Private Motor Insurance

Standard cover

Our Private Motor product gives your clients the choice of third party, fire and theft or comprehensive car insurance cover along with a wide range of benefits.

Third party, fire or theft

This is our basic level of car cover. It includes cover for

• Fire, theft or attempted theft
• Any personal injury or damaged property claims made against you
• Breakdown rescue in the UK and Ireland

Comprehensive cover

This package includes:

• All cover included in third party, fire or theft
• Windscreen damage cover when you use our aligned windscreen repairers (phone 1800 147 147 for our current list of aligned repairers)
• Accidental damage cover

 

• No claims discount: Up to a maximum discount of 50%
• Policy Excess Options: the standard excess is €300. You can choose to increase the excess to €600 (for a premium reduction) or decrease the excess to €125 (for a premium increase).
• Customer Discount: 5% off if you have another policy or 10% off if you have two or more policies with Aviva if the annual premiums on the other policies exceed €125 per year
• Up to 19% discount if you have No Penalty Points: When all drivers material to the risk are penalty points free they may be able to benefit from a discount of up to 19% on their motor insurance premium. Discounts or loadings may vary depending on the number and nature of the penalty points incurred. When all drivers are penalty point free they may be able to benefit from a discount on their car insurance premium. To qualify for our penalty points rating all drivers on the policy must be capable of incurring penalty points for driving offenses in Republic of Ireland and they must provide us with a valid driver number (found on the driving licence) for each driver on the policy which can be verified by the National Vehicle Driver File (NVDF). A policy loading may be applied for penalty points which are incurred by any driver whose driving is covered by this policy. Discounts or loadings may vary depending on the number and nature of the penalty points incurred.