Aviva Zero Car Insurance Review: Full Analysis
If you want car insurance that matches your eco credentials Aviva Zero is worth a look. This policy offsets at least 1,000 miles of carbon emissions a year. It’s a great option if you want to reduce your carbon footprint without changing your driving habits.
Many customers have reviewed Aviva Zero online and shared their thoughts on the pros and cons. The digital only approach makes managing your policy easy but some have had issues with certain clauses eg rental car agreements.
Knowing the pros and cons, claims process and customer service from Aviva Zero is key. Reading a full review will help you make an informed decision and ensure this policy is right for you.
Aviva Zero Car Insurance
Aviva Zero Car Insurance carbon focused policy with comprehensive cover. Zero deductible on certain claims and an initiative to offset carbon emissions from driving and charging your aviva car insurance.
Aviva Zero
Aviva Zero is a type of used car insurance cover that focuses on carbon reduction. Launched in early 2022 it initially offset 100% of the carbon emissions from driving and charging vehicles. As of June 2023 Aviva Zero will offset at least 1,000 miles of CO2 emissions per customer per year.
This policy has a 5 star Defaqto rating so it’s high quality cover. Aviva car insurance can be managed online so it’s convenient and flexible. You can also find Aviva Zero on price comparison sites and websites so you can compare with other insurance options. It’s for environmentally aware drivers looking for comprehensive cover.
What is Zero Deductible?
Zero deductible means you won’t have to have insurance premiums or pay anything out of pocket for certain claims covered under your policy. With Aviva Zero this could include no fault accidents or certain damage claims.
For example courtesy car alone if your car gets minor damage like dents or chips you won’t have to pay a deductible. But if you opt for Aviva rental car be aware of charges from third parties. Sometimes these other party rental companies will list high fees for damage unless you buy short term cover.
The zero deductible is great if you want to avoid surprise costs after a very serious injury or car accident. It gives you peace of mind and financial certainty so you can manage your car costs.
Aviva Zero Features
Aviva Zero is a carbon focused car insurance option. It has benefits to reduce environmental impact and flexible options to cover your driving needs.
Covered Events
Aviva Zero covers full breakdown cover for a wide range of events. These include accidents, theft, fire and vandalism. If you have an accident Aviva Zero will repair your car. The programme also includes roadside assistance if your car breaks down.
For extra peace of mind Aviva Zero also covers legal liability if someone else is injured or their property is damaged. So aviva offers it a full option for your car and home insurance needs.
Policy Limits
Aviva Zero will offset at least 1,000 miles of your vehicle’s carbon emissions per year. You can also offset up to 50% of your remaining annual mileage.
This means your driving will have a reduced impact on the environment. And policyholders get flexibility and cost savings on rental vehicles in the event of an accident so you can manage the unexpected.
Why Choose Aviva Zero
Choosing Aviva Zero car insurance gives you several benefits. You’ll get big savings, convenience and flexibility in your policy and instant cover for your car. These benefits make Aviva Zero a competitive option in the market.
Savings
Aviva Zero is not only competitively priced but also has unique features to reduce your overall costs. For example the policy will offset at least 1,000 miles of carbon emissions. This will save you money over time if you drive or charge your car frequently.
Plus Aviva Zero has options to offset more miles which will reduce future costs of carbon emissions. This fits with eco friendly goals and can give long term savings. And reviews say Aviva Zero has better comprehensive cover at a better price than other insurers.
Convenience and Flexibility
The convenience and flexibility of Aviva Zero is great. The policy is easy to manage online. You can make changes, renew your policy and make claims through their website. This is reflected in the customer reviews which often mention how easy the online experience is.
Another aspect of flexibility is the ability to add extra carbon offsetting options. If you want to offset more than the standard 1,000 miles Aviva will match your payment for an extra 50% of offsetting. This lets you tailor your policy to your driving habits and environmental goals.
Instant Cover
One of the big benefits is instant cover when you sign up. When you buy a new policy or renew your existing one you’ll be covered for the carbon emissions of at least 1,000 miles. This instant benefit means you’ll be helping the environment from day one.
And the instant cover of Aviva Zero helps in case of car accidents or other incidents. The aviva insurance policy has zero excess on rentals in certain situations so you won’t have to pay excess on unexpected costs. This instant and comprehensive cover makes Aviva Zero a good option for car insurance.
Aviva Zero Pricing
Aviva Zero is competitively priced for those who care about their wallet and the environment. This section looks at the market rate and what Aviva Zero offers.
Market Rate
When you compare Aviva Zero to traditional car insurance you’ll see big price differences. For example customers are quoted for insurance initially £1,600 by Aviva Zero which is often cheaper than Hastings who quote £2,200.
Another example is a renewal price of £490 found on a forum where Aviva Zero was quoted £430. This price difference is because of Aviva Zero’s carbon offsetting but it’s affordable.
So Aviva Zero is cheaper too.
Value
The value of Aviva Zero isn’t just in the price. Aviva Zero covers the cost to offset at least 1,000 miles of carbon emissions from driving or charging your car for the policy year and you can add more miles for an extra cost.
And the policy promotes environmental responsibility by carbon conscious driving. This may not reduce your premium but adds value by being environmentally sustainable.
And no-claims discounts and all the usual aviva car insurance cover and benefits. Competitive costs and eco-friendly perks makes Aviva Zero a good option for drivers who want to save and be environmentally conscious.
Customer Experience
Aviva Zero car insurance has a good customer service. You’ll get help when managing your policy or making a claim.
Support and Claims
Aviva Zero has multiple channels of support. You can contact them by phone, email or online. The website is easy to use so you can manage your policy yourself.
When it comes to claims Aviva aims to make it as simple as possible. They have an app where you can submit and track your claims. Many customers have reported quick and efficient claims handling which is important when things get stressful.
But some users mentioned extra charges for policy changes like reporting a speeding ticket.
Customer Reviews and Ratings
Customer reviews for Aviva Zero are mixed. On Trustpilot some users liked the price and ease of use. Positive reviews mentioned helpful and friendly customer service.
Not everyone is happy. Some customers have had poor service or experienced unexpected fees for minor policy changes. And some complained about the thorough inspection during car rentals and got charged for minor damages.
So you’ll find both good and bad reviews. This is balanced view to help you decide.
How Aviva Zero is different from others
Aviva Zero car insurance stands out in many ways. It’s environmentally friendly and has unique benefits like carbon offsetting. Let’s look into that.
USPs
One of the big USPs of Aviva Zero is the environment. This product offsets 100% of the carbon emissions from customers driving or charging their car for a whole year after they buy a policy. And from June 2023 it will offset at least 1,000 miles of driving a year.
This carbon offsetting makes Aviva Zero attractive to eco-friendly drivers. The policy also has competitive pricing compared to others. Customers often get cheaper quotes. For example one customer was quoted £1,600 which was much cheaper than their previous provider’s quote of £2,200.
Market Position
Aviva Zero has a strong market position due to its unique approach. The carbon conscious driving sets it apart in a crowded market. This is not just a marketing spin but a real initiative as customers are demanding more sustainable options.
It’s further strengthened by Aviva’s backing, a well known name in the insurance industry. Many customers look for reliability and reputation when choosing an insurance company and Aviva’s long history provides that. With a Trustpilot rating of 4 out of 5 it shows customer satisfaction across all its products including car insurance.
By focusing on sustainability and competitive pricing Aviva Zero appeals to a modern, eco-aware market, unlike traditional car insurance providers.
Eligibility and Policy Terms
When considering Aviva Zero Car Insurance you need to know who is eligible legal cover, what’s excluded and cancellation policies.
Eligibility Criteria
To be eligible for Aviva Zero Car Insurance you must meet certain criteria. You must have a valid UK driving licence and be at least 17 years old. Your car must be registered in the UK.
If you have any driving convictions or claims these will affect your eligibility. Aviva will also review your driving history, credit score and other personal details. They want to make sure only low risk drivers get this cover.
Please note that certain cars like high performance cars are not covered. And if you have recently switched insurers frequently this will be a factor in your eligibility.
Exclusions
Aviva Zero Car Insurance has exclusions that you should be aware of. Claims arising from illegal activities or driving under the influence of drugs or alcohol are not covered by motor policy.
The policy will not cover wear and tear, mechanical failure or any modifications made to the car without prior approval. Natural disasters or acts of war are not included in legal liability either.
If you’re using your car for commercial use like ride sharing this may not be covered by motor insurance. Knowing these exclusions will help you decide if this insurance is for you.
Cancellation Policy
Aviva Zero has a simple cancellation policy. If you cancel within the first 14 days you may get a full refund as long as no claims have been made.
After the 14 days you can still cancel the policy but a fee may apply. The amount of refund will be pro-rata to market value of the unused portion of the cover.
In some cases Aviva can cancel your policy. This can happen if there is non-payment of premiums or falsification of information. Please read these terms to avoid any surprises.
How to Buy Aviva Zero
Buying Aviva Zero is easy. Go to the Aviva Zero website to start your application. Here’s how:
Go Online: Aviva Zero website has all the info you need.
Compare: Use price comparison websites to see how Aviva Zero stacks up against other policies.
Choose Cover: Decide on the cover details, comprehensive insurance and any add-ons.
Info Required
You’ll need to provide some basic info:
Personal Info: Name, address and contact details.
Vehicle Info: Make, model, registration number.
Driving History: Licence details, past claims and driving record.
Get this info right and it will be smoother.
Payment Options
Aviva Zero accepts:
Direct Debit: Monthly payments made easy and automatic.
Credit/Debit Card: One off yearly payment.
Online Banking: Transfer funds directly.
Extras and Benefits
Aviva Zero has some added benefits:
Carbon Offset: This policy offsets at least 1,000 miles of carbon emissions.
5-Star Defaqto Rating: Comprehensive cover with high ratings.
Instant Cover
Once you’ve purchased you’ll get cover immediately. You’ll receive confirmation and policy documents by email.
Buying car insurance can be a pain but the process for Aviva Zero is designed to be quick and easy with online access to your account and support if needed.
Aviva Zero Car Insurance Verdict
Aviva Zero Car Insurance is different with its carbon focused options. From June 2023 it will offset at least 1,000 miles of driving emissions, it’s showing it means business on the environment.
Pricing looks good. Users have reported as low as £1,600 compared to other insurers. If budget is a concern this could be a good option.
The comprehensive policy with 5-star Defaqto rating adds peace of mind. You can manage your account online, easy and convenient.
Mixed reviews on extra costs. For example a MoneySavingExpert forum mentions high charges for minor damages when renting a used electric car insurance through Aviva Zero.
Pros:
Low pricing
Carbon offset
5-Star Defaqto rating
Online access
Cons:
High charges for rental car damages
If the carbon benefits and pricing fit your needs Aviva Zero could be the one for you.