Aviva Direct

Take control of your car and home insurance with Aviva Direct

Aviva Direct makes it easy to shop, buy and manage your insurance. Get the coverage you need in a few easy steps.

Shop on your own terms

Enjoy the flexibility of shopping for car and home insurance online, whenever, wherever.

Buy with confidence

Get customized coverage to meet your needs. Speak with one of our agents when you’re ready to buy.

Access your insurance online

Log in to MyAviva to access your policy, review documents and manage billing details 24/7.

Unlock insurance savings with Aviva Direct!

Here are some of the ways you could save 1

• Bundling your car and home policy
• Insuring multiple vehicles with Aviva Direct
• Being claim free
• Being mortgage free
• Installing a vehicle theft recovery device 2

Get started today!

Start an online quote

Answer a few questions to see your price and coverage options.

Choose your coverage

Customize your coverage to meet your needs and see how much you can save 1 .

Buy with confidence

Speak with our knowledgeable agents to complete your purchase.

Frequently asked questions

Auto

What information should I provide to get an auto insurance quote/make a purchase?

• Details of all the drivers in your household (or those who have regular access to the vehicle), if applicable
  • Name(s)
  • Date(s) of birth
  • Driver licence class and year received – the dates G1, G2, G were obtained
  • Driving experience: conviction(s) and claim(s) details
  • Vehicle type (year, make, model)
  • Registered owner’s name, address, contact number
  • Vehicle purchase/lease date
  • How you use your vehicle: for pleasure, commute or business

  When you’re ready to buy, keep this information handy:

  • Driver’s licence number(s)
  • The Vehicle Information Number (VIN #) of your vehicle(s)
  • Payment details
  • Leasing/financing company information including name and address, if applicable
  • Driver Training Certificate 3 date and number for all drivers, if applicable
  • Current or previous policy information, if applicable
    

  3 You can obtain the Driver Training Certificate by requesting a driver’s licence history from the Ontario Ministry of Transportation for a nominal fee.

  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 speak with one of our Aviva Direct agents at 1-844-872-3814, Monday to Friday from 8:00am to 8:00pm ET and Saturday from 8:30am to 4:30pm ET, for assistance.

  Do you provide auto insurance for older vehicles?

  For vehicles 20 years and older, we will require you to pass a government-approved mechanical safety inspection and obtain a certificate. Once this safety certificate is provided to us, your application will be subject to our review and approval. To find out more information, please speak with one of our Aviva Direct agents at 1-844-872-3814, Monday to Friday from 8:00am to 8:00pm ET and Saturday from 8:30am to 4:30pm ET.

  I have out-of-province or out-of-country driving experience. Can I get a quote online?

  If you have out-of-country or out-of-province driving experience, please call one of our Aviva Direct agents at 1-844-872-3814, Monday to Friday from 8:00am to 8:00pm ET and Saturday from 8:30am to 4:30pm ET, to have your driving experience validated and get a quote.

  Can I get a quote online if I do not have the standard 1 year period between G1, G2, and G?

  If you do not have the standard 1 year period between your G1, G2 and G licences (or the permitted 8 months between G1 and G2 with an approved Ontario Driver Training Certificate 3 ), you will need to call one of our Aviva Direct agents at 1-844-872-3814, Monday to Friday from 8:00am to 8:00pm ET and Saturday from 8:30am to 4:30pm ET, to get your driving experience validated before we can determine a quote for you. 3 You can obtain the Driver Training Certificate by requesting a driver’s licence history from the Ontario Ministry of Transportation for a nominal fee.

  I am using my vehicle for ridesharing. Do I qualify for auto insurance?

  Your personal auto insurance will not cover you if you’re using your vehicle to carry paying passengers or for a ridesharing service like Uber/Lyft. You will need an add-on such as the Coverage for Ridesharing endorsement from Aviva Direct. To add this endorsement to your policy, please speak with one of our Aviva Direct agents at 1-844-872-3814, Monday to Friday from 8:00am to 8:00pm ET and Saturday from 8:30am to 4:30pm ET.

  How long is my quote valid for?

  Your quote is valid for 30 days from the date you quote with us, provided that none of the information you gave us changes.

  Can I choose my auto insurance coverage?

  By law, you’re required to have certain minimum coverages. In addition to this, there are optional coverages that you can choose to extend protection against perceived risks. For example, add-ons such as the Accident Rating Waiver and Conviction Protector will give you an extra layer of protection against rate increase due to an at-fault claim or driving conviction. Alternatively, you can opt for just the minimum required insurance as well. To get your preferred coverage, please speak with one of our Aviva Direct agents at 1-844-872-3814, Monday to Friday from 8:00am to 8:00pm ET and Saturday from 8:30am to 4:30pm ET.

  What determines my auto insurance rate?

  • 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 that we propose and use to calculate your premiums are filed with and approved by the regulators.

  How can I save on auto insurance?

  • As a first step, get a quote online—it’s free. Also, the coverage options that you get (for your listed vehicles) after completing the online auto quote save you time searching for the right insurance.
  • You could claim your reward for maintaining a good driving record with the Conviction Free Discount!
  • You could save with our Graduated Licensing Discount—applicable for the first year when you move from G1 to G2 or G2 to G.
  • Have a driver training certificate that you can show-off? Make the most of it: a certificate from a ministry-approved driving school earns you credit in terms of your driving record, which may help lower your auto insurance premiums.
  • The best savings come in bundles! As an existing or prospective homeowner (house, condo) or tenant, you or your spouse can bundle your principal home and auto policies with Aviva Direct and benefit from a Combined Policy Discount.
  • Aviva Direct rewards a safety-first approach to driving with the Winter Tire Discount.
  • Multi-Vehicle Discount: insuring more than one vehicle (belonging to you or your spouse) with us is not just a matter of convenience—it’s convenience at a discounted premium.
  • Retiree Discount: If you’re retired, you may benefit from a discount off your premium for accident benefits coverage and uninsured auto coverage.
  • Theft Recovery Device Discount: Get rewarded for taking steps to safeguard your vehicle. Vehicles with a professionally installed, activated, Aviva approved theft recovery device could save up to 20% on certain coverages. 2
  • Sign up for Aviva Journey! New users can enjoy a 10% enrollment discount, tips on safe driving and a personalized premium, which can decrease or increase, based on your driving habits. 2
  
  

  Why buy auto insurance from Aviva Direct?

  • It’s digital, it’s Direct: in just 3 minutes—and in your own time—you can get a competitive quote and coverage options that work best for you.
    
  • Personalized touch: with a quick phone call and guidance from our knowledgeable insurance agents, you can bind your policy—confidently.
    
  • An efficient claims process: Customer service is our number 1 priority. Making an auto insurance claim with Aviva Direct is easy and starts with you filling out an online submission form. Alternatively, you can call 1-866-MY Aviva (1 866-692-8482) to speak with a claim representative. You will have the benefit of working with a dedicated claims team whose goal is to handle your request quickly and fairly.

  Can I make changes to my auto insurance policy?

  You can make changes to your auto insurance policy any time during the policy term. To change the address on your policy, add or remove coverage, substitute a vehicle, or for any other requests, please call an Aviva Direct agent at 1-844-872-3814, Monday to Friday from 8:00am to 8:00pm ET and Saturday from 8:30am to 4:30pm ET. If you would like to change your payment method or billing date, please log into your MyAviva portal and go to "Documents and Billing" > "Payment details". Please contact an Aviva Direct agent in case you need help accessing your MyAviva account or resetting your password.

  How do I request a pink slip, letter of experience, or access my policy documents?

  To access your policy documents, please log into your MyAviva portal and click on "Your policies" > "Documents" > "Auto/Property Policy Package". For assistance in locating your policy documents and pink slip, questions about your policy, obtaining a letter of experience, or any other general inquiry, please call an Aviva Direct agent at 1-844-872-3814, Monday to Friday from 8:00am to 8:00pm ET and Saturday from 8:30am to 4:30pm ET. If you’ve not received your pink slip in the mail within 7-10 business days of your purchase, you can contact an Aviva Direct agent to request one.

  How do I know my information is safe?

  At Aviva Direct, we are committed to keeping your personal information safe. Read our privacy policy to learn about the best practices and principles we follow for the collection, protection, use and disclosure of personal information. Another priority for Aviva Direct is consumer education about insurance fraud. Detecting and preventing fraud is a collective effort by both Aviva Direct and our Customers. Learn more about what we’re doing to avoid falling victim to an insurance scam. Visit our Fraud Hub today; empower yourself to recognize and prevent insurance fraud.

  Home

  Why do I need tenant insurance?

  • Loss or damage to your personal belongings in the property you rent.
  • Additional living expenses, while the property you rent is undergoing repairs after an insured loss.
  • Personal Liability Protection against third-party claims for accidental bodily injury or property damage. Example: accidental slip and fall claims on your property.

  Tenant insurance is not mandatory in Ontario, but your landlord may ask for it as part of the rental agreement. You will have peace of mind knowing the things you own are insured in the event of an unforeseen incident.

  How did you get information about my property?

  As part of the online quote process, we ask for your consent to collect third-party data about your property. We rely on the up-to-date information that you provide in your quote online and third-party data to determine the cost of insurance for your property.

  What do I need in order to make a purchase?

  1. Your quote # — if you’re calling an Aviva Direct agent to make your purchase.
  2. Payment details:
     1. Credit or debit card information (Visa, Mastercard, AMEX, Visa debit and Mastercard debit) — to make a down payment or pay annually.
     2. Bank account details like institution number, transit number, account number — to pay monthly.

     Based on the information you provide in your quote online and your insurance needs, you may be eligible to buy online, or you may need to call one of our Aviva Direct agents to complete your purchase.

     Do I need sewer backup and overland water coverage?

     1. Caused by an overflow from freshwater bodies like lakes and rivers; or
     2. Due to the unusual and rapid accumulation of water caused by heavy rains or melting snow.

     Please call one of our Aviva Direct agents to find out more about this endorsement.

     Water could also escape from a sewer, septic tank, or a sump pump. As with Overland Water, Sewer Backup is optional but a good endorsement to have, regardless of whether you own or rent your property.

     You need to purchase Sewer Backup in order to be eligible for the Overland Water endorsement.

     Can I insure my rental property only?

     You can insure your rental property with us only if your primary residence (home or condo) is also insured with Aviva Direct. At this time, we do not offer insurance for standalone rental properties.

     Do I qualify if I do Airbnb?

     If you’re using your property for a venture like Airbnb, home sharing, or for short-term rentals, you are, unfortunately, not eligible for coverage with Aviva Direct.

     What affects my home insurance premium? / How can I reduce my home insurance premium?

     1. Address: the location of your property and the claims history of the surrounding neighborhood may influence how much you will pay for home insurance.
     2. Age: the cost of insurance may vary depending on when the home was built, and the construction methods/materials used.
     3. Heating system: thermostatically-controlled electric baseboards, heat pumps, electric-natural gas combination furnaces, etc. are some of the acceptable heating systems that cost less to insure, compared to wood stoves and oil furnaces.
     4. Fire safety: homes located within a short distance of a fire hydrant account for better protection, and therefore may cost less to insure.
     5. Replacement cost of your house: how much will it cost to rebuild your house? The higher the replacement cost, the higher your insurance will be.

     Knowing what affects your insurance costs can help you take measures to save more. Here are some of the ways you can save:
     

     1. Increase your deductible: a deductible is the amount you pay out-of-pocket in the event of an insured claim, while your insurer pays the rest — subject to the limits mentioned in your policy. The higher your deductible, the lower your insurance premium.
     2. Discounts: based on the risk characteristics, the following discounts may be applicable:
        1. Claim Free Discount: depending on your claims and insurance history, you may qualify for a discount.
        2. Combined Policy Discount: Do you (or your spouse/common law partner) have an auto policy (for private passenger vehicles) with Aviva Direct? By insuring your home (primary residence only) and auto policies with Aviva Direct, you may qualify for a bundle discount.
        3. Mortgage Free Discount: this discount may be available if you’re a homeowner with no mortgage, no secured line of credit, and no other interested party listed against the home on the policy.
        4. Buy-Online Discount: based on the information you provide in your quote online and your insurance needs, you may be eligible to complete your purchase online — and get a discount.

        Get a quote online or call one of our Aviva Direct agents to find out what discounts you may qualify for.

        Does my policy cover personal belongings in my home?

        Aviva Direct home insurance automatically includes coverage for your personal belongings. The coverage limits could vary depending on the risk associated with insuring your home. Your home insurance policy may also specify limits and sub-limits on coverage for items such as bicycles, collectibles, jewellery, computer software, books, money, securities, etc.
        These coverage limits may not always be enough, especially when you have high-value items. Additional coverage for certain high-value items may be available (scheduled articles) — subject to certain criteria and the limits mentioned in your policy.
        

        Is property insurance the same as fire insurance?

        Fire is an insured peril in your standard homeowners, tenant, or condo insurance policy with Aviva Direct. The premium could vary depending on the home’s proximity to a fire hydrant.

        Should I notify Aviva Direct if I’m going on a trip and no one will be at my home?

        1. You used reasonable care to maintain heat in the dwelling (please call an Aviva Direct agent to learn what reasonable care means); or
        2. Shut off and drained the water system and domestic water containers.

        Does my policy cover theft?

        Depending on your policy with Aviva Direct, you may be covered for theft — up to the specified limits. An example of theft could be someone breaking into your home and stealing electronics. If you have expensive artwork, sports gear, jewelry, electronics or other high-value items at home, you may need to schedule these (that means extending coverage limits for individual items beyond the standard protection provided in your policy). You could also get added protection against cyber theft (cybercrime) with the Cyber Endorsement. Please call one of our Aviva Direct agents to learn more.

        Does my policy cover home renovations?

        • Adding another floor
        • Adding a garage or replacing an existing garage (attached or detached)
        • Removing load bearing walls
        • Any other renovations that require building permits and/or sign off by a licensed tradesperson

        If any of your planned renovations meet the above criteria – please call an Aviva Direct agent to discuss further details and next steps.

        We’re a phone call away for questions about your quote or coverage options

        Mon – Fri: 8AM – 8PM, Sat: 8:30AM – 4:30PM (ET)

        Terms & Conditions

        This is a webpage of Aviva Agency Services Inc., also referred to throughout this webpage as "Aviva Direct". We distribute insurance products underwritten by S&Y Insurance Company, Aviva Insurance Company of Canada and Traders General Insurance Company. The insurance products we distribute in Ontario are underwritten by S&Y Insurance Company.

        Aviva Agency Services Inc., S&Y Insurance Company, Aviva Insurance Company of Canada and Traders General Insurance Company are all subsidiaries of Aviva Canada Inc.

        The content on this page is for information purposes only.

        To bind your insurance policy, you will need to speak with an Aviva Direct insurance agent who can help you. In the event of a conflict or discrepancy between the information on this webpage, from the “Get a quote”, "Get a car quote", "Get a home quote" webpages and your insurance policy, the terms of your insurance policy will prevail. Not all people who call in will qualify for a telephone or online quote. The insurance products described on this webpage, “Get a quote”, "Get a car quote" and "Get a home quote" webpages are subject to terms, conditions, restrictions, and exclusions, which are outlined in our final policy wording.

        1 All savings opportunities are based on filed discounts and rates and may vary based on each individual's insurance profile and are not guaranteed. Additional exclusions and conditions apply for product coverages and discounts. For the Combined Policy Discount, you could save on average, approximately $640, (up to 15% discount on select auto insurance coverages and up to 20% discount on select home insurance coverages, savings are calculated based on average new business insurance premiums of $5,300 in Ontario for a homeowners policy and one vehicle). Certain conditions, limitations and exclusions may apply. For detailed information about how savings could apply to you, please speak with an Aviva Direct insurance agent.
        

        2 Available in Ontario. For specific information about a product, or exact terms, conditions, coverage, definitions, exclusions and limitations, please refer to the insurance policy wording or speak with an Aviva Direct insurance representative. The Theft Recovery Device is applied to the Comprehensive, Specified Perils and the Comprehensive portion of All Perils coverage specifically. Currently approved theft recovery devices are: Tag, KYCS. Tag and KYCS are third party product and service providers contracted by Aviva Canada Inc. The discount will be available for 3 years from the date of installation. Proof of installation is required. The date of installation must be documented in the policy system.

        Discounts and savings are subject to eligibility and vary by province or territory and product type.

        For detailed information about how savings could apply to you, please speak with an Aviva Direct insurance agent.

        Aviva and the Aviva logo are trademarks and under license from the licensor.

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