General Accident Car Insurance Review

James Rodriguez James Rodriguez updated on July 31, 2020

This is the ultimate review to guide you through General Accident car insurance.

You might already know that General Accident offers several car insurance policy options.
Some are great, others not so much.

So if you want to get:

  • Better value for money for your car insurance
  • Indicative quotes
  • Tips to lower your insurance premium, then you might love the following article.

Let’s dive right in.

Is General Accident the best car insurance provider?

Getting the best car insurance deal is not all about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good payout if you ever have an accident.

We’ve studied in detail General Accident car policy terms and conditions and given our own ratings based on different criteria.

3 Safe overall rating for General Accident

Our ratingOur opinion
Customer service & satisfaction

Instant online access is guaranteed
Bad customer care review on TrustPilot; this centers around the strict customer care online policy that General Accident has
Policy documents are not easily accessible

Cover provided

courtesy car provided as standard with the comprehensive and telematics policy
Keycare cover of up to £1000 provided as an optional extra on the comprehensive policy
£1000 cover for factory-fitted equipment available for all insurance covers

Value for money

Up to 9 years of No Claims Discount can be accumulated
Repair work is guaranteed for 3 years on every cover
Cheaper prices are offered
Limited discount options are offered

Financial strength for pay out

Strong financial capability

Technology

Customer friendly website with a simple and easy-to-use interface
Use of technology like Black Box
Mobile app available
Claims can be taken out online
Customer care representatives can also be reached via online chat
No-live chat or chatbot is available

Safe rating for General Accident

Expert and customer reviews on General Accident

We compiled expert and customer reviews from independent institutions, to give you an overall idea of General Accident's reputation.

Review organisationConsumer satisfaction rates for General Accident
Defaqto expert rating for General Accident defaqto 4 stars 1
TrustPilot1,4/5 based on 309 opinions
Consumer satisfaction rates on reviews for General Accident

To check if General Accident is the right car insurance for you, you can use our free comparison tool and finally compare coverage features, optional extras, excess, admin fees and customer rating without having to give any personal information.

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Our review on General Accident car insurance policy

General Accident is affiliated with Aviva which is one of the largest car insurance companies. They specialise mostly in offering cheap and affordable quotes, however, the downside with this insurance company is that they are solely based online. As a result of this, they have no phone numbers associated with a majority of the services offered and all complaints have to be made online. This is a major problem as many customers have complained about this. General Accident offers two levels of cover which are the Comprehensive cover and Third Party, Fire and Theft cover. They also offer telematics services. For customers who do not mind the hassle of waiting to be online to reach a customer care agent, the insurance company is recommended.

What does General Accident car insurance policy cover?

Are TPO, TPFT and Comprehensive covers available at General Accident?

Car insurance policyAvailable at General AccidentCoverage in a nutshell
Third-Party Only
  • Passengers and third party covered
  • Policyholder is not covered for any injuries or damages
Third-Party Fire and Theft
  • Replacement of your car if stolen
  • Damages caused due to theft or fire
Comprehensive
  • Cover third-party fire and theft
  • Covers injuries to you and damages to your car
Car insurance level of cover available at General Accident

Keep in mind that you can always add optional extras to your policy.

Main guarantees at General Accident explained in details

Let's find out what does General Accident covers in its car insurance policy.

Breakdown cover at General Accident

General Accident’s Breakdown cover offers 4 covers options with its breakdown cover and they include:

  • Roadside: this includes breakdown cover for the driver in the case that his/her car breaks down at the roadside
  • Roadside & Recovery: this provides recovery services in the case that the car has broken down and cannot be repaired
  • Roadside, Recovery, At Home & Onward Travel: this provides roadside repair services, alternative means of transportation and also accommodation in the case of a breakdown
  • Roadside, Recovery, At Home, Onward Travel & European: in addition to the breakdown services offered, breakdown services are also provided in Europe.

Keycare cover at General Accident

General accident provides an amount of £1000 for their keycare cover and it is an optional extra that is only available on the comprehensive cover. The following are offered:

  • Key recovery and locksmith assistance
  • No excess to pay and does not affect any no claim discount
  • 24 hour helpline
  • A £10 reward for anyone who finds the keys.

Windscreen cover at General Accident

General Accident offers windscreen cover and provides the following:

  • £15 excess for repairs and or in the case that the windscreen has to be replaced, a £75 excess is provided
  • £50 in the case that another repairer is used.

Motor legal protection at General Accident

General Accident’s Motor Legal Protection offers the following:

  • £100,000 worth of legal expenses
  • Cover for legal fees in the case that the claim is not successful
  • 24 hour legal helpline for UK customers.

Personal policy injury available at General Accident

General Accident offers the following as part of their Personal Accident Cover:

  • £40,000 in the case that the accident leads to death for the driver and his/her partner
  • £40,000 cover for permanent total body disablement as a result of an accident in the vehicle
  • £40,000 cover to loss of sight in both eyes as a result of an accident in the vehicle.

Coverage abroad at General Accident

Abroad coverage is available under the comprehensive insurance and third party, fire and theft policy and this coverage allows the holders to travel through Europe for 90 days. The list of countries includes:
Republic of Ireland, Northern Ireland, Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, the Czech Republic, Denmark, Estonia, Finland, France (including Monaco), Germany, Gibraltar, Greece, Hungary, Iceland, Italy (including San Marino and the Vatican City), Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden and Switzerland (including Liechtenstein).

Courtesy car at General Accident

The courtesy car option provided by General Accident is only offered based on availability. The following are offered alongside:

  • Provision of a small hatchback car with a one litre capacity
  • One day courtesy car provision
  • Provision of a courtesy car in the case that the driver’s car requires repairs.

No-Claim Bonus (NCB) at General Accident

The longer you go taking out a claim, the higher the discount offered.

Claims made for windscreen repairs would not affect your No Claims Bonus.

At General Accident, you can apply for the NCB protection. The NCB protection allows you to make a certain number of claims within a period without losing your No-Claim bonus.

NCB protection claims (number per year): 1 claim in 3 years.

A No-Claim bonus is a reward that you get from driving during a long time (at least one year) without making any claim. The more years you drive without claims, the higher your NCB rate gets hence the higher the discount on your insurance premium. 

General Accident car insurance terms and conditions

How much does General Accident car insurance cost?

You'll find below indicative car insurance quotes at General Accident:

Drivers'ageMonthly premium
18 years old£107,80
40 years old £44,46
60 years old£32,78
Quotes above are for a comprehensive car insurance - eco car, clean record driver, Liverpool

Costs of General Accident insurance car policies vary widely based on different factors such as:

  • The driver’s age 
  • The date on which they received their driving licence
  • The type of car 
  • Expected repair costs if the car is damaged
  • The performance, safety and security of the car 
  • The driver’s address and how busy the streets in the neighbourhood are
  • Who drives the car (any additional driver on the policy) 
  • The driver's record of accidents and claims (number of injuries, No Claim Bonus etc.) 
  • Insurance taxes.

The higher risk you represent, the more expensive your policy will be.

Is there any promo codes or discounts available at General Accident?

Discounts are offered to drivers who use the Black Box device. These discounts are calculated based on the driving performance of the driver as measured by the device. Discount is also offered when a driver pays upfront for an insurance policy.

If you want to get a cheaper car insurance policy, another good way to do so is to never auto renew and always compare car insurance quotes.

Save more on your car insurance checking out our 13 tops tips to cut your insurance premiums!

General Accident car insurance policy summarized

Guarantees

At General Accident
NCB benefitYes
Uninsured driver NCB benefitYes
Loss or theft of keys£1,000
Personal belongings£150
Audio equipment

No

Medical expenses

no

Liability limit for property damage£20 000 000
Legal expense£100,000
Courtesy car benefit

As standard

Courtesy car cover

1 day

Coverage abroad

90 days

Guarantees at General Accident

Excess

At General Accident
Fire excesscost of damage is covered
Theft excesscost of damage is covered
Accidental damage excesscost of damage is covered
Windscreen replacement excess£15- £75
Young driver excess

no

Excess at General Accident

Admin fees

At General Accident
Interest charged by payment installments

Variable

Renewal fees

£0

Cancellation fees

Cancellation fees during cooling off period : £25
Cancellation fees outside cooling off period : £50

Modification fees

Adjustment fee: £0

Admin fees at General Accident

Other car insurance policies available at General Accident

General Accident black-box insurance

General Accident offers a telematics plan for drivers. A small device is plugged into the car and this device takes note of things like the driver’s speed. Upfront discounts are given to the drivers and based on the information gotten from the device, more discounts would be offered. There is an app that is to be used alongside the Black Box device and it can be downloaded to a smartphone. Overspeeding can lead to a cancellation of the driver’s insurance policy.

General Accident short term cover

General accident partnered with Day Insure to provide temporary car insurance.

How to contact General Accident auto insurance?

General Accident phone numbers 

You will find all important phone numbers to contact General Accident car insurance:

Contact numberOpening hours

Claims

0345 030 7956

24 hours a day

Contact numbers at General Accident

General Accident other contact details

You'll find below General Accident main contact details:

Contact details of General Accident
Email address

www.generalaccident.com/complaints

Customer account with General Accident login

My Account

Social mediaFacebook, Twitter, YouTube
ChatbotNo
Contact details at General Accident

You can also contact them by mail by writing to General Accident car insurance:

General Accident Car Insurance
Saint Helen’s,
1 Undershaft,
London
EC3P 3DQ,
United Kingdom

How to cancel your car insurance at General Accident?

You can always cancel your car insurance policy at any time. However, some fees may apply especially if you cancel it after the 14 cooling-off period after your contract's anniversary date.

Since car insurance is a legal requirement, General Accident as well as other insurers will renew your policy automatically at the end of the policy period without any notification from your side. However, General Accident has the obligation to send you a renewal notice within 7 to 21 days before your contract comes to an end. You will therefore have 14 days - the cooling off period - to cancel your policy at reduced cancellation fees.

For the same reason, if you cancel your car insurance policy, you must sign up to a new one immediately. Find out more on car insurance legal requirement.

You would need to have various documents ready such as:

  • your policy number (right hand corner of your documents);
  • your bank details; and
  • your payment method in case there are cancellation fees.

General Accident could also refuse to cover your car any longer if you don't pay for your premiums within the time allocated, or if they find out that you omitted important information that was required by the company such as your driving experience or you if have committed a fraud of any kind. This act is known as ‘fronting’.