avoid aviva zero! in the middle of a claim with them and was hit on the motorway by a foreign lorry. the number to call to get recovered told me i had to claim online, online said i had to sort recovery on the phone so had to pay £300+ to get recovered off the motorway myself in the end. Theres no phone numbers for them. everything is on email. No one replies to you for weeks on end. Aviva also use Carpenters for legal - they dont reply to anything either. been 2 months now. All they've managed to do is confirm my car is a write off so far. DisGusting service. Never ever ever do an online only policy. Get one with a number where you can call and chase. After what i've read below also avoid normal Aviva too