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General Accident is a brand of one of the largest car insurance companies in the UK, Aviva. While you might find a cheap price from General Accident, be aware that they're an online brand so you can't get customer support over the phone once your policy is up and running—an issue that's at the root of most online customer complaints.
In This Review
- General Accident Car Insurance: Overall Review
- Customer Reviews and Ratings
- Cost Comparison and Discounts
- Phone numbers and policy documents
General Accident Car Insurance Overall Review
General Accident car insurance might suit those looking for a budget option, but beware that it's an online insurance brand so you won't be able to call and speak to anyone in customer service over the phone after your policy is up and running. Existing customers do have one opportunity to speak with customer service—during their renewal window from when they receive their renewal invite until the renewal date, when a contact number is displayed within their online account.
After reading through customer reviews, it seems that the best way to reach General Accident is by messaging through the General Accident Facebook page. There is a 24-hour helpline for claims, glass repair and accident recovery, however.
Those with telematics plans should be aware of customer reports that General Accident may cancel your policy if you're caught speeding.
Here is a high-level summary of General Accident comprehensive cover features for policies bought direct from the General Accident website—remember, these are always subject to conditions and exclusions, which you can read about in the policy documents.
|How Good is General Accident Car Insurance?||A Good Policy Includes||Does General Accident Deliver?||General Accident Comprehensive Coverage|
|"Must Have" Features|
|Windscreen||Full repair or replacement||Up to the market value of your car if you use an Approved Repairer|
|Belongings||£200+||Up to £150|
|Keys||£300+||Up to £1,000 cover per fob, per annum|
|Protected NCD||2 times in 3 years (standard or optional extra)||If you buy the add on|
|Car recovery after accident||Included||Included|
|Courtesy car (repairs)||Minimum 14 days||Included (in GB, Ireland, Channel Islands and Isle of Man)|
|Repairs guaranteed||12-month guarantee||3 years|
|"Should Have" Features|
|New car replacement||Theft or damage at least 60% of list price; cars up to 12 months old||Included|
|Stereo and satellite nav||Market value for manufactur fitted||Up to the market value of your car|
|Alternative transport & Hotel after accident||£250+||If you've been in an insured accident, they'll recover your car and get you home or to your destination (in covered area)|
|24-hour emergency helpline||Standard||Included|
|Courtesy car (total loss or theft)||Standard or add-on extra||If you buy the add on (5 to 21 days)|
|Motor legal expenses||Standard or add-on extra||Included|
|Breakdown cover||Standard or add-on extra||If you buy the add on|
|"Could Have" Features|
|Same cover in EU||Standard or add-on extra||Up to 90 days|
|Child car seat replacement after accident, theft, fire||Ideally replaced even if no visible damage||Not included|
|Larger/premium courtesy car||Standard or add-on extra||Not available|
|No fault NCD protection||Standard||Not included|
|Uninsured driver NCD protection||Standard||Included|
General Accident Car Insurance Customer Service Reviews and Ratings
General Accident generally have poor customer reviews. As an online insurer, customers can only communicate with the company online or through email—a contact number is only available between a renewal invite and the renewal date. As a result, existing customers have rated General Accident insurance with only 1.4 out of 5 stars on Trustpilot by close to 300 customers—one of the lowest Trustpilot ratings we've seen for an insurer. On Reviews.co.uk, General Accident gets 3.1 out of 5 stars by over 500 customers. Finally, General Accident car insurance has earned 3 out of 5 stars from defaqto for features.
Aviva is the underwriter of General Accident policies, so it's important to consider the financial strength of Aviva. Aviva has been rated solid A by S&P, A2 by Moody's and A+ by Fitch.
|General Accident Ratings & Customer Reviews|
|Trustpilot customer service rating||1.4 out of 5|
|Reviews.co.uk||3.1 out of 5|
|S&P financial strength rating||A|
General Accident Car Insurance Quote Comparison
General Accident offers cheaper car insurance for those on a budget. Our recent check of 50 postcodes for a sample 30-year-old driver of a 2017 Ford Fiesta showed General Accident prices were some of the cheapest available and were roughly in line with brands like Quotemehappy.co.uk (another Aviva brand).
|Average premium over 50 sample post codes for a 30-year-old driver of a Ford Fiesta|
Quotes will vary drastically for different driver profiles and cars, and on different days, so you may need to pay more or less than these sample rates. Use this information as an indication of how an insurance provider might compare in terms of price, although this can also change.
General Accident Car Insurance Discounts
As a budget car insurance brand, General Accident already offers lower-than-average prices. In addition there are a few other ways to save on a car insurance policy, such as savings for good driving records, no claims discounts and paying in full at the start of each policy year.
|No Claims Discount||Each year you don't make a claim should increase your [Earn link url="#ncd" title="LV= NCD"]up to 9 years of no claims discount with LV=|
|Pay upfront||Pay your full premium at the start of the policy to save money (variable APR)|
|Buy your policy early||Buying your policy a few weeks in advance of the start date can save you money|
Admin and Cancellation Fees
|General Accident Administration Fees|
|Cancel your policy within first 14 days||£25 + Insurance Premium Tax|
|Cancel your policy after 14 days or other admin changes (e.g., via email)||£30 + Insurance Premium Tax|
|Cancellation for telematics policies||Reports of £125 cancellation fees for policyholders caught speeding|
|Changes made online (e.g., change address)||No charge (up to 5 per month), then £30 + tax for each change|
Important General Accident Car Insurance Phone Numbers
Customers can reach LV customer service 7 days a week, although with limited hours at the weekend. There's no online live chat feature, but phone customer service lines are open Mon - Fri 8am - 8pm, Sat and bank holidays 9am - 5pm, Sun 10am - 4pm).
|General Accident Car Insurance Contact Numbers|
|Customer Services||Contact form|
|24 Hour Helplines|
|Claims||0345 030 7956|
|Accident Recovery||0345 030 7956|
|Glass Repair Helpline||0345 030 7956|
Policy Documents & Claims
To find out more about the conditions and exclusions, read the policy document or find information for add ons here. Existing customers can accessing a claim form online by calling the claims number listed above.
Other Car Insurance Reviews
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