I had an absolutely dreadful experience with Aviva Zero Insurance. They are, without a doubt, the worst insurance company I've ever dealt with. My entire ordeal with them was a nightmare from start to finish. First and foremost, trying to get in touch with Aviva Zero is an exercise in futility. They never pick up their phones, and emails go unanswered. It's as if they have zero interest in communicating with their customers. To make matters worse, I had a brand new car that was damaged by another driver, and according to their engineer, it was deemed a write-off. However, when I sought a second opinion from another engineer, I was told that only the front bumper and intercooler needed to be changed. Aviva Zero Insurance, however, refused to budge from their initial assessment, leaving me with only half of what I should have received for the damage to my vehicle. It's clear that this company is more interested in sticking to their own opinions rather than providing fair and reasonable service to their customers. They seem utterly indifferent to the needs and concerns of their policyholders. I would strongly advise anyone considering Aviva Zero Insurance to think twice. If you ever need to make a claim, be prepared for a frustrating and disheartening experience. This company does not care about its customers, and I wouldn't wish their terrible service on anyone. Look elsewhere for insurance coverage—you'll be better off with a company that values its customers and provides honest and responsive service.