Can I Cancel My Aviva Car Insurance Early?

How to Do It?

If you’re looking to cancel your Aviva car insurance early, there are a few steps you’ll need to take. The process will vary depending on the type of Aviva policy you’ve taken out and how long you’ve had it for. Generally speaking, if you’ve only had your policy for a few months, you may be able to cancel it without having to pay a cancellation fee. However, if you’ve had your policy for longer, you may have to pay in order to cancel it.

Cancelling a Short Term Policy

If your policy has been in force for less than 14 days, you can cancel it without any penalty. All you need to do is contact Aviva and inform them that you wish to cancel your policy. They’ll then refund your premium payments in full, minus any administration fees that may apply. If you’ve had your policy for longer than 14 days, you can still cancel it, but you may have to pay a cancellation fee. The amount you’ll need to pay will depend on how long you’ve had your policy for.

Cancelling a Long Term Policy

If you’ve had your policy for more than 14 days, you may have to pay a cancellation fee. The amount you’ll need to pay will depend on how many months you’ve had your policy for. If you’ve had your policy for more than 12 months, you may have to pay a cancellation fee of up to 90% of the remainder of your premiums. If you’ve had your policy for less than 12 months, you may have to pay a cancellation fee of up to 75% of the remainder of your premiums.

Cancelling a Multi-Car Policy

If you have a multi-car policy, things can get a little more complicated when it comes to cancelling your policy early. If you want to cancel one of the cars from your policy, you’ll generally have to pay a cancellation fee just like with a single-car policy. However, if you want to cancel the entire policy, you may not have to pay a cancellation fee. This is because multi-car policies usually have a ‘pro-rata’ system in place, which means that your premiums are split between the cars on the policy. If you cancel the policy, the remaining premiums are refunded to you.

Cancelling a Policy for Non-Payment

If you’ve failed to pay your premium, Aviva may cancel your policy. If this happens, you won’t be able to get a refund on any of the premiums you’ve paid. However, you may be able to reinstate your policy by paying the overdue premium, plus any administration fees that may apply. It’s important to note that if your policy has been cancelled for non-payment, you won’t be able to make any claims on the policy.