Is the main difference just there is no excess?
Aviva used to have a product a few years ago which was a monthly insurance, it was very competitive Vs annual insurance for me but I don't think they do it anymore.

 

I've been with Aviva on and off for the last few years, always seems cheapest.
Changed policy mid term once and no problems or excessive loading.
Not had any claims though, which is the only true test.

 

I am either on that or was on that last year, never spoke to them. My sign of a successful transaction. But also never made a claim.

 

I am with Aviva we have both cars with them & house insurance. I had a claim in December after being rear-ended and the van being written off. I had taken a few photos at the scene and sent them with the online claim. Had no problems at all. I actually got a payout larger than I expected. Whan swapping in the Mokka the premium was slightly higher but not very much. When you have several policies the discounts seem to add up.

 

Paid £450ish last year with Aviva, comparison sites were coming up with around £420 4 weeks before renewal. A few days after searching for my renewal letter through from Aviva... £334!

Even had an offer of £2 for a years roadside assist.