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Car and home insurance

Start with a car quote online and our advisors will guide you to your bundled savings.

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Why bundle your car and home insurance with Aviva Direct?

By bundling with Aviva Direct, you'll enjoy exclusive savings and the convenience of managing your car and home insurance in one place.

Combine and save

Protect your car and home with Aviva Direct, all in one place and enjoy extra savings. 1

Personalized coverage

Customize your policy with a variety of options to fit your needs.

24/7 claim service

We'll be there when you need us - connect quickly with our team whenever, wherever.

2.4M

trusting Aviva customers nationwide

2,000+

claims professionals and mobile teams nationwide

1,900+

trusted vendor partners nationwide for home and auto

$580

average savings on combined auto and home policies in Ontario 1

Get Auto and Home Repairs Guaranteed for Life 2
Enjoy a Lifetime Guarantee on claim-related repairs by our Preferred Network Auto Repair Centres and Preferred Contractor Network vendors, for as long as you own the vehicle or property.

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What are the coverages for car and home insurance in Ontario?

Below are the mandatory coverage for car insurance and standard coverage for home insurance in Ontario. Aviva Direct also offers many optional coverages to help you customize your policy - speak with an Aviva Direct advisor to create a policy that fits your needs.
Speak with an Aviva Direct advisor to learn more about your coverage options
Mandatory Car Coverage
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Third-Party Liability

Provides payment for claims made against you in the event of injury, death or property damage.

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Statutory Accident Benefits Coverage

Protects you in an accident, including healthcare costs and loss of income.

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Uninsured Automobile Coverage

Protects you if you are injured or killed by an uninsured motorist or a hit-and-run driver.

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Direct Compensation Property Damage

Protects you if your car or its contents are damaged in an accident, when you are not at-fault.

Standard Home Coverage
Accidental and Weather-related Property Damage

Protects your home for weather-related accidents, such as damage caused by tornado, hail, strong winds, or lightning.

Belongings and Contents

Protects your personal belongings in the event they are damaged or lost.

Personal Liability

Provides legal protection to you and the people in your home if you’re sued by a visitor or neighbour for injuries or damage you may have accidentally caused.

Save more on your bundled car and home insurance

Aviva Direct offers many ways to save. Be sure to ask our advisor about eligibility for the discounts below. 1

  • Multi-vehicle Discount

    Have more than one vehicle to insure? No problem, we've got you covered, and you can enjoy additional savings. 

  • Mortgage Free Discount

    Save on your premium when the home you're looking to insure does not have a mortgage.

  • Conviction-free Discount

    Save on your premium if all operators of the insured vehicle are free of convictions for the last 3 years. 
Do you have an approved theft-recovery system installed on your car? 3
With an Aviva-approved theft-recovery system installed on your car, you could get your vehicle back faster and reduce disruption to your day-to-day. And if you drive a high-risk model, you may qualify for a waived surcharge or a waiver of depreciation coverage.
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Frequently asked questions

For any other questions about your quote or coverage options, call us at 1-855-788-9090.
Monday to Friday: 8:00am to 8:00pm ET
Saturday: 8:30am to 4:30pm ET
What do I need to make a purchase?
To ensure your policy is accurate and complete, we’ll need the following information for all individuals and assets you’d like included:
  • Your quote ID
  • Verbal consent from other named insureds
  • Payment details (we accept Visa, Mastercard, AMEX, Visa debit, Mastercard debit or direct deposit)
  • For direct deposit, please have the following information: institution number, transit number, account number
  • For car insurance – Vehicle Information Number (VIN), driver's license numbers
  • For home insurance - the name and full postal address of your mortgage institution
  • Details of your current or previous insurance policies, if applicable — including the insurance company’s name, policy number, policy start date, and expiration date
What determines my car insurance rate?
Many factors go into determining your car insurance premium, including:
  • How many years of experience you have as a licensed driver
  • How you use your vehicle—whether for pleasure, commute or business
  • Driving convictions and past claims
  • Information about your vehicle including the make, model, and model-year
The rates we used to calculate your premiums are filed with and approved by the regulators.
How can I save on car insurance?
Knowing what affects your insurance costs can help you take measures to save more. If eligible - here are some of the ways you can save: 1
  • Increase your deductible to lower your insurance premium 
  • Conviction Free Discount
  • Combined Policy Discount
  • Multi-vehicle Discount
To find out what discounts you may qualify for, speak with an Aviva Direct advisor today.
What determines my home insurance rate?
Many factors go into determining your home insurance premium, including:
  • The location of your home, when it was built, construction materials used, heating system used, and more
  • Environmental factors in the area where your home is located
  • If you use your home for home-based business
  • Your claims history
How can I save on home insurance?
Knowing what affects your insurance costs can help you take measures to save more. If you're eligible – here are some of the ways you can save: 1
  • Increase your deductible to lower your insurance premium
  • Claim Free Discount
  • Combined Policy Discount
  • Mortgage Free Discount
To find out which discounts you may qualify for, speak with an Aviva Direct advisor today.
How long is my quote valid for?
Your quote is valid for 30 days from the date we issued it to you, as long as none of the information you provided has changed or is incorrect.
Can I quote for more than one vehicle?
You can get a quote online for a maximum of 2 vehicles and/or 2 drivers.

If you are looking to add more vehicles/drivers to your policy, please call 1-855-788-9090 to speak with one of our Aviva Direct advisors.
Why buy car and home insurance from Aviva Direct?
Aviva Direct offers the convenience of shopping for car and home insurance from the comfort of your home.

When the timing is right, get a competitive quote and coverage options tailored to your needs.

With a quick phone call and guidance from our knowledgeable insurance advisors, you can purchase a policy with confidence.

Get started with Aviva Direct today

Get an online quote in minutes and get coverage that you can trust to fit your needs.

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