Aviva car insurance - amending a policy

Kilty_2

I'm currently insured with Aviva and I'll be changing my car soon.

If i change it over the phone they charge me ~£18 in admin fees. If I change it online this is free.

Does anyone know if online changes are instant? In the past with another insurer I phoned them from the dealer forecourt and was immediately insured to drive away.

So if I change online and I'm pulled over on the way home, will the Police be able to confirm with Aviva that I'm insured?

Obviously I won't risk my driving licence for the sake of £18 so if anyone knows then this would be helpful

Quote

No idea. All sounds a bit weird. Have you thought about calling AVIVA and asking them?

Kilty_2

Yeah I'll do that if nobody insured with them knows

It is weird - my previous insurer didn't apply admin fees for using their call centres. Aviva make me pay to use far, far worse ones

Jane2005

If you are able to amend your policy online, any changes you make will become affective immediately and depending on the change you make they may have to send another Certificate out to you.

dacouch

I would be tempted to take screen prints of the acceptance page.

Oscar_The_Grouch

Kilty wrote: »

So if I change online and I'm pulled over on the way home, will the Police be able to confirm with Aviva that I'm insured?

I don't know how Aviva update MID (the database of insurers and vehicles used by the police and insurance industry), but all insurers have 7 days to update the database. You could, therefore, have received your new insurance certificate before the MID has been updated. Please remember this if you are going to apply for your road tax on the internet too.

To answer your original question, however, you will be covered from the moment you do the change but your old car will then NOT be insured and MUST be kept off-road (with a SORN declaration) if you do not intend to trade it in. If you are doing a trade-in, check on the website to see if you can forward date the alteration.

This could then mean that you can make the change of cars for, say, 12 noon next Saturday. You would be insured to drive your own car until noon, so could pop to the garage at 11:30. Once you've signed all the documents and paid the money, you jump in your new car and go straight round to the post office where you hand over the signed log book, show them the certificate that will have arrived in the post a few days before and you are off and running!!

The advantage of this is that if you haven't received the Certificate by Thursday, you can phone Aviva and get them to send a duplicate in time for you to pick up and tax the car.

Quentin

Oscar_The_Grouch wrote: »

To answer your original question, however, you will be covered from the moment you do the change but your old car will then NOT be insured and MUST be kept off-road (with a SORN declaration) if you do not intend to trade it in.

More nonsense.

You don't need to SORN your car just because it's not insured at all!

Oscar_The_Grouch

Quentin wrote: »

More nonsense.

You don't need to SORN your car just because it's not insured at all!

http://www.taxdisc.direct.gov.uk/EvlPortalApp/portlets/commonquestions/en_Help.jsp#WHATS_SORN

Plonker.

Quentin

Oscar_The_Grouch wrote: »

Plonker.

Why the personal abuse?

All I have done is correct your bad advice!

You are the one who has posted incorrect info (albeit in your authoritative style)

Oscar_The_Grouch

Quentin wrote: »

Why the personal abuse?

I meant me for not posting the SORN link. Perhaps if you stopped stalking me, you'd also stop thinking that everything is about you.

Quentin

More personal abuse! Not necessary - why not simply stand corrected, and edit your post.

You don't have to SORN your car just because it's uninsured at all!