Vavista Car Insurance Review

When looking for car insurance quotes and providers you may come across Vavista. With so many to choose from it’s important to choose one that balances cost, coverage and service.

Vavista car insurance has competitive rates and good customer service reviews. Many customers like the affordable premiums and easy online application process.

Plus Vavista has comprehensive insurance options and extra services to suit different needs and budgets. Read on to find out what makes Vavista a popular choice.

Vavista Car Insurance

Vavista Car Insurance offers car insurance companies a number of policy options to suit different customer needs and budgets. The company is known for its comprehensive cover and extra services like extended warranty options.

Company History

Vavista has been a major player in the car insurance market. Took over Debenhams car insurance for customers and had some communication and auto renewal price issues during the transition in 2021.

Despite these teething issues the company has good reviews. On Trustpilot Vavista has 4 out of 5 stars with over 900 reviews. Customer service is a big plus in car insurance reviews with many recommending Vavista for the support and comprehensive policies.

Insurance Options

Vavista offers several types of car insurance policies to suit different needs. Their most comprehensive car insurance offers is comprehensive insurance which covers most risks so you are well covered on the road.

They also offer extra services like extended warranties and specialist insurance. These add-ons provide extra protection value added services and convenience.

Customer service contacts for claims and renewals are easy to find. You can contact Vavista’s customer service, sales and renewals teams by phone. Details on their hours are on their website.

Options

Vavista Car Insurance has several coverage options to suit different needs and budgets. Below are the main ones, each with its own benefits and features.

Comprehensive

Comprehensive is the most comprehensive type of insurance offered by Vavista. It covers you for a wide range of risks including damage to your car, theft and third party liabilities. If you have an accident this policy will cover the repair costs for your vehicle and legal expenses for any damage to other vehicles or property.

Plus comprehensive policies often have extra benefits like windscreen repair, personal accident cover and sometimes even breakdown cover. This extensive cover has you well covered no matter what. Many customers find this worth it for the peace of mind and extra protection.

Third-Party, Fire and Theft

Third-Party, Fire and Theft is basic cover but with extra benefits than Third-Party Only. This type of insurance covers damage to other people’s vehicles or property. It also covers your car if it’s stolen or damaged by fire.

This is good if you want to balance cost and cover. You get more cover than Third-Party Only without the higher to pay monthly premiums of a comprehensive policy. Suitable for older cars that are cheaper to replace but still need some level of protection.

Third-Party Only

Third-Party Only is the minimum legal requirement for car insurance in the UK. This is the basic motor insurance policy that covers any damage you cause to other people’s vehicles or property. It does not cover any damage to your own car even if the accident is not your fault.

If you want cheap car insurance for the lowest possible premiums this is the option for you. It’s the most extensive cover suitable for older or less valuable cars where the cost of repairing or replacing your own car is not a concern. This type of cover is basic but meets all legal requirements and is the cheapest in terms of premiums.

Key Features and Benefits

Vavista car insurance offers competitive rates with multiple benefits like no-claims bonus, windscreen cover and breakdown cover. These features give you convenience and savings.

No-Claims Bonus

A no-claims bonus rewards you for being a good driver. Each year you don’t make a claim you get a discount on your premium. This can save you a lot of money over time. The bonus can be transferred if you switch to another insurer and keep your bonus.

Check the policy terms to see how your no-claims bonus is protected. Some policies even offer protection options so you can make a claim without losing your bonus. This protection means a one off mistake doesn’t impact your long term savings on insurance.

Windscreen Cover

Windscreen cover is a must have feature that covers repairs or replacement of your car’s windscreen. Vavista includes this in their policy to prevent the high out of pocket costs for such repairs. A small chip can often be repaired without affecting your no-claims bonus and keep your costs low and safe.

For full windscreen replacement the cover has a small excess. But this is much less than the full cost of replacement. This feature of key cover gives you peace of mind and ensures any damage to your vehicle registration windscreen is handled quickly and professionally.

Breakdown Cover

Breakdown cover means you’re not stranded due to car trouble. Vavista provides help if your car breaks down whether at home or on the road. This includes roadside repairs and if necessary towing to a nearby garage. The cover also covers issues like flat battery or running out of fuel.

Having breakdown cover and assistance means you can drive with confidence knowing help is just a phone call away. This reduces stress and inconvenience when car trouble occurs. Some policies may also offer additional options like onward travel or hotel accommodation if you’re stranded far from home.

Exclusions and Limitations

When you choose Vavista car insurance you should be aware of the exclusions and limitations.

Common Exclusions:

• Wear and Tear: Damage due to normal use and age is not covered.

• Mechanical Breakdown: Breakdowns not related to an accident are excluded.

• Intentional Damage: Damage caused deliberately is not covered.

Driver Limitations:

• New Drivers: Higher premiums or exclusions may apply for new drivers.

• Uninsured Drivers: If you drive without a valid insurance policy any incidents will not be covered.

Geographical Limits:

• Outside the UK: Cover may be limited or not available outside the UK. Check the policy when you travel abroad.

• Specific Areas: Some policies may exclude cover in certain high risk areas.

Vehicle Use:

• Business Use: If you use your car for business make sure your policy covers this. Standard policies exclude business use.

• Modified Vehicles: Custom modifications not included unless declared and approved.

Alcohol and Drugs:

• Driving Under Influence: Claims made while under the influence of alcohol or drugs are usually declined.

Third-Party Exclusions:

• Personal Belongings: Damage to personal belongings inside the vehicle is not covered.

• Unlisted Drivers: Only drivers listed on the policy are covered. Unauthorised drivers will void the policy.

Check these exclusions and limitations to see what’s included and what’s not in your Vavista car insurance. For more info read customer reviews or official website.

Cost and Value

Vavista car insurance has competitive prices and ways to save. The focus areas are premiums, excess and discounts.

Premiums and Excess

Vavista is cheap for premiums. For many customers it’s one of the cheapest on the market.

You can add family members to your policy which may reduce the cost. Vavista doesn’t require a black box which is a plus for some drivers.

Excess fees can vary so read the small print. Some customers found the cancellation fees higher than expected. For example purchase online, one reviewer mentioned a cancellation fee of £105 after paying for a month’s insurance.

Discounts and Savings

Vavista has ways for you to save. Adding a family member to your policy will reduce the cost.

They have good deals for first time customers so if you’re a new policyholder they’re worth considering. A reviewer mentioned the savings in the first year and the lack of a black box as a bonus.

Customer service is responsive and will give you information to help you save more. By using these features you can reduce the overall cost of your insurance.

Customer Service Experience

Customers have mixed views on Vavista’s excellent customer service though. Some love the ease of contacting them while others have had issues with charges and the customer support team.

Claims

When it comes to claims customers have mixed experiences. Some find it easy and quick. They like the fast response and resolution times. Others have complained about hidden fees and unexpected charges during the claims process.

For example one customer was unhappy with a £75 cancellation fee after changing vehicles although they expected some charges. Consistency in claims handling can improve customer trust and satisfaction a lot.

Support Channels

Customers can contact Vavista for support through phone and email. Some reviewers like the online portal to access documents and manage their policies. This self service is very convenient.

But there are reviews that mention rude customer service and poor response to questions about charges added services. All support channels should provide a consistent and respectful service to build and maintain customer loyalty.

For more info read the user reviews on this page.

Policy Management

Managing your Vavista car insurance policy is easy with exclusive access to their online portal and flexible options to amend or renew your policy.

Online Portal

Vavista has an online portal where you can access and manage all your policy details. You can view your insurance documents, check your policy status and update your personal details. Great for busy people who prefer to manage their insurance online.

You can also make payments via direct debit, and set up direct debits through the online portal. The interface is user friendly so even if you’re not tech savvy you can navigate through it without much trouble.

Also the portal allows insurance companies to upload any necessary documents. No more physical mail so the process of managing your policy is faster.

Amendments and Renewals

Amending your Vavista car insurance policy is easy. If you need to add or remove a driver, change your vehicle’s registration number or update your address you can do it through the amendment feature on the online portal. Changes are processed quickly so your policy will be up to date with minimal effort from you.

Renewing your policy is also hassle free. You will receive a renewal notice before your current policy expires with the new premium and coverage options.

If you want to make changes or find a better rate you can talk to customer service. They are available by phone Monday to Friday 9am-5:30pm and Saturday 9am-2pm. This is so you can tailor your policy to your changing needs.

Customer Reviews and Ratings

Vavista: new car and insurance has mixed reviews.

Many customers liked the online process for buying car insurance premium. One customer saved £115 compared to a renewal quote from another insurer. They liked the documentation.

One customer was unhappy with the fees. They were charged a broker fee of £62.54 and later a £75 cancellation fee. They also mentioned poor customer service.

Some reviews mention communication issues. Customers had problems with emails and ended up with policy cancellations and unexpected fees. One customer spent an hour on the phone and got no resolution.

Here’s a quick breakdown of the feedback:

Category Feedback Pricing Cheaper than others Customer Service Mixed; some found it unhelpful Online Experience Smooth Unexpected Fees Several reports of hidden fees Claims Handling Limited info

Vavista has over 900 reviews on Trustpilot with 4 out of 5 stars. Some of this positive feedback is due to the transition from Debenhams to car insurance broker and the improvement in communication.

Read customer reviews on Trustpilot.

Conclusion and Verdict

Vavista Car Insurance has some good features for many drivers. The policies are priced competitively and has comprehensive car insurance with multiple options.

Key points:

• Cheaper premiums: Many customers found Vavista’s premiums cheaper than others.

• Comprehensive cover: Policies has features that may not be available with other insurers.

Customer Service:

• Monday to Friday 9am-5:30pm and Saturday 9am-2pm.

• Call customer service 0344 776 8382.

Watch out for:

• Some customers reported hidden fees like broker fee and cancellation charges.

• Changing vehicles or other policy changes can also incur costs as mentioned in some reviews.

Check and compare before you decide. Make sure you read the small print to know all the fees and charges.

Customer service feedback is mixed, some liked it and some had issues. Make sure you are happy with their service hours and availability.

Read full reviews on Trustpilot and Finder UK.

Go for Vavista if it suits you but watch out for fees and service hours. Read other reviews.