“Gives the cover I need, but the premium is higher than last year, although less than renewal with my current insurer. I am concerned they are totally online only with no telephone option. I will have to see how that works out. I think that in the event of a claim there may well be issues I would like to discuss with a human on the phone. I don't know what the "Zero" in Aviva Zero means, but maybe it means zero help on the event of a claim.”