Aviva Scheme Motor FAQ's

Who do I call to make a claim on my motor insurance?

You should notify the underwriter of the policy about an accident as soon as possible. If you wish to report a new claim or discuss an existing claim, please contact Aviva, the underwriter of your policy on 1890 666 888.

What should I do if I have a car accident?

In the event of an accident you should contact AVIVA immediately and then obtain the following information:

a. The names, contact details and car details of all parties involved.

b. The insurance details including the policy number of all parties involved.

c. Details of any witnesses to the incident or members of An Garda Siochana /Police that attended the scene of the accident.

You must also:

a. Not admit responsibility, sign any statement or negotiate the settlement of any claim, without the written agreement of Aviva.

b. Complete any form(s) Aviva may send you.

c. Give Aviva all information and assistance required.

d. Notify Aviva immediately of any impending prosecution, inquest or fatal inquiry, writ or summons.

e. Send Aviva, as soon as possible, any writ or summons, letter or other documents you may receive.

f. Provide the registration and insurance details of your car to any other party involved and also An Garda/Police, if requested.

g. Report any person that is injured in the accident to An Garda/Police, whether they attend the scene of not. If you do not do so, Aviva reserves the right not to pay a claim. Aviva are entitled, at any stage during any claim, to take over and conduct the defence or settlement of the claim, and, at their discretion, to pursue the claim for their own benefit in the name of any person insured.

What should I do if my car is stolen or damaged?

If your car is stolen or damaged as a result of theft or malicious damage, immediately report the matter to the Gardaí. The incident must also be reported to Aviva, the underwriter of your policy on 1890 666 888.

What do I do if I damage my windscreen?

In the event of windscreen damage, you should notify our aligned windscreen repairer, All-Glass, as soon as possible on 1890 809 808. There is no limit on cover.

*A limit of €225 for any single event will be applicable if any other repairer is used.

Any payment will have no effect on your No Claims Discount, and we will not ask you to pay any excess if you claim.

Do I have to use an approved repairer?

No, you do not have to use an insurer approved repairer. However, you need to be aware that there are lower limitations on the amount of cover that will apply if you choose to use someone other than the approved repairers.

For more information on approved repairers please contact Aviva on 1890 666 888.

This is the first amount of any claim you must pay. There are different excesses applicable depending on the age of the driver, the type of claim and whether an approved repairer is used.

Please see below table for Policy Excess Breakdown

Accidental damage excess

applies when driving in a professional capacity as a Nurse. (excl. Commuting)

Personal Belongings Cover



                     COMP: Comprehensive

                      TPFT: Third Party Fire & Theft

*Please note if you have an accident, which gives rise to a claim under the policy and, at the time of the incident you are insured with Aviva for a period in excess of 12 months, the accidental damage excess will be reduced by €100 if you use an aligned repairer.

How will a claim affect my insurance?

If you have a claim, it may increase the cost of your premium when your policy is due for renewal. Your No Claim Bonus may also be affected; this depends on the level of No Claim Bonus Protection you have on your policy.

Please refer to the policy benefits section or “What is a No Claim Bonus?” .

What is a No Claim Bonus?

Every year dependent on your claim experience, you may earn a No Claim Bonus, for which you will receive a discount off your annual insurance premium. The more years ‘No Claim Bonus’ earned, the higher the discount off your premium, subject to Aviva’s maximum.

If you make a claim on your policy your No Claim Bonus could be reduced to nil at your next renewal unless you have availed of one of our No Claim Bonus Options:

Protected No Claim Discount: You can make 2 unlimited claims in a 3 year period with no effect on your No Claims Bonus (NCB). Subsequent claims will step back the NCB by 30%. (Excl. 2 Fire/Theft claims or Windscreen).

Step Back No claim Discount: If you make a single claim or one arises during any period of insurance, we will reduce your No Claim Discount by 30% e.g. 50% to 20%, 40% to 10%, 30% or less to nil.

No Claim Discount Protection for Fire/Theft/Windscreen: Any payment we make for fire, theft, or windscreen claims will not affect your No Claim Discount.

No Claim Discount Protection: Malicious Damage cover in work grounds: Aviva will pay for loss or damage to your car caused by wilful or malicious damage by anybody, within the confines of your permanent place of employment.

Please see table below for what level of NCB applies for your policy cover:

COMP: Comprehensive

TPFT: Third Party Fire and Theft

*For more details on the above No Claims Discount Protection please refer to the policy benefits section

Who should I call if my car breaks down?

In the event of your car breaking down please contact Aviva on 1800 646 545.

This is a 24/7 Roadside & Driveway assistance service provided by Aviva.

Can I switch car insurance from one car to another?

Yes, you may be able to avail of a temporary substitution (usually if your car is in a garage getting repaired) or a permanent substitution (if you are changing your car permanently).

In order to change the car on cover, you will need to contact our Customer Service Helpdesk on (01) 4084020. Please ensure before contacting us, you have the make and model, registration, engine size and value of the car you wish to switch to.

Please note, we do not cover commercial vehicles on a permanent basis on Private Car policies. We will, however, do a temporary substitution to a van on a private policy for a maximum of 48 hours – the vehicle must be used for Social Domestic & Pleasure only, e.g. for moving house. Charges may apply for this service.

Who can drive my car?

The car insurance cover is restricted to persons named on the certificate, including the policyholder. Open Driving option (explanation provided below) is available as an optional extra but must be specifically requested. Terms and conditions apply.

What is open driving?

For an extra premium, with open driving as your selected driving option, you can allow any driver aged between 25 to 70 years of age who are not named on the policy to drive your car once they have a full EU driving licence.

To avail of the open driving option, please contact our customer service helpdesk on (01) 4084020. Terms and conditions do apply.

Can I add a temporary driver to my policy?

Yes, Aviva can provide cover up to 31 days; drivers are subject to our normal underwriting criteria and charges will depend on period of cover and driver age.

In order to add a driver to your policy, you will need to contact our helpdesk on (01) 4084020.

Please ensure you have the name, date of birth, licence type, driving history (convictions, medical conditions, penalty points etc.) and occupation of the driver(s) to be added prior to contacting us. Terms and conditions apply.

What is driving of other cars?

Driving of other cars allows you (the policyholder) to drive other private motor vehicles on a third party or comprehensive basis. To avail of this benefit you must hold a full EU driving licence, the vehicle value must not exceed €40,000 and the vehicle’s engine size must not exceed 2,000cc. The vehicle cannot belong to your partner and your own private car must still have an active insurance certificate displayed in the vehicle i.e. it has not been damaged beyond economic repair.

Please refer to the below table to see if this benefit applies to you:

COMP: Comprehensive

TPFT: Third Party Fire and Theft

Am I insured to drive in Europe?

Yes, Aviva will automatically extend your policy to provide full policy cover within the EU.

This cover will last for 90 days in any period of insurance for your car.

Cover does not include driving of other cars or breakdown rescue while driving the car abroad.

Green cards are not necessary for travel in most European countries. For travel to an EU country which still requires a Green Card to be issued, please contact us on (01) 4084020, at least 1 week before your journey.

How do I make changes to my policy?

Whether you want to add a driver to your car insurance policy, change your address or change your car, you can contact one of our Car Insurance Experts on (01) 4084020.  We will discuss the changes to your policy that you need and if there will be any additional charge to your car insurance premium or any change to the terms and conditions of your Car Insurance Policy.

How do I renew my policy?

Your renewal notice is based on the most recent information supplied by you. If these details have changed, please contact us immediately so we can update your details and issue you with a revised renewal notice if necessary.

It may be possible to save money on your car insurance premium. Below are a few ways in which you could reduce your costs:

Review your annual mileage, your level of cover and driving restriction.

If you pass your driving test, let us know.

Once you have checked your Cover details and are happy, please proceed to payment options below to complete your renewal.


Select Renew Policy from the home page and follow the easy steps. All you need is:

A credit/charge/debit card

If your renewal date has passed, or if you experience difficulty using our online facility, please contact our Customer Service Helpdesk on (01) 4084020.


Log on to www.cornmarket.ie and click on the ‘Renew Your Policy’ button and follow the easy steps. All you need is:

A credit/charge/debit card

Your policy number

Your renewal pin – which is supplied on your renewal notice.

If your renewal date has passed, or if you experience difficulty using our online facility, please contact our Customer Service Helpdesk on (01) 4084020.



Premiums will be paid from your bank account over 11 months. Charges are detailed on the direct debit mandate included in your renewal pack.

Please note if you are switching schemes from renewal a 30% deposit will be required to be paid upfront and the remaining premium will be paid from your bank account over 10 months. Charges are detailed on the direct debit mandate included in your quotation pack.


Your annual premium can be paid in full by credit/charge/debit card. Please call the Customer Service Helpdesk on (01) 4084020


A cheque or bank draft can be made payable to ‘Cornmarket Group Financial Services Ltd.’ Please send all payments to:

Cornmarket Group Financial Services Ltd.,

Christchurch Square,

Dublin 8.

How can I get proof of my No Claims Bonus?

If your policy with us ends at renewal, your renewal invitation will contain proof of your No Claims Discount. If you cancel at any other point in your contract, we will forward proof of your No-Claims discount once your cancellation has been processed.

How can I suspend/cancel my policy?

In order to suspend/cancel your policy we will need a written instruction from you confirming the policy number and the suspension/cancellation date. We will also need to know the reason for suspending/cancelling the policy. We require you to return the original copy of the Certificate and Disc of Insurance. Once the required documents are received, we can suspend/cancel the policy from the date the required documents are received or from a future date if specified.

All required documents can be returned to:

Personal Insurance Department

Cornmarket Group Financial Services LTD.

Christchurch Square,

Dublin 8.

Aviva Insurance Limited, trading as Aviva, is authorised by the Prudential Regulation Authority in the U.K. and is regulated by the Central Bank of Ireland for conduct of business rules.