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Aviva Car Insurance Snapshot
| Available in Canada? | Yes — Aviva offers personal auto insurance in Canada. |
| Available in Ontario? | Yes. |
| Direct, broker or affinity distribution | Broker distribution plus Aviva Direct. Standard Aviva products are available through insurance representatives/brokers; Aviva Direct lets Ontario customers quote online and finish the purchase with an advisor. |
| Underwriting company | Aviva Insurance Company of Canada is the principal underwriting company. For Aviva Direct in Ontario, the disclosed underwriter is S&Y Insurance Company; both are Aviva Canada subsidiaries. Aviva amalgamated Elite, Traders General and Pilot into Aviva Insurance Company of Canada effective January 1, 2026. |
| How to get a quote | Find an Aviva broker/insurance representative, or start an Aviva Direct quote online and speak with an advisor to complete the purchase. |
| How to report a claim | Submit online/MyAviva or call Aviva 24/7 at 1-866-692-8482. |
| Digital account or app | MyAviva provides online policy access and claim submission. Aviva Journey is a separate telematics app for participating Ontario drivers. |
Aviva Coverage Choices for Ontario Drivers
- Standard and optional personal-auto protection includes Ontario statutory coverage plus optional Collision and Comprehensive/other physical-damage choices, subject to the policy and broker advice.
- Optional features promoted by Aviva include a disappearing deductible and coverage options for replacement transportation/rental needs and newer-vehicle protection; exact endorsements and eligibility should be confirmed with the broker or Aviva Direct advisor.
- Aviva Journey is usage-based insurance in Ontario. New participants receive a 10% enrolment discount, and the renewal premium can decrease or increase based partly on driving behaviour.
- Aviva promotes an electric-vehicle package with an EV discount, towing when the battery loses charge, and an EV subsidy on eligible total-loss claims.
- Aviva provides a commercial insurance solution for Lyft rides in Ontario. Drivers should not assume an ordinary personal-auto policy alone covers rideshare activity.
Read More: What Coverage Ontario Drivers Can Expect
Ways Aviva Customers May Reduce Their Premium
- Combine home and auto policies, insure multiple vehicles, retiree and clean-driving/claims-free discounts.
- Aviva Direct additionally lists conviction-free, graduated-licensing, approved driver-training, winter-tire and approved theft-recovery-device discounts, subject to eligibility.
- Aviva Journey gives a 10% enrolment discount; later pricing may decrease or increase according to the driving profile.
- A dedicated electric-vehicle discount is advertised.
Filing a Claim With Aviva
About Aviva Car Insurance
Descriptions such as premier and claims of quality of service are matters of opinion and not of fact.
Aviva is a UK-based multinational insurance group. It is one of Canada’s major property and casualty insurers, offering automobile, home, business, lifestyle insurance and other insurance coverage.
The origins of Aviva, renamed in 2002, can be traced to its formation from modest beginnings as Hand in Hand Fire & Life Insurance Society in 1696.
In 2000, Commercial Union and General Accident combined to form today’s organization.
Aviva has grown by acquiring dozens of well-known insurance companies.
Aviva Canada serves more than 2.5 million clients and reports having more than 5,000 employees.
Aviva Customer Ratings Beside Other Insurers
| Insurance Provider | Company’s Online Rating |
|---|---|
| Aviva | 4.5/5 |
| Progressive | 2.4/5 |
| Sonnet | 1.5/5 |
| Allstate | 1.7/5 |
| SGI | 3.6/5 |
Aviva Car Insurance Pros & Cons
Considering an Aviva policy? Online reviews outline the biggest pros and cons of buying car insurance from the company.
| Pros | Cons |
|---|---|
| Comprehensive App Management | Significant Price Increases |
| Affordable Premiums | Limited Communication Options |
| Clear Documentation | |
| Prompt Coverage Confirmation | |
| Regulated Company |
What Other Insurance Products Does Aviva Offer?
Options available will depend on the Product and Province. Aviva offers many other types of insurance besides automobile. Aviva offers home, condo, tenant, lifestyle, commercial, and surety insurance.