- No app for car insurance
- No direct online quote through the Aviva website
You must compare multiple providers before buying a car insurance policy. Use our free tool below to compare quotes from Canada's best car insurance companies and find out the best deals tailormade for you.
Compare Canada's best car insurance plans
Who owns Aviva Car Insurance?
Aviva Car Insurance is offered by Aviva Canada, a subsidiary of the UK-based Aviva plc with roots dating back to 1696. Aviva Canada is a leading property and casualty insurance group, offering a wide range of insurance products, including auto, business, and home insurance.
With over 100 years of experience in the Canadian market, Aviva serves nearly three million customers across the country. The company's growth through mergers and acquisitions led to its rebranding as Aviva Insurance Company of Canada in May 2003.
What does Aviva Car Insurance cover?
Aviva Car Insurance has some mandatory and optional coverage, depending on what you are looking for. Here are some of the car insurance coverage Aviva provides:
Standard Coverage:
- Injury, damage, or death caused by an automobile accident
- Healthcare cost and loss of income for the insured and their families
Optional Coverage:
- Ride-sharing
- Coverage for Transportation Placement: This coverage helps pay for alternative transportation, like a rental car if a covered incident leaves you without your vehicle.
- Conviction Protector: Keep your car insurance costs from going up for small traffic violations, like not following traffic signs or making illegal turns.
- Collision Protection
- Comprehensive coverage including theft, vandalism, and falling objects
- Disappearing deductible: Add this feature to your car insurance, and for each year you don't file a claim, Aviva will lower your deductible.
- Accident rating waiver: This will keep your driving record from being impacted by your first accident where you're at fault.
Aviva covers ride-sharing
Something interesting to know is that, unlike several other providers, Aviva covers Lyft drivers. When you're driving for Lyft in Ontario, you have the reassurance of comprehensive coverage through a dedicated commercial insurance policy provided by Aviva. This policy is specifically designed to cover Lyft drivers during all phases of their ridesharing activities.
From the instant you toggle your availability on the Lyft app to signal you're ready to accept passengers, throughout the entire duration of the ride, until the very moment your passengers disembark from your vehicle, you are fully protected. This means that during any trip you accept through Lyft, both you and your passengers are covered, ensuring a safer and more secure ridesharing experience for everyone involved.
How much does Aviva Car Insurance cost?
Car insurance premiums are based on several factors like age, gender, location, vehicle type, driving history, driving activity, insurance coverage, and applicable discounts. It is therefore difficult to give an exact number that fits everyone.
It is therefore recommended to get personalized quotes to get the exact premium and coverage. You can do that right here using our free tool below.
Compare Aviva car insurance quotes and multiple other top Canadian companies to get the best price using our comparator. It's free to use and gives you tailormade results based on your unique needs in a few moments.
Compare Canada's best car insurance plans
However, here are typical car insurance premiums across Canadian provinces.
| Province | Average Annual Premium |
|---|---|
| Quebec | $717 |
| Prince Edward Island | $861 |
| New Brunswick | $867 |
| Nova Scotia | $891 |
| Manitoba | $1,140 |
| Saskatchewan | $1,235 |
| Newfoundland & Labrador | $1,168 |
| Alberta | $1,316 |
| Ontario | $1,528 |
| British Columbia | $1,832 |
How to get an Aviva Car Insurance quote?
You can get Aviva car insurance quotes by clicking the button below. You simply need to answer basic questions including your details like name, age, and location, followed by details of your vehicle. The whole process takes less than five minutes.
It is, however, important to compare quotes from multiple providers before zeroing in on one. You can do that right here using our free tool below. Get personalized car insurance quotes from Canada's best providers and compare them to get the best deals right here.
Save on car insurance
How can you save with Aviva Car Insurance?
Aviva offers interesting offers and eco-friendly options to save on your car insurance premiums. Here's how:
- Bundle car and home insurance for up to 15% discounts. (Your broker will share the exact amount)
- Drive safely with Aviva Journey (Ontario only) to earn rewards for safe driving habits.
- Save with electric vehicle discounts—up to 10% off for insuring an EV and 5% for a hybrid*, with availability and start dates varying by region.
- Get complementary towing if your EV battery dies on the road*.
- Receive a $2,000 subsidy towards a new EV if you're replacing a vehicle deemed a total loss on your Aviva policy*.
- 15% discount if your vehicle has an Automatic Emergency Brake system
- 20% off on multiple-vehicle insurance
- 15% discount if you avoid driving convictions for 3 years
- Being a retiree gets you additional discounts as well
Additional benefits of bundling policies
- Aligned policy renewal: When you combine your policies with Aviva Canada, you not only receive a discount but also the convenience of having aligned effective dates, meaning all your policies will renew on the same date.
- Enhanced Protection with Excess Liability Coverage: Enjoy an extra layer of security with an additional $1 million in Excess Liability coverage, giving you greater peace of mind.
- Simplified Claims with a Single Deductible: In the event a single claim impacts more than one of your policies, you'll only need to meet one deductible, streamlining the process and potentially saving you money.
How to cancel your Aviva Car Insurance policy?
If you need to cancel your Aviva car insurance policy, you can do so by getting in touch with your broker. As discussed earlier in this article, you may have to provide some policy information to your broker, such as your name, policy number, and reason for cancellation.
Depending on your circumstances and policy terms, your broker will guide you through the steps. If you have any concerns or questions about the cancellation process, don't hesitate to ask your broker for assistance or clarification.
How to contact Aviva Car Insurance?
Aviva has a series of contact details that you can reach for various queries. You can find the list below:
| Requirements | Contact Details |
|---|---|
| Claims | 1-866-692-8482 (1-866-MYAVIVA) |
| Billing inquiries | Call 1-800-360-5009, option 1 |
| General inquiries | Call 1-800-387-4518 or TTY 1-800-855-0511 |
FAQs about Aviva Canada auto insurance
Is there an Aviva car insurance cancellation fee?
If you decide to cancel your Aviva car insurance policy before its term ends, you may be subject to a cancellation fee. The exact amount of this fee can vary, so it's best to contact Aviva directly or review your policy details for specific information regarding cancellation charges.
When cancelling your Aviva Car Insurance policy, ensure you secure your new policy before ending your current one to avoid any illegal uninsured periods. Inform your new provider of your previous policy's expiration date, and notify your lender if you have a car loan or lease.
Remember, different provinces may require varying levels of insurance coverage, so it's crucial to have your proof of insurance ready for vehicle registration.
How to pay your Aviva premium online?
If you prefer to pay your Aviva car insurance premium online, you simply go to the "Make a Payment" page on the company website. Once you're on the payment page, you'll need to provide some basic information to complete the transaction. This typically includes:
- Account Number for electric payment
- Name
- Amount
The section will look something like this:
Once you've entered all the required information, double-check the details to make sure they're accurate and up-to-date. Then, select your preferred payment method from the available options, which may include credit card, debit card, bank transfer, or PayPal
Follow the prompts to complete the payment process, and wait for the confirmation screen or email to confirm that your payment has been processed successfully.
How to change the address on your policy?
If you have changed your address or you are about to move, you can update it on your MyAviva account. Just use your Aviva car insurance login and access your account here to make any modifications.
Alternatively, call the Aviva car insurance phone number 1-855-788-9090 between 8:00 am and 8:00 pm EST.
You can also request that Aviva car insurance customer service call you using its online form:
