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Car insurance

Save an average of $580 when you bundle your car and home insurance 1

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Why choose Aviva Direct car insurance?

Aviva Direct makes it easy to quote, buy, and manage your insurance - confidently.

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 auto and home

$580

average savings on combined auto and home policies in Ontario 1

Get Auto Repairs Guaranteed for Life 2
Enjoy a Lifetime Guarantee on repairs by our Preferred Network Auto Repair Centres, for as long as you own the vehicle.

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What does auto insurance in Ontario cover?

In Ontario, each auto insurance policy has mandatory and optional coverages.
Starting July 1, 2026, Ontario is making auto insurance more flexible.
To learn more, visit here or speak to an Aviva Direct advisor. 
Speak with an Aviva Direct advisor to learn more about coverages
Mandatory 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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Standard Medical, Rehabilitation, and Attendant Care Benefits

Covers medical expenses, therapy, and personal care assistance for injuries from an accident, regardless of who caused the accident.

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Uninsured Automobile Coverage

Protects you if you’re injured or involved in a fatal accident caused 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.

Optional Coverage
Accident Benefits

Get additional medical and other optional accident benefits after an accident, no matter who’s at fault. To learn more, visit here.

Comprehensive Coverage

Protects you against damage not caused by a collision, including theft, vandalism, falling objects, and more.

Collision Protection Coverage

Protects your car against damage in a car accident, even when you’re at-fault, such as if you hit another vehicle.

Save more on your car insurance

Aviva Direct offers many ways to save. Be sure to ask your advisor about eligibility for the discounts below. 1
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  • Multi-vehicle Discount

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

  • Combined Policy Discount

    Enjoy extra savings when you bundle your car and home insurance policies with Aviva Direct. 

  • Conviction Free Discount

    Save on your premium if all operators of the insured vehicle are free of convictions for the last 3 years. 
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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?
For all individuals and assets who will be listed in the policy, the following information is required:
  • 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 auto 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 auto insurance rate?
Many factors go into determining your auto 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 violations (convictions) and past claims
  • Where you live
  • 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 auto 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.
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 auto insurance from Aviva Direct?
Aviva Direct offers the convenience of shopping for auto or 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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