Aviva zero car insurance

Rogerrabbit777

any opinions on aviva zero? Pros and cons? One been its only online. Been there with quotemehapp many years ago! Does anyone use them? There prices are alot cheaper than even the standard aviva policy. Due to having a EU licence and NCD im restricted to companies and the normal aviva site is pretty good as it doesnt ask ten million pointless questions like other sites. Thanks

SaverRate

Its basically Aviva but online only. Some family members are with them. 

Have had to contact them (email only) before and the responses were always back within 24 hours even when we cancelled the 1 policy there were no issues and had the refund in my bank the next day. 

If your going through a comparison site make sure all data transfers over properly including time you have held you licence. On one of the comparison sites it didnt and had to contact them via email to change it. They didn't mind though and didn't incur any extra charges so happy with that. 

Never claimed but I am very happy with the customer service CS.

Edit - Quotemehappy is Aviva so basically same company! 

Car_54

As an Aviva shareholder, I can get a discount (20% from memory). Aviva Zero undercut that significantly, and was the cheapest on the meerkats. At least from insurers I'd want to use.
This year it's gone up a lot but still the cheapest available for me.

Grey_Critic

Car_54 said:

As an Aviva shareholder, I can get a discount (20% from memory). Aviva Zero undercut that significantly, and was the cheapest on the meerkats. At least from insurers I'd want to use.
This year it's gone up a lot but still the cheapest available for me.

What is the minimum shareholding to get the 20% discount? Todays price is £3.89 so could be worth buying a few shares to get the discount.

Car_54

Grey_Critic said:

Car_54 said:

As an Aviva shareholder, I can get a discount (20% from memory). Aviva Zero undercut that significantly, and was the cheapest on the meerkats. At least from insurers I'd want to use.
This year it's gone up a lot but still the cheapest available for me.

What is the minimum shareholding to get the 20% discount? Todays price is £3.89 so could be worth buying a few shares to get the discount.

Sorry, I’ve soLd most of my shares so I’m out of touch. Try Google!

onomatopoeia99

Grey_Critic said:

Car_54 said:

As an Aviva shareholder, I can get a discount (20% from memory). Aviva Zero undercut that significantly, and was the cheapest on the meerkats. At least from insurers I'd want to use.
This year it's gone up a lot but still the cheapest available for me.

What is the minimum shareholding to get the 20% discount? Todays price is £3.89 so could be worth buying a few shares to get the discount.

Whatever it is, check you can still get the discount if the shares are held in a nominee account rather than getting a paper certificate or having personal Crest membership. No good buying them in an ISA (which has to be a nominee account).

spettifer

Late to this, but I have an Aviva Zero policy and I'd never use them again. The Live Chat thing is awful, takes forever and it's almost impossible to have a proper conversation - I suspect they are based somewhere like India. I don't like any of their repairers (non-fault claim, other party admitted full liability), but they want to charge me a £500 excess and because I didn't take their overpriced legal cover, they won't claim it back, I have to do it. I feel like this level of excess is an unfair condition because it forces people to use their approved repairers (as I say, all ones 'near' me aren't that near and they all have bad reviews - they are sausage factories really). I am seriously considering an ombudsman complaint, purely because I know it will cost them £500 (the same as the excess they want me to pay for using a repairer that isn't a low-grade, high volume botch job merchant)

TheCadGuy

spettifer said:

Late to this, but I have an Aviva Zero policy and I'd never use them again. The Live Chat thing is awful, takes forever and it's almost impossible to have a proper conversation - I suspect they are based somewhere like India. I don't like any of their repairers (non-fault claim, other party admitted full liability), but they want to charge me a £500 excess and because I didn't take their overpriced legal cover, they won't claim it back, I have to do it. I feel like this level of excess is an unfair condition because it forces people to use their approved repairers (as I say, all ones 'near' me aren't that near and they all have bad reviews - they are sausage factories really). I am seriously considering an ombudsman complaint, purely because I know it will cost them £500 (the same as the excess they want me to pay for using a repairer that isn't a low-grade, high volume botch job merchant)

I am in the same boat. Aviva Zero organised a rental from Enterprise who read of a list of charges

for every mark, dent and chip at £500 for each individual item or pay £70 for a short term, zero excess insurance cover. Only a fool would sign that agreement and this for a no-fault car accident. Long pointless, conversation over live chat where my case was "escalated" and four days later, still no car and not a word from the insurance company.

spettifer

TheCadGuy said:

spettifer said:

Late to this, but I have an Aviva Zero policy and I'd never use them again. The Live Chat thing is awful, takes forever and it's almost impossible to have a proper conversation - I suspect they are based somewhere like India. I don't like any of their repairers (non-fault claim, other party admitted full liability), but they want to charge me a £500 excess and because I didn't take their overpriced legal cover, they won't claim it back, I have to do it. I feel like this level of excess is an unfair condition because it forces people to use their approved repairers (as I say, all ones 'near' me aren't that near and they all have bad reviews - they are sausage factories really). I am seriously considering an ombudsman complaint, purely because I know it will cost them £500 (the same as the excess they want me to pay for using a repairer that isn't a low-grade, high volume botch job merchant)

I am in the same boat. Aviva Zero organised a rental from Enterprise who read of a list of charges

for every mark, dent and chip at £500 for each individual item or pay £70 for a short term, zero excess insurance cover. Only a fool would sign that agreement and this for a no-fault car accident. Long pointless, conversation over live chat where my case was "escalated" and four days later, still no car and not a word from the insurance company.

They couldn't grasp that I didn't want a hire car, Enterprise kept phoning me and I kept telling them I didn't want it until one day I lost my temper and chewed them out about it. Then they stopped calling. Aviva Zero have been worse than useless, and I still feel that these out-of-network excesses are an unfair condition and potentially legally dubious. Many people probably don't care and just use the approved network. That's fine. But there will be plenty who don't want to but can't afford to not use it because of a horribly unfair stipulation that restricts consumer choice. If you've paid for their legal cover then I guess you're OK, but again, that doesn't really get explained to you.

I should point out then I'm certain Aviva Zero are not the only company engaging in this racket, by a long chalk, but they are still a horrendous company to dal with. A tiny little web chat window is a shittty medium to try and deal with something as potentially complex as an insurance claim, and if you forget to ask for the transcript then you have no idea what was said as the conversation is very asynchronous and drawn out.

Johnbluefin

The Zero must stand for giving Zero assistance! Aviva left me at the roadside for seven and half hours after I had a bump 250 Miles away from home. This after I had been driving over 7 hours. Their recovery driver refused to take me and half a car full of personal effects and wanted to take my car but leave me on the pavement in the rain with boxes of unprotected paper files. A taxi they claim to have organised never turned up. They initially told me I had hire car cover but could not arrange that on a weekend. After the weekend they spent a further few days to decide I didn't have courtesy car cover after all. I had to pay for my own way home after being stranded 250 Miles from home for 11 days. They offered to pay a train ticket but would not accept a half car full of personal effects cannot be taken by train. On top of that I have not heard from them at all yet regarding valuing my car and are therefore outside their own poor service standards. After complaining about being stranded they say they take UpTo 8 weeks to look into the complaint and UpTo 30 days to send copies of recordings which prove their staff gave wrong advice and contradictory information several times. This one is going to the Ombudsman as Aviva  frankly don't care a damn. If that is the level of help you want in a crisis then Aviva is for you! 

photome

Johnbluefin said:

The Zero must stand for giving Zero assistance! Aviva left me at the roadside for seven and half hours after I had a bump 250 Miles away from home. This after I had been driving over 7 hours. Their recovery driver refused to take me and half a car full of personal effects and wanted to take my car but leave me on the pavement in the rain with boxes of unprotected paper files. A taxi they claim to have organised never turned up. They initially told me I had hire car cover but could not arrange that on a weekend. After the weekend they spent a further few days to decide I didn't have courtesy car cover after all. I had to pay for my own way home after being stranded 250 Miles from home for 11 days. They offered to pay a train ticket but would not accept a half car full of personal effects cannot be taken by train. On top of that I have not heard from them at all yet regarding valuing my car and are therefore outside their own poor service standards. After complaining about being stranded they say they take UpTo 8 weeks to look into the complaint and UpTo 30 days to send copies of recordings which prove their staff gave wrong advice and contradictory information several times. This one is going to the Ombudsman as Aviva  frankly don't care a damn. If that is the level of help you want in a crisis then Aviva is for you! 

Did Aviva zero leave you stranded or a breakdown company ..RAC, AA etc.