Aviva Norwich Union Direct Car Insurance
Information for car owners interested in getting an insurance quote from Norwich Union Direct
Norwich Union Direct now offers a wide range of financial products including breakdown services and insurance for cars.
The company should offer a UK car insurance quote provided you are resident in the UK and the car is registered and kept in Great Britain, Isle of Man, and Channel Isles only. All car drivers must be under 75 years old at the beginning of the insurance policy, hold a current, valid driving licence and have no illness or disability which requires the DVLA to be notified.
All car drivers must not have had either, more than one insurance loss or claim in the last 4 years, any criminal convictions (other than for the certain motoring offences* above), been refused car insurance or had any terms imposed. Nor should they have had more than one of certain motoring convictions* in the last 5 years, or been disqualified from driving in the past 5 years. Also, none of the intended car drivers may be included if their professions are either professional sports person, actor, actress, or TV/radio presenter, and they will require business use in relation to a driving occupation e.g. taxi driver, courier, motor trader etc.
If you are a young driver with little or nil no claims bonus the company has developed their Rapid Bonus policy for you. It offers comprehensive car insurance cover and a fast track no claims discount accumulation for the safer young driver. It covers a period of 9 months instead of 12 months which means you accumulate the equivalent of 1 year’s no claim discount after just 9 months, and you could be on maximum no claim discount 15 months earlier than normal. Your first car insurance premium is also smaller as it covers only 9 months instead of a full year.
The car must not be valued at more than £35,000, modified, or over 30 years old. It must be a UK model or built to UK specifications or if imported it must conform to certain conditions*.
This company will offer both fully comprehensive and third party fire and theft car insurance cover to suit your purposes, both of which are available online with a discount for buying online, check with Aviva for the latest offers. Fully comprehensive insurance cover is compulsory on cars with a value greater than £5,000.
Business use may be included as an option. This option can be for up to all named car drivers being covered for the personal business use of insurance policyholder and spouse/partner and for the business of the policyholder’s employer or business partner.
Up to 3 additional named car drivers can be added to the insurance policy. They must also be under 75 years at the beginning of the policy.
No claims discount can be carried forward from your previous insurance company provided you ceased that policy within the last 2 years. Once 4 years NCD has been accumulated (and you are over 21 years old), you can protect it for a small additional insurance premium, which means you can have 2 at fault claims* in any 5 year period without affecting your no claims discount.
Claims* are dealt with by telephone. A 24 hour claims helpline provides advice and links to their approved car repairers who will be instructed within an hour of being informed that your vehicle needs repair. All insurance work carried out by approved car repairers is fully guaranteed for three years. Legal services and advice* are available as an optional extra which will assist if you have an accident that's not your fault, by working on your behalf to recover things not covered by your insurance policy, for example, excess, personal injury and loss of earnings.
Courtesy Car* is also an option. They will provide you with a courtesy car for up to 14 days after yours becomes unusable due to an insurance claim and it is being repaired by an approved repairer. This even applies if your car has been stolen or written off.
Car sharing* to and from work etc. is written into the insurance policy and is acceptable provided that the car is not constructed or adapted to carry more than eight passengers excluding the driver, the passengers are not being carried in the course of a business of carrying passengers and you are not making a profit from the contributions you receive.
Foreign Cover is an optional extra. The policy matches your UK cover whilst driving in certain European Countries*. This insurance cover is valid for up to 90 days in any lone trip and up to 6 months in any one policy year. Importantly, Legal cover and Courtesy Car cover will not be included for European use unless European Breakdown Protection is also purchased.
Medical Expenses* cover of up to £100 is payable for treatment of injuries to the driver and passengers following an accident. Injury Benefits* cover can be paid out to the insured and/or the insured’s spouse/partner (or their legal representative) in the event of fatal or certain serious injuries following an accident involving your car. This insurance cover also applies when either of you are traveling in any other car, the amount will be a maximum of £2,500. Physio Fast* is available as an optional extra and includes up to £400 payable for treatment by a chartered physiotherapist appointed by Norwich Union Direct who believes treatment will help in your recovery.
* Please note, conditions will apply for all of the insurance products for cars mentioned above. Please contact the insurer concerned for more information.
* Specific conditions apply, not detailed here, please see the company's literature for full details.
