Aviva Zero Help.

sidneyyoungblood

Currently looking to renew my car insurance and using various sites Aviva zero come up as the cheapest  but I am confused by the ..

" If you buy a new Aviva Zero car insurance policy or choose to renew your policy, we'll cover the cost to offset at least 1,000 miles of carbon emissions from driving or charging your car for the policy year.

You can also choose to pay to offset 50% of your remaining miles. If you do, we'll match your payment. So in total, 100% of your carbon emissions, from driving or charging your car for this policy year, would be offset. This is based on the mileage you've told us you'll cover." 

Does this mean I have the option of not contributing to offset the 50% of the remaining miles so the price shown ( £377 is the price I pay ?) .

The next option is tescos  / Hastings which his £60 more .

facade

Yes, you just ignore their kind "offer" and pay what they quoted.

(I'd check that there isn't a "Yes please- fleece me for ££££!" box auto ticked, but I'm with Aviva Zero and I've never paid any more than the quote.)

Don't expect to be able to physically contact them though, they are cheap because they are interweb only.

sidneyyoungblood

facade said:

Yes, you just ignore their kind "offer" and pay what they quoted.

(I'd check that there isn't a "Yes please- fleece me for ££££!" box auto ticked, but I'm with Aviva Zero and I've never paid any more than the quote.)

Don't expect to be able to physically contact them though, they are cheap because they are interweb only.

Thanks , did you find it easy to send over the NCD etc when you signed up ?

facade

sidneyyoungblood said:

facade said:

Yes, you just ignore their kind "offer" and pay what they quoted.

(I'd check that there isn't a "Yes please- fleece me for ££££!" box auto ticked, but I'm with Aviva Zero and I've never paid any more than the quote.)

Don't expect to be able to physically contact them though, they are cheap because they are interweb only.

Thanks , did you find it easy to send over the NCD etc when you signed up ?

Everything is on t'interweb nowadays, they confirm it via the MIB or something, all I had to do was pay, then download the documents and check them. 

The only "trouble" I had was when I changed car mid-term. Instead of changing the insurance over standing at the dealers, (in case it didn't work) I did it the day before, to start the next day. Their chat-bot assured me that my old car will be covered until 23:59 on the day of the change-over.

Next day I get ready to take my trade-in to collect the new one, and check the MIB.

The new one is insured but the old one "cannot be found"   There is absolutely no way to email or 'phone them to get a confirmation that it is insured.

Cue a very stressful drive to the dealer clutching my old certificate and a print-out of the screen capture of the chatbot claim.

Next time (if there is a next time) I'll do the change-over actually standing in the dealers. 

DullGreyGuy

sidneyyoungblood said:

Currently looking to renew my car insurance and using various sites Aviva zero come up as the cheapest  but I am confused by the ..

" If you buy a new Aviva Zero car insurance policy or choose to renew your policy, we'll cover the cost to offset at least 1,000 miles of carbon emissions from driving or charging your car for the policy year.

You can also choose to pay to offset 50% of your remaining miles. If you do, we'll match your payment. So in total, 100% of your carbon emissions, from driving or charging your car for this policy year, would be offset. This is based on the mileage you've told us you'll cover." 

Does this mean I have the option of not contributing to offset the 50% of the remaining miles so the price shown ( £377 is the price I pay ?) .

The next option is tescos  / Hastings which his £60 more .

Thats why they say "you can also choose", it's up to you if you want trees planted that cover 1,000 miles or whatever you stated your annual mileage was. 

You are presumably buying it because they are cheap rather than because of their ESG policy and so guessing you dont want to but as they already told you it's your choice. 

eschaton

As already said, it’s not a compulsory green payment. 

If you’re green minded then they’re giving you the option to pay money for nothing. 

I was with them last year and presumed the zero was related to the zero frills on the policy, not the offsetting carbon 

DullGreyGuy

eschaton said:

If you’re green minded then they’re giving you the option to pay money for nothing. 

Unless you are alleging that Aviva are scamming people and arent actually buying offset credits or planting trees or whatever it is then it's not "nothing". If paying an insurer to buy carbon offsets is the best use of your money or something you care about etc is a different question. 

kazze12

Good experience with Aviva Zero, cheapest policy, documents accessible online, and having cancelled policy 7 months in (changed car) they refunded what was owned within two days. They quoted me £700 less than Hastings who were my previous insurance company.

pinkdon

I’ve just renewed with Aviva Zero today and to be honest I just ignore the carbon offsetting.  Last year I changed cars hassle free by logging into my online account, updating my vehicle details and paying something like £27 for the change.  

Only issue I had was when someone crashed into me and I tried to call them, not helpful at all.  But for the price I pay I’m happy to renew and have an online only policy.  I never had to submit proof of my NCD last year, I assume they can check at their end.

Overall they gave the best price and coverage so I’m happy to sacrifice customer service.

sidneyyoungblood

Just signed up ... on the last page after I made payment it say

1. You can opt to pay to offset 50% ($3,500 miles) of the remaining carbon emissions
so guessing you have to log in .. Thanks for the advice and help

eschaton

DullGreyGuy said:

eschaton said:

If you’re green minded then they’re giving you the option to pay money for nothing. 

Unless you are alleging that Aviva are scamming people and arent actually buying offset credits or planting trees or whatever it is then it's not "nothing". If paying an insurer to buy carbon offsets is the best use of your money or something you care about etc is a different question. 

You sound bored.