Aviva car insurance offers financial protection for drivers and their vehicles in case of accidents, fire, theft, or damage. You can get a quick quote online by providing basic details about yourself and your car. They offer flexible payment options, allowing you to pay monthly via direct debit or in one upfront payment, with potential discounts like a No Claims Discount or a Multi Car discount for insuring multiple cars in the same household. Policy documents and certificates are easily accessible online through their MyAviva portal or sent by post, making it simple to manage your insurance.
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The cancellation process requires contacting Aviva customer service by phone during business hours and understanding the policy terms regarding claims and premiums, which is straightforward but involves some conditions that may affect the refund. The user must also be aware of the 14-day cooling-off period and the implications if a claim has been made, but overall it is not difficult to perform if the customer follows the given instructions.
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minutes to cancel a Aviva car insurance subscription.
How to Cancel Aviva car insurance: Step by Step
If you purchased through Aviva directly:
- Call Aviva customer service at 0345 030 6984.
- Inform the representative that you want to cancel your car insurance policy.
- Be aware of a cancellation fee of £25.
- If you paid the policy upfront, verify your refund details minus the cancellation fee.
- Check your policy documents for your specific cooling-off period (usually 14 days for a full refund).
- Understand that if you cancel after a claim, there will be no refund.
Tips & Tricks for Canceling Aviva car insurance
- Always call Aviva directly to explicitly cancel; not renewing won’t cancel the policy.
- Cancel early in the day and early in the week to avoid potential delays and fees.
- Ask about and negotiate cancellation fees; some users have had fees lowered or waived when citing online system failures or recent payment disputes.
- Keep a record of all communications, especially written confirmation of cancellation.
- State you tried to make changes online but were forced to call—this sometimes gets administrative fees waived.
- Be aware that cancellation fees can be equivalent to a few months of payment, so confirm these charges beforehand.
- Do not assume stopping payments or not renewing cancels coverage; this can lead to collections affecting your credit score.
- If wrongly charged after cancellation, dispute through your bank, especially if no cancellation fee was disclosed in contract documents.
- Escalate to supervisors or managers if simple representatives won’t waive fees.
- Avoid canceling mid-renewal period if possible, to reduce or avoid fees.
- Use polite but firm language, emphasizing you've found better offers elsewhere and want to finalize the cancellation without penalty.
- Some users delayed taking delivery of new vehicles until policy renewal to avoid admin fees for mid-policy changes.
- Check no-claims bonus implications before canceling.
Aviva car insurance Customer Service Info
If you need assistance, here's how you can get in touch with Aviva car insurance's support team.
Cancel Aviva car insurance Script
Script
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Dear Aviva Customer Service,
I hope this message finds you well. I am writing to request the cancellation of my car insurance subscription. Due to a change in my financial circumstances, I am unable to continue with the current policy. I appreciate the support and services provided thus far, but I must prioritize my current situation.
Please let me know if you require any additional information to process this cancellation. Thank you for your understanding.
Best regards,
Frequently Asked Questions
Aviva car insurance cancellation is effective from the date and time entered by the policyholder, with coverage ceasing at midnight on that cancellation date. To cancel, the policyholder must confirm the request, destroy the insurance certificate and disc, and submit a cancellation form including their details; the email used must match Aviva's records. This ensures clear and timely termination of the policy.
To cancel your Aviva car insurance subscription, you do not necessarily need your password if you choose to call their customer service at 1800 333 322 (within Ireland) or +353 1 29 08 208 (from overseas) during business hours (Mon-Fri, 9am-6pm). However, if you want to manage or cancel your policy online via the MyAviva self-service portal, you will need to log in using your password. If you've forgotten your password, you can reset it here: https://insurance.aviva.ie/myaviva/forgotpassword. Note that changes done via phone that could be made online might incur a €25 administration fee.
- Finding cheaper insurance alternatives prompting customers to cancel Aviva car insurance.
- Frustration with Aviva’s online service, such as difficulty changing policy details online and technical issues.
- Concerns about cancellation fees, including fees that apply if cancelling during or after the cooling-off period.
- Losing No Claim Discount (NCD) or having its validity affected due to gaps between policies.
- Failure to provide accurate information leading to cancellation by the provider.
- Failure to make payments causing policy cancellation.
- Suspected fraud resulting in cancellation by insurer.
- Desire to register the car as off-road (SORN) and thereby cancel insurance legally while the car is not used.
- Cancellation affecting customer benefits such as multi-product or multi-car discounts.
- General poor customer service experiences and administrative fees for policy changes causing dissatisfaction.
- Cancellation to avoid automatic renewal charges when policy auto-renews without notifying the insurer.
- Financial difficulties leading to cancellations or seeking alternative cover or financial support.
Aviva car insurance allows you to cancel your policy anytime by notifying them and returning the certificate of motor insurance and windscreen disc. However, if you have made a claim or one has been made against you during the current period, you will not receive any refund and if you pay monthly installments, the balance of the annual premium becomes payable upon cancellation. Refunds are based on short-period rates, decreasing over time, with no refund after 8 months, and you must return the certificate and disc for any refund to be processed.
Before cancelling your Aviva car insurance, know that your coverage will end from the exact cancellation date and time you specify, so you must not drive uninsured afterward. You will lose access to all policy features and protections immediately upon cancellation, including any MotorCare benefits if applicable. If you cancel after the 14-day cooling-off period, Aviva will calculate the premium for the period you were covered and refund any balance unless a claim has been made, in which case no refund is given and outstanding amounts may become due. Additionally, ensure you destroy your insurance certificate and disc as required and be prepared for Aviva to contact you regarding your cancellation request for confirmation and processing.
- Policy number
- Policyholder's full name
- Email address (must match Aviva's records)
- Contact number
- Car registration number
- Date you wish to cancel policy (cannot be prior to today's date)
- Confirmation that you wish to cancel the policy and have destroyed your current car insurance certificate and disc (checkbox/tick to confirm statement)
- Consent to Aviva Direct contacting you regarding your request
We've actually written a step by step guide on how to get a refund from Aviva car insurance. Check it out!
The Easiest Way to Cancel Aviva car insurance
If you’re frustrated trying to cancel your subscription, membership, or bill from Aviva car insurance—or if you didn’t even realize you were being charged—Chargeback can help. Chargeback is a personal subscription manager that automatically detects hidden, recurring charges like Netflix, Hulu, and hundreds of others. With one click, we can cancel unwanted subscriptions, flag suspicious billing, and even initiate refund requests on your behalf. No more waiting on hold or navigating confusing help pages. Just connect your bank or email account, and we’ll take care of the rest.
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What Are Some Alternatives to Aviva car insurance?
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Editorial Note: These articles reflect the opinions of Chargeback's writers. Everyone's situation is unique; therefore, it is important to conduct your own research and note that our self-help tools are not guaranteed to help with any specific problem.
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