Aviva Direct

To get a quote, you’re required to provide the following:

• Details of all the drivers in your household (or those who have regular access to the vehicle), if applicable 
  • Name(s) 
  • Date(s) of birth 
  • Driver licence class and year received – the dates G1, G2, G were obtained 
  • Driving experience: conviction(s) and claim(s) details 
• Vehicle(s) details 
  • Vehicle type (year, make, model) 
  • Registered owner’s name, address, contact number 
  • Vehicle purchase/lease date 
  • How you use your vehicle: for pleasure, commute or business 

When you’re ready to buy, keep this information handy:

• Driver’s licence number(s)
• The Vehicle Information Number (VIN #) of your vehicle(s) 
• Payment details 
• Leasing/financing company information including name and address, if applicable 
• Driver Training Certificate¹ date and number for all drivers, if applicable 
• Current or previous policy information, if applicable

¹You can obtain the Driver Training Certificate by requesting a driver’s licence history from the Ontario Ministry of Transportation for a nominal fee

Your quote is valid for 30 days from the date you quote with us, provided that none of the information you gave us changes.

You can get a quote for a maximum of 2 vehicles and/or 2 drivers online. If you are looking to add more vehicles/drivers to your policy, please call one of our Aviva Direct agents for assistance.

We consider many factors when determining your auto insurance rate, such as

• How many years of experience you have as a licensed driver 
• How you use your vehicle—whether for pleasure, commute or business 
• Driving violations (convictions) and past claims 
• Where you live 
• Information about your vehicle including the make, model and model-year 

The rates we use to calculate your premiums are filed with and approved by the regulators.

By law, you’re required to have certain minimum coverages. In addition to this, there are optional coverages that you can choose to extend protection against perceived risks. For example, add-ons such as the Accident Rating Waiver and Conviction Protector will give you an extra layer of protection against rate increases due to an at-fault claim or driving conviction, if eligible.

Alternatively, you can opt for just the minimum required insurance as well; please call one of our Aviva Direct agents to get your preferred coverage.

As a first step, get a free quote online, then speak with our agents to see if you qualify for any of the following savings or discounts*:

• You could claim your reward for maintaining a good driving record with the Conviction Free Discount!
• You could save with our Graduated Licensing Discount—applicable for the first year when you move from G1 to G2 or G2 to G.
• Have a driver training certificate that you can show-off? Make the most of it: a certificate from a ministry-approved driving school earns you credit in terms of your driving record, which may help lower your auto insurance premiums.
• The best savings come in bundles! As an existing or prospective homeowner (house, condo) or tenant, you or your spouse can bundle your principal home and auto policies with Aviva Direct and benefit from a Combined Policy Discount. 
• Aviva Direct rewards a safety-first approach to driving with the Winter Tire Discount.
• Multi-Vehicle Discount: insuring more than one vehicle (belonging to you or your spouse) with us is not just a matter of convenience—it’s convenience at a discounted premium. 
• Retiree Discount: If you’re retired, you may benefit from a discount off your premium.

Your personal auto insurance will not cover you if you’re using your vehicle to carry paying passengers or for a ridesharing service like Uber/Lyft. You will need an add-on such as the Coverage for Ridesharing endorsement from Aviva Direct. Please call one of our Aviva Direct agents to add this endorsement to your policy.

Aviva Direct offers the convenience of shopping for home or auto insurance from the comfort of your home.

• It’s digital, it’s Direct: in just 3 minutes—and in your own time—you can get a competitive quote and coverage options that work best for you.
• Personalized touch: with a quick phone call and guidance from our knowledgeable insurance agents, you can bind your policy—confidently.
• An efficient claims process: Customer service is our number 1 priority. Making an auto insurance claim with Aviva Direct is easy and starts with you filling out an online submission form. Alternatively, you can call 1-866-MY Aviva (1 866-692-8482) to speak with a claim representative. You will have the benefit of working with a dedicated claims team whose goal is to handle your request quickly and fairly.

If you have out-of-country or out-of-province driving experience, please call one of our Aviva Direct agents to have your driving experience validated and get a quote.

If you do not have the standard 1 year period between your G1, G2 and G licences (or the permitted 8 months between G1 and G2 with an approved Ontario Driver Training Certificate¹), you will need to call one of our Aviva Direct agents to get your driving experience validated before we can determine a quote for you.

¹You can obtain the Driver Training Certificate by requesting a driver’s licence history from the Ontario Ministry of Transportation for a nominal fee.

You can make changes to your auto insurance policy any time during the policy term. To change the address on your policy, add or remove coverage, substitute a vehicle, or for any other requests, please call one of our Aviva Direct agents.

If you would like to change your payment method or billing date, please log into your MyAviva portal and go to “Documents and Billing” > “Payment details”. Please call an Aviva Direct agent in case you need help accessing your MyAviva account or resetting your password.

To access your policy documents, please log into your MyAviva portal and click on “Your policies” > “Documents” > “Auto/Property Policy Package”.

For assistance in locating your policy documents and pink slip, questions about your policy, obtaining a letter of experience, or any other general inquiry, please call one of our Aviva Direct agents.

If you’ve not received your pink slip in the mail within 7-10 business days of your purchase, you can contact an Aviva Direct agent to request one.

Tenant insurance protects you in case of accidental loss or liability you face as a tenant. Coverage could include:

• Loss or damage to your personal belongings in the property you rent.
• Additional living expenses, while the property you rent is undergoing repairs after an insured loss.
• Personal Liability Protection against third-party claims for accidental bodily injury or property damage. Example: accidental slip and fall claims on your property.

Tenant insurance is not mandatory in Ontario, but your landlord may ask for it as part of the rental agreement. You will have peace of mind knowing the things you own are insured in the event of an unforeseen incident.

As part of the online quote process, we ask for your consent to collect third-party data about your property. We rely on the up-to-date information that you provide in your quote online and third-party data to determine the cost of insurance for your property.

You will need to provide the following information when you are ready to buy:

1. Your quote # — if you’re calling an Aviva Direct agent to make your purchase.
2. Payment details:
   1. Credit or debit card information (Visa, Mastercard, AMEX, Visa debit and Mastercard debit) — to make a down payment or pay annually.
   2. Bank account details like institution number, transit number, account number — to pay monthly.
3. Personal information and verbal consent from other named insureds.
4. The name and full postal address of your mortgage institution, if applicable.
5. Details of current or previous home insurance policy, if applicable — including the insurance company’s name, policy number, policy start date and expiration date.

Based on the information you provide in your quote online and your insurance needs, you may be eligible to buy online, or you may need to call one of our Aviva Direct agents to complete your purchase.

Water damage is a known risk across Canada and occurs not just in homes situated in low-lying areas or those close to water bodies, but also due to weather-related events.

Overland Water is an optional coverage in Ontario and not included in your standard home insurance policy. It offers protection against loss or damage to your property and personal belongings:

1. Caused by an overflow from freshwater bodies like lakes and rivers; or
2. Due to the unusual and rapid accumulation of water caused by heavy rains or melting snow.

Please call one of our Aviva Direct agents to find out more about this endorsement.

Water could also escape from a sewer, septic tank, or a sump pump. As with Overland Water, Sewer Backup is optional but a good endorsement to have, regardless of whether you own or rent your property. 

You need to purchase Sewer Backup in order to be eligible for the Overland Water endorsement.

You can insure your rental property with us only if your primary residence (home or condo) is also insured with Aviva Direct. At this time, we do not offer insurance for standalone rental properties.

If you’re using your property for a venture like Airbnb, home sharing, or for short-term rentals, you are, unfortunately, not eligible for coverage with Aviva Direct.

We consider many variables related to your home to determine the right premium for you. Some of these include:

1. Address: the location of your property and the claims history of the surrounding neighborhood may influence how much you will pay for home insurance.
2. Age: the cost of insurance may vary depending on when the home was built, and the construction methods/materials used.
3. Heating system: thermostatically-controlled electric baseboards, heat pumps, electric-natural gas combination furnaces, etc. are some of the acceptable heating systems that cost less to insure, compared to wood stoves and oil furnaces.
4. Fire safety: homes located within a short distance of a fire hydrant account for better protection, and therefore may cost less to insure.
5. Replacement cost of your house: how much will it cost to rebuild your house? The higher the replacement cost, the higher your insurance will be.

Knowing what affects your insurance costs can help you take measures to save more. Here are some of the ways you can save:

1. Increase your deductible: a deductible is the amount you pay out-of-pocket in the event of an insured claim, while your insurer pays the rest — subject to the limits mentioned in your policy. The higher your deductible, the lower your insurance premium.
2. Discounts: based on the risk characteristics, the following discounts may be applicable:
   1. Claim Free Discount: depending on your claims and insurance history, you may qualify for a discount. 
   2. Combined Policy Discount: Do you (or your spouse/common law partner) have an auto policy (for private passenger vehicles) with Aviva Direct? By insuring your home (primary residence only) and auto policies with Aviva Direct, you may qualify for a bundle discount.
   3. Mortgage Free Discount: this discount may be available if you’re a homeowner with no mortgage, no secured line of credit, and no other interested party listed against the home on the policy.
   4. Buy-Online Discount: based on the information you provide in your quote online and your insurance needs, you may be eligible to complete your purchase online — and get a discount.

Get a quote online or call one of our Aviva Direct agents to find out what discounts you may qualify for.

Aviva Direct home insurance automatically includes coverage for your personal belongings. The coverage limits could vary depending on the risk associated with insuring your home.

Your home insurance policy may also specify limits and sub-limits on coverage for items such as bicycles, collectibles, jewellery, computer software, books, money, securities, etc.

These coverage limits may not always be enough, especially when you have high-value items. Additional coverage for certain high-value items may be available (scheduled articles) — subject to certain criteria and the limits mentioned in your policy.

Fire is an insured peril in your standard homeowners, tenant, or condo insurance policy with Aviva Direct. The premium could vary depending on the home’s proximity to a fire hydrant.

If you’d like to know what measures you can take to protect your house while you’re away, please call one of our Aviva Direct agents.

We do not insure loss or damage caused by freezing during the usual heating season, if you’ve been away from your dwelling for more than 8 consecutive days; but you will still be insured if the following precautions have been taken:

1. You used reasonable care to maintain heat in the dwelling (please call an Aviva Direct agent to learn what reasonable care means); or
2. Shut off and drained the water system and domestic water containers.

Depending on your policy with Aviva Direct, you may be covered for theft — up to the specified limits. An example of theft could be someone breaking into your home and stealing electronics.

If you have expensive artwork, sports gear, jewelry, electronics or other high-value items at home, you may need to schedule these (that means extending coverage limits for individual items beyond the standard protection provided in your policy).

You could also get added protection against cyber theft (cybercrime) with the Cyber Endorsement.

Please call one of our Aviva Direct agents to learn more.

Cosmetic renovations are covered under your home policy.

Major renovations that fall under the following criteria require permission from Aviva:

• Adding another floor
• Adding a garage or replacing an existing garage (attached or detached)
• Removing load bearing walls
• Any other renovations that require building permits and/or sign off by a licensed tradesperson

If any of your planned renovations meet the above criteria – please call an Aviva Direct agent to discuss further details and next steps.