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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 for you in unexpected times of need – connect quickly with our team whenever, wherever.

    2.4M

    trusted customers in Canada

    20+

    policy customizations available

    98%

    of claims paid out in 2022

    $525

    average savings on combined policies in Ontario 1

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    Bundle car and home insurance,
    save up to $525 on average 1
    Get a quote online in minutes.
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    What does auto insurance in Ontario cover?

    In Ontario, each auto insurance policy contains mandatory and optional coverages. Aviva Direct offers a variety of optional coverages to customize your policy and fit your needs.

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    Mandatory Coverage

    • Third-Party Liability

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

    • Statutory Accident Benefits Coverage

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

    • Uninsured Automobile Coverage

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

    • 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

    • 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.

    • Speak with an Aviva agent to learn more about coverages
    Save more on your car insurance
    Aviva Direct offers a variety of ways to save. Be sure to ask your agent about eligibility for the below discounts. 1
    Have more than one vehicle to insure? No problem, we’ve got you covered, and you can enjoy additional savings. 1
    Percent symbol with two cars to represent a multi-vehicle discount.
    Enjoy extra savings with Aviva Direct when you bundle your car and home insurance policies, all in one place. 1
    Car parked in front of a house.
    Save on your premium if all operators of the insured vehicle are free of convictions for the last 3 years. 1
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    Do you have an approved theft-recovery system installed on your car?

    With an Aviva-approved theft-recovery system installed in your vehicle, you could avoid high replacement costs and qualify for a discount. 2

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    Discover the benefits of our Electric Vehicle insurance

    Take charge of your carbon footprint with an Electric Vehicle insurance discount, free towing when your battery loses its charge on the road, and an EV subsidy on total loss claims.

    Take charge with Aviva
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    Frequently asked questions

    For any other questions about your quote or coverage options, call us: 1-855-788-9090

    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

    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.

    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 agent today.

    Your quote is valid for 30 days from the date you quote with us, provided that none of the information you provided in this quote has changed or is incorrect.

    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 speak with one of our Aviva Direct agents at 1-855-788-9090, Monday to Friday from 8:00am to 8:00pm ET and Saturday from 8:30am to 4:30pm ET.

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


    In your own time—you can get a competitive quote and coverage options that work best for you.


    With a quick phone call and guidance from our knowledgeable insurance agents, 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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