AVIVA Car Insurance
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Summary
AVIVA Car Insurance Review 2021
Here are some of AVIVA Car Insurance's highlights:
- 3 tiers of comprehensive plans: Lite, Standard and Prestige
- Low NCD penalty of 10% upon claims
- eCall Assistance app by AVIVA helps detect crashes and alert an emergency team in real life to dispatch help (only for MotorPrestige)
- Medical expenses that covers you and your passengers from S$500 to S$5,000
- Brand new car replacement for cars less than 12 months old
- Covers repairs for your car
- Covers damage to third party property
- Does not offer TPO, TPFT schemes
Plans (3)
AVIVA Lite Plan
Authorised
WORKSHOP
30%
NCD PROTECTION
No
24H ROADSIDE ASSISTANCE
4.5
2 Reviews
No Posts Found.
AVIVA Car Insurance at a glance
Types Of Aviva Car Insurance Plans
Aviva has 3 comprehensive car insurance plans:
1. Aviva Lite
- Workshop: Aviva authorised workshops only
- Replacement car provided for: Cars up to 1 years old
- Young & inexperienced driver excess: $2,500
Recommended for: old cars not under warranty, second hand cars, parallel imports
2. Aviva Standard
- Workshop: Aviva authorised workshops only (pay double excess for non-approved workshop)
- Replacement car provided for: Cars up to 1 years old
- Young & inexperienced driver excess: $2,500
Recommended for: old cars not under warranty, second hand cars, parallel imports
3. Aviva Prestige
- Workshop: Any
- Replacement car provided for: Cars up to 2 years old
- Young & inexperienced driver excess: Waived
- Perks: Bosch car crash detector & eCall assistance (rapid roadside assistance within 20 minutes)
Recommended for: new premium cars, families with young drivers
What does AVIVA Car Insurance Cover?
Features | Lite | Standard | Prestige |
|---|---|---|---|
Repairs for your car | Authorised workshops only | Any workshop but excess will be doubled if done at non-approved repairer | Any workshop |
Brand new car replacement | ✓ For new car < 12 months old | ✓ For new car < 12 months old | ✓ For new car < 24 months old |
Excess for young and inexperienced driver | S$2,500 | S$2,500 | ✓ Free |
Windscreen excess payment | S$100 | S$100 | ✓ Free |
Medical expenses (including you and your passengers) | ✓ up to S$500 | ✓ up to S$2,500 | ✓ up to S$5,000 |
Damage to third party's property | ✓ up to S$5 million | ✓ up to S$5 million | ✓ up to S$5 million |
eCall assistance service | - | - | ✓ |
(View AVIVA Car Insurance's official website for the full list of coverage and exclusions.)
What Kind Of Add-Ons Are Available with AVIVA Car Insurance?
To extend your car insurance coverage even further, you have a couple of options to choose from including:
1. No Claims Discount Protector
- Protects your No Claim Discount (NCD) in the event of a claim
- For 30% NCD and above
- Note: Aviva has the lowest NCD penalty (maintains 10% NCD) in the industry
2. Loss Of Use Cover (Courtesy Car)
- Get to use a replacement (1.6L model) while your car is in the workshop (up to 10 days)
3. Additional Personal Accident Cover
- Up to $100,000 for you and any additional passengers travelling in your car
4. Loss Of Keys
- Up to $500 for replacement of damaged locks, transmitter, central locking interface, and any affected parts of the car's alarm or immobiliser
Verdict on AVIVA Car Insurance
AVIVA's car insurance is known to be one of the most price competitive comprehensive coverages available. Its values and coverages rival many.
Aviva also offers the lowest NCD penalty of 10% if you do make a claim
Coverage for loss of keys is an add-on unlike other comprehensive car insurance plans. So if you are a forgetful person, you have to choose this add-on (if you manage to remember) or choose another comprehensive plan that includes this feature.
- Opt for Lite if you’re a young & inexperienced driver
- Opt for Prestige if you:
Just bought a new car,
Have kids who just got their driving license and don't want to risk your NCD,
Have bad dreams that your kids will get into a freak accident and somehow manage to flip the car
Still unsure? View our Ultimate Guide to Car Insurance here, to help you get a more holistic view of each plan compared against another.
Contact AVIVA
- Visit AVIVA online to get a AVIVA Car Insurance quote
- Car accident and emergency breakdown: +65 6333 2222 (24 hours daily)
- Customer Service Centre: +65 6827 7988
- General Enquiries: +65 6827 9966 (Mon-Fri, 8:45am-5:30pm; Closed on weekends and public holidays)
Contact us at [email protected] should you require any assistance or spot any inaccuracies.
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