What is Vavista Car Insurance?

Vavista offers three types of car insurance:

• Comprehensive Cover: This includes protection for damage to your vehicle, windscreen, theft, and accidents. It also offers coverage for third-party liabilities.
• Third Party, Fire and Theft: Covers third-party liabilities plus damage or loss due to fire or theft.
• Third Party Only: Basic cover for damages to others in an accident where you’re at fault.

These options ensure drivers can choose a level of coverage that fits their needs, whether for a new car or an older vehicle.

Vavista provides comprehensive car insurance from three different insurers, with each policy offering slightly varied features depending on the underwriter. However, most Vavista policies offer essential features that align with recommendations from the Money Advice Service, ensuring a robust level of coverage. Here’s a breakdown of what you can expect from Vavista’s comprehensive cover, focusing on policies underwritten by Watford.

"Must Have" Features

• Windscreen Repair and Replacement: Full windscreen repair or replacement is included.
• Belongings Cover: Coverage for belongings, but the limits may vary (up to £150 for Watford policies).
• Key Cover: For theft, if the thief knows where your car is kept, policies underwritten by Watford cover up to £1,000.
• Protected No Claims Discount (NCD): Available as an optional extra for policies with at least 4 years of no claims discount.
• Car Recovery After an Accident: Included as standard.
• Courtesy Car (Repairs): Available for a minimum of 14 days.
• Repairs Guaranteed: Repairs come with a 5-year guarantee for Watford-underwritten policies.

"Should Have" Features

• New Car Replacement: Available if the damage exceeds 60% of the car’s list price, but limits may vary by insurer.
• Stereo and Satellite Navigation: Market value coverage for manufacturer-fitted systems.
• Alternative Transport & Hotel Costs: Up to £150 may be covered, depending on the underwriter.
• 24-Hour Emergency Helpline: Included as standard in all policies.
• Courtesy Car (Total Loss or Theft): Available as an add-on.
• Motor Legal Expenses: Either included or available as an optional extra.
• Breakdown Cover: Available as an optional extra, often through partnerships with providers like RAC.

"Could Have" Features

• EU Coverage: Coverage while driving in European countries, though time limits depend on the underwriter (30 days for Watford).
• Child Car Seat Replacement: Covered after an accident, theft, or fire, provided a receipt is available.
• Uninsured Driver NCD Protection: Included as standard.
• Cancellation Fee: Cancellation fees may vary and depend on both Vavista and the underwriter. Some policies may charge up to £75 for cancellation after 14 days.

This comprehensive overview shows that Vavista policies offer a variety of key features, with some flexibility based on the insurer. It’s always a good idea to review the policy documents carefully to understand the full scope of coverage and any exclusions.

Vavista offers multi-car insurance, allowing customers to insure multiple vehicles under one policy. This can be beneficial for families or households with more than one car. You can add a named driver for each vehicle, and coverage details will vary based on the level of comprehensive cover selected.

Vavista offers tailored policies for young drivers, including telematics insurance. These policies help young drivers build a claims discount over the number of years they maintain a good driving record. By installing a black box, young drivers can also reduce their voluntary excess and lower their overall premium.

Vavista offers several discounts to help lower your car insurance premium. For instance, maintaining a no claims discount over a number of years can reduce your premium. Additionally, Vavista may offer seasonal discounts or online survey incentives to help new customers get cheap car insurance.

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