Save Money On Your Car Insurance With The Aviva Drive App

Ever on the lookout for savings and deals, at Moneybright we recently decided to focus on car insurance, or rather how you can save money on your car insurance. If you’re a driver, you’ll know just how expensive not only to buy, but running and maintaining a car can be. From regular services and MOTs, to car tax and insurance – there are a lot of costs that contribute to owning a car and if you’re not a little frugal about it, the costs can really begin to add up. So, we tested the Aviva Drive App, which monitors your driving and if it’s happy with your performance, it will lower your insurance. Here’s what Rick, who tried out the app, had to say.

Using The Aviva Drive App

“Having driven a company car for 9 years, my premium last year included a discount from Aviva for the first year. However, at renewal, my premium had gone up significantly, and as usual I put my details into a couple of comparison sites. I called Aviva to see if there was anything that could be done to reduce the price. I actually managed to get a small loyalty discount as I have multiple policies with them… Proving that it’s well worth asking.”

“Not satisfied with simply the loyalty discount, I asked if there was anything else that could be done, and explained again prior to taking the policy I had 10 years in a company car hence my 1 years no claims discount. The customer advisor then asked if I had used the Aviva Drive App. He went on to explain that if I downloaded it and let it assess my driving over 200 miles I could be eligible for a further discount of up to 28%.”

“I must admit I was suspicious and a little sceptical. Did I really want my insurer monitoring my driving style? Nevertheless, my curiosity got the better of me and I downloaded the app and here is my review.”

What Potential Insurance Savings Are There To Be Had?

The discount level is dependent on both your score and the price of your premium. No discount is available for policies under £200 or for drivers that achieve a score of less than 3.1. Here is a breakdown of the discounts available:

Aviva Drive score

Discount on policy between £200-£399 Discount on policy over £400
3.1- 5 3.5% 7%
5.1 – 7 7% 14%
7.1 – 10 14% 28%

How Easy Is It To Set Up The Aviva Drive App?

Installing and setting up the Aviva Drive App was easy as expected. As I already have an Aviva login, the app prompted me to either login or to set up an Aviva account for a new customer.

Once logged in the interface was very simple with a big start button and just a few menu options to view journeys, and any badges earned. It asked me to allow it to have access to my location, and I initially only granted permission to access my location when using the app and it failed to work. You must grant full access to your location at all times and once I did this it worked. Click the large start button to begin, which then turns into a stop button to end each journey.

Aviva Drive App

The app also has a dash cam, but I didn’t use this as I was concerned it would drain my battery too quickly.

Aviva recommends that it is placed in a cradle which I thought was sensible as its safer, and your score could be affected if it is not stable in your vehicle.

H2: What Was It Like Using The Aviva Drive App On The Road?

As soon as I pushed the start button I became aware of my every action behind the wheel and questioned everything. Was I accelerating or braking too hard? What was my speed? Was I driving smoothly? I then wondered how my phone could actually judge my driving ability at all.

Day one was tough. I was anxious as I approached the first roundabout and was concerned it would think I was moving too quickly. I noticed how rushed everyone else was and bad driving stood out more than ever. I worried someone cutting me up may result in me suffering a penalty of some kind. I can honestly say I have not felt as uncomfortable behind the wheel since I passed my test.

I really felt like this was going to be a waste of my time and there is no chance I will get a discount. After all, Aviva had already quoted my renewal. I really wondered if this was going to impact my score as I would have thought this was only to attract new customers.

Day one ended with 36 miles covered and I got my first three badges one for my first drive, one for accelerating and one for braking. So far so good… My driving style was more cautious than usual. I accelerated very gradually and slowed down well in advance of braking so stopping was smooth.

I drive into Manchester city centre each day to my office, so it usually involves a lot of traffic and stopping and starting.

Over the next week, I noticed how different I was driving due to being monitored, it really highlighted a few bad habits I had got into like breaking too fast and driving a little too close to the car in front. While using the app I rectified these issues as I was concerned I may be forced into breaking sharply. It also highlighted how impatient everyone is!

One downside was accessing motorways and roundabouts, I was much more nervous as sometimes accelerating hard is the only way you can keep moving.

Within the week I completed the 200 miles and achieved a score of 9.4 out of 10 which meant the full discount of 28%. I did feel a huge sense of achievement and called immediately to check that this could be applied.


As my premium was well over £400 the full discount of 28% was applied without any problem. Aviva was then just over £200 cheaper than any of the alternatives.

I would recommend giving this a go as it is a genuine money saving opportunity and it may just improve your driving. You can find out more about the Aviva Drive app here if you’re interested.

Do you have any money saving tips to share with us? You can tell us about them here. If you’d like to submit a deal to us, you can also do that here.

Hire Purchase vs. PCP

What Is Hire Purchase?

Hire Purchase (HP) is a method of finance when buying a car. Typically, if you’re using Hire Purchase for either a new or used car you would need to pay an upfront deposit, and then pay off the value of the car in monthly instalments. This means you would not own the car until the full payment is made. Most of the time, you’ll be required to put down a deposit of around 10% of the vehicle’s value. Then, the rest of the car price will be paid off in instalments that can last for anything from less than 1 to over 5 years.

Hire Purchase can be arranged by car dealerships or brokers and the rates will vary depending on your credit score, along with the type of car you’re looking at. Rates tend to be competitive for new cars, but not so much for those that are second hand.

Once you’ve paid off all instalments of the Hire Purchase loan, you’ll typically be asked to pay an ‘Option To Purchase’ fee, once this – along with the rest of the payments – have been made, you’ll legally own the car.

What Is PCP Finance?

Personal Contract Purchase (PCP finance) is another loan-type method of acquiring a car. Unlike a normal loan, (and unlike Hire Purchase) you’ll typically never pay off the full value and won’t ever own the car.

Similarly to Hire Purchase, you’ll be required to pay a deposit of around 10% when you opt to ‘loan’ a car through PCP. You’ll then pay instalments of a loan which is assessed on how much the car is likely to be valued over the term of the deal, which can be anything from 24 months to 36 months. The payments you make will chip away at this loan and will carry added interest.

Most of those who use PCP opt to upgrade to another model of car once their lease is up, but if you’re wanting to keep the car you’ll usually be able to purchase it under what’s called a Guaranteed Minimum Future Value (GMFV) – which is basically how much the dealer expects the car to be worth once your finance lease has ended. Alternatively, providing there’s no damage, you can hand the car back and walk away at the end of your contract – or open a new PCP agreement for a different car with your dealer.

Hire Purchase Advantages And Disadvantages

As with any methods of finance, Hire Purchase agreements have their pros and their cons. The advantages and disadvantages of this method of leasing and buying a car are below.

Advantages Disadvantages
  • You’ll typically own the vehicle (given you pay the Option To Purchase fee) once you’ve paid off the agreement.
  • Hire Purchase gives you the option to spread the cost of a car over a time period, which is good if you cannot afford a high lump sum.
  • The interest rates are typically fixed for the entire length of the agreement.
  • You’re usually tied in to Hire Purchase, which means if you find yourself in a position that means you cannot keep up with payments – you may find yourself losing the asset and damaging your credit rating.
  • Because of interest, it’s likely you’ll end up paying more than it would cost to buy the vehicle upfront.
  • If your Hire Purchase car is damaged or stolen before it’s fully paid for, your insurance may not cover it.


PCP Advantages And Disadvantages

So what about the advantages and disadvantages of PCP? You can find them below.

Advantages Disadvantages
  • PCP is a great option if you don’t want to commit to one car model, as it gives you the option to change.
  • There is less financial risk with a PCP lease as you’re never paying the full cost of the car.
  • Unlike a car loan, PCP only requires you to pay a relatively small deposit (10% compared to 40% to 60%)
  • Unless you pay for the rest of the car at the end of the PCP agreement, it will never truly be yours.
  • You have to keep the car in great shape and you can be liable for any issues, even really small ones, when it comes to return the car.
  • You are entitled to stay within the annual mileage chosen upfront and you’ll be charged for any miles that you go over.

So What’s The Difference Between Hire Purchase And PCP?

The main difference between Hire Purchase and PCP is that with Hire Purchase, you finance the total cost of the car (minus deposit or part-exchange allowance). With PCP, you finance the depreciation. PCP and Hire Purchase work in the same way on paper, but what is financed through the scheme varies.

With PCP, you can either pay off the remaining value (a balloon payment), hand the car back or enter a new PCP agreement once your lease has ended. With Hire Purchase, at the end of your agreement – you’d have paid off the full value of the car and will own it (after a one-off ‘Option To Purchase’ fee is paid).

At first glance, PCP certainly seems like the cheaper option – as your instalment payments will be much less than Hire Purchase. However, in the long run, Hire Purchase works out cheaper as you’re paying for the whole asset – and won’t have a big lump sum outstanding at the end of the agreement should you wish to keep the vehicle.

Do you live in a ‘Cash for Crash’ hotspot?

30 postcodes around the UK have been identified as hotspots for crash-for-cash scams that have affected countless of motorists over recent years.

And drivers in the north of England will not be happy.

Birmingham has taken the top three spots – with B8, B6 and B10 being the areas that experience the most fraudulent accidents.

Bradford comes in next, with BD8 and BD9 taking the fourth and fifth spots.

Manchester takes sixth place – and Bradford, Birmingham and Oldham return to steal the top ten places.

Last year, the Insurance Fraud Taskforce (IFT) introduced a set of measures aimed at curbing the increasing number of fraudulent crash-for-cash attempts being made by scammers.

This included insurance data being shared with anti-fraud organisations and collaborative work between regulatory bodies and the insurance sector to identify those masterminding the criminal activity.

However, research by insurer Aviva said it detects a new crash-for-cash claimant every three hours since the IFT’s planned crackdown

Graphic courtesy of Insurance Fraud Bureau

Fancy upgrading your train ticket from £5?

Train travellers disgruntled in economy class now have a chance to upgrade to first class from £5 – thanks to a new app launched yesterday.

Seatfrog has been hailed as the answer to empty first class carriages and over packed economy seats.

The app enables customers on Virgin Trains who have already booked standard class tickets to bid on empty first-class seats from as little as £5.

Seatfrog is available to download for free on Apple and Android devices.

How it works:

  1. Download the free app and create an account with your email address. You will also have to give payment card details.
  2. Enter your train booking reference and set your maximum upgrade bid.
  3. App will notify you when the auction begins.
  4. Travellers can view the current price and what others are bidding.
  5. After a winning bid has been placed, Seatfrog will send an updated train ticket to the passenger’s smartphone to board the train.

There are no credit card or booking fees. The online auction opens two hours before the train is scheduled to leave the station and ends thirty minutes before departure.

While passengers can choose to up their bids while the bidding is underway, they are also given the choice to put in a ‘pre-bid’ from as soon as they book their original seat.

This will kick in as soon as the auction goes live to save them the time and hassle of manually updating their bid.

The app also allows users to upgrade straightaway – echoing eBay’s ‘Buy it Now’ button. This facility is available to travellers five days before the date of travel.

However, the app promised that the auction cost will never exceed the ‘Buy it Now’ price.

While upgrade costs change depending on the journey, taken through the auction process will mean that it is guaranteed.

Quieter services will usually mean that the upgrade costs will be lower than busier services. Rush hour trains, and busy services like Friday nights out of London will see rates go up.

According to the app, an upgrade from Leeds to London cost £10. A midweek train from London to Edinburgh cost £15.

Tips for getting a good deal

Seatfrog advises bidding early. ‘Place a pre-bid any time before you travel and Seatfrog will bid on your behalf up to that price.

‘The software is much faster than you’d be able to do it yourself,’ says a spokesperson.

Bid your best price – there’s no point hanging back, bid your highest, because Seatfrog will bid against other travellers for you up to that price and you’ll always get a deal.

At launch, only passengers travelling on Virgin Trains will be able to use the app to upgrade cheaply.

But the network is extensive, with routes spanning the majority of the mainland Britain – from London to Glasgow.

However more train operators are due to come on board, and interest has been shown from several airlines.


What Is The Time Limit For Making a Car Accident Compensation Claim?

Following a car accident, there are usually far more important things on people’s minds than making a compensation claim. In most cases, people will have to deal with their damaged vehicles so that they can carry on getting to and from work each day. In other cases, people might be recovering from the accident or looking after others who were injured in the accident.Continue Reading…