Why might Private Clients need Motor cover?
- Laws in the UK state that all vehicles must have valid insurance to be driven on the road
- Those with high-value vehicles or classic cars are going to want the appropriate insurance cover to best protect their valuable assets - not necessarily just an off-the-peg insurance package
- Insurance offers financial protection if a vehicle is involved in an accident that damages another vehicle, property or injures someone
- If your client owns more than one vehicle, taking out individual cover for each one could become time-consuming; instead, they may want to have all of their vehicles under one policy
Why choose Aviva Private Clients Motor?
If your client operates a fleet of high-value vehicles and the lead vehicle has a minimum value of £75k, we can offer coverage through one of our motor policies or incorporate the motor element into a Complete or Ultra Home portfolio.
Complete Motor
What's covered as standard?
- New Car Replacement - if your client's vehicle is declared a total loss and it's less than 2 years old, we'll replace it with a new vehicle
- Agreed Value - your client will know in advance how much they will receive in the event that their vehicle is deemed a total loss
- Loss of Value - if your client's vehicle is over 15 years old, we'll compensate them for any reduction in value, following repairs due to an accident or other insured loss
- Loss in value for vehicles over 15 years of age - If your client’s vehicle, following a loss, is worth less after repairs we'll pay the difference between the agreed value* before and after repairs up to 100% of the covered repair cost, £350k or 25% of the sum insured, whichever is the lesser amount
- Comprehensive Driving others Cars - we'll cover your client to drive vehicles in addition to their own
- Courtesy Car - we'll provide a like-for-like courtesy car up to £5k following a claim on one of your client's insured vehicles
- Rallies and Track cover - if your client is a member of a registered vehicle club and drives in their UK track events, we'll cover repairs up to £150k following damage during the event
- Airside cover - whether it's for business or leisure, if your client is looking to travel by air, we'll cover their vehicle whilst it's in any part of an airport, to help make their journey as seamless as possible
* The vehicle must be purchased by your client or valued by an independent valuer within the last 24 months before the damage.
Exclusions and limitations may apply. Please refer to your insurance product information document and policy wording for more details.
Ultra Motor
What's covered as standard?
- New Car Replacement - if your client's vehicle is declared a total loss and it's less than 3 years old, we'll replace it with a new vehicle.
- Agreed Value - your client will know in advance how much they will receive in the event that their vehicle is deemed a total loss
- Loss of Value - if your client's vehicle is over 15 years old, we'll compensate them for any reduction in value, following repairs due to an accident or other insured loss
- Loss in value for vehicles over 15 years of age - If your client’s vehicle, following a loss, is worth less after repairs we'll pay the difference between the agreed value* before and after repairs up to 100% of the covered repair cost, £500k or 25% of the sum insured, whichever is the lesser amount
- Comprehensive Driving others Cars - we'll cover your client to drive vehicles in addition to their own
- Courtesy Car - we'll provide a like-for-like courtesy car up to £6k following a claim on one of your client's insured vehicle
- Rallies and Track Cover - if your client is a member of a registered vehicle club and drives in their UK track events, we'll cover repairs up to £150k following damage during the event
- Airside Cover - whether it's for business or leisure, if your client is looking to travel by air, we'll cover their vehicle for use in any part of an airport, to help make their journey as seamless as possible
* The vehicle must be purchased by your client or valued by an independent valuer within the last 24 months before the damage.
Exclusions and limitations may apply. Please refer to your insurance product information document and policy wording for more details.
Get a quote
To get a new Motor quote, contact us on 0800 068 3721* or email pcquotes@aviva.com
Make an enquiry
For existing business or general enquiries, please call us on 0800 068 3721* or email us at PCAdmin@aviva.com.**
Effortless Claims
If you need to make a claim, rest assured we’ll do everything we can to resolve it as quickly and effortlessly as possible.
With a 98% customer claims satisfaction rate, our dedicated claims team provides a highly personalised approach, adding a human touch when it's needed the most.***
To make a Motor claim, call our 24/7 claims line on 0800 056 2584* or email conciergemotor@aviva.com.
Key documents and resources
Motor Insurance Database guidance
To comply with the Motor Vehicle Regulations (2003), brought in as part of the 4th EU Motor Directive (2000), it’s essential that all UK-registered vehicles, licensed and insured for use on the highway, are recorded on the Motor Insurance Database (MID).
* Calls to 0800 numbers from UK landlines and mobiles are free. For our joint protection telephone calls may be recorded and/or monitored.
** For any enquiries, we're available 9-5 Monday to Friday excluding bank holidays.
***Aviva Private Clients claims satisfaction rate based on 2024 claims survey results.
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