Renewal changes & cancellations
0345 030 6984Getting to the right team
We don't yet know how Aviva's phone menu is structured, so we're not going to guess. If you work it out, we'd like to hear from you.
Before you call
Aviva publishes two numbers for the same job. Its website advertises 0345 030 7077 for servicing, with opening hours. Its policy documents print 0345 030 6984 for cancelling and for changes at renewal. Both are current and both are Aviva’s. We lead with the documents’ number because renewal changes are exactly what it is given for.
Check which Aviva product you hold — the cancellation fee swings wildly. Signature is £38. Aviva Online and Aviva Premium are £25 inside 14 days and £50 after. AvivaPlus charges nothing at all, inside or outside the cooling-off period. Verified
You get a fresh 14-day cooling-off period at every renewal, not just when you first buy. Opting out of auto-renewal is free, and Aviva charges no fee for making changes either. Cite Direct Line or LV= with a specific figure. Verified
What you're entitled to
- Your renewal can't cost more than an equivalent new customer would pay. Under the FCA's pricing rules (PS21/5, implemented through ICOBS 6B and in force since 1 January 2022), the renewal price for the same cover through the same channel must be no higher than the equivalent new-business price. The FCA reviewed these rules in July 2025 and left them in place. Verified
- Fourteen days to change your mind. A statutory cooling-off period applies from the start of cover or from when you receive your documents, whichever is later. It applies again after each automatic renewal. Verified
- Opting out of auto-renewal is free. You can't be charged for turning it off, and you can turn it off at any time. Verified
- What cancelling costs depends entirely on which Aviva you are with. Aviva Signature is £38 plus Insurance Premium Tax, whether you cancel inside or outside the cooling-off period, and nothing at all if cover has not started. Aviva Online and Aviva Premium are £25 within 14 days and £50 after. AvivaPlus charges no cancellation fee in any circumstance. Aviva publishes no figure for Aviva Zero or for Aviva, Gold and Platinum. Verified
What they'll say, and what to say back
They doDirects customers to online self-service rather than phone negotiation.
You sayCall anyway and clearly state you intend to leave. That is what routes you to someone who can change the price.
They doEmphasises cover quality and extras over price.
You sayCounter by benchmarking against a same-cover rival quote. Quality arguments only work if the comparison is not like-for-like — so make sure yours is.
They doOffers a small initial reduction.
You sayDo not accept the first offer. Name your benchmark figure and ask what else they can do.
General These patterns are drawn from published consumer reporting on insurer retention behaviour, not from Aviva’s internal scripts.
Lines that work
"My renewal is £X but I have a like-for-like quote for £Y — can you beat it?"
General Puts both numbers on the table at once. Specific beats vague every time.
"I have worked out my budget and my maximum for this year is £X."
General Frames a ceiling rather than a request, which is harder to negotiate around.
"What's the best you can do to keep me?"
General Use after declining their first offer, not before.
We publish these as effective general phrasing. They are not insider scripts, and we don't claim a specific saving from using them.
Where this comes from
| Claim | Source | Checked |
|---|---|---|
| Number 0345 030 6984 for cancelling and renewal changes | Aviva’s own Signature motor important information document, policy booklet and product information document | 26 July 2026 |
| Number 0345 030 7077 for Signature and AvivaPlus servicing, with hours | Aviva’s own Signature and AvivaPlus motor help pages | 26 July 2026 |
| Cancellation fees by product, and AvivaPlus charging none | Aviva’s own product information and important information documents | 26 July 2026 |
| Fresh 14-day cooling-off period at each renewal, and free auto-renewal opt-out | Aviva’s own Signature motor important information document | 26 July 2026 |
| Opening hours for 0345 030 6984 | Aviva publishes none. Third-party sites quote hours that are not sourced from Aviva | Not known |
| Renewal price rule (PS21/5 / ICOBS 6B) | FCA Policy Statement PS21/5; FCA Evaluation Paper 25/2, 22 July 2025 | 26 July 2026 |
| Free auto-renewal opt-out | Aviva states there is no charge to opt in or out of automatic renewal | 26 July 2026 |
| Aviva Signature car cancellation fee (£38) | Secondary sources — not confirmed against current policy wording | Unverified |
Bill Watch
One email, three weeks before your renewal or fixed deal ends, telling you it's time to shop around. Free, and that's the whole product.
No spam, no sharing your address, unsubscribe in one click. We'll email you once to confirm — the reminder only starts after you click that link.