The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.

General Accident Car Insurance Review: Is It Any Good?

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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

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 IncludesDoes General Accident Deliver?General Accident Comprehensive Coverage
"Must Have" Features
WindscreenFull repair or replacement
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Up to the market value of your car if you use an Approved Repairer
Belongings£200+
red x
Up to £150
Keys£300+
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Up to £1,000 cover per fob, per annum
Protected NCD2 times in 3 years (standard or optional extra)
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If you buy the add on
Car recovery after accidentIncluded
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Included
Courtesy car (repairs)Minimum 14 days
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Included (in GB, Ireland, Channel Islands and Isle of Man)
Repairs guaranteed12-month guarantee
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3 years
"Should Have" Features
New car replacementTheft or damage at least 60% of list price; cars up to 12 months old
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Included
Stereo and satellite navMarket value for manufactur fitted
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Up to the market value of your car
Alternative transport & Hotel after accident£250+
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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 helplineStandard
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Included
Courtesy car (total loss or theft)Standard or add-on extra
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If you buy the add on (5 to 21 days)
Motor legal expensesStandard or add-on extra
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Included
Breakdown coverStandard or add-on extra
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If you buy the add on
"Could Have" Features
Same cover in EUStandard or add-on extra
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Up to 90 days
Child car seat replacement after accident, theft, fireIdeally replaced even if no visible damage
red x
Not included
Larger/premium courtesy carStandard or add-on extra
red x
Not available
No fault NCD protectionStandard
red x
Not included
Uninsured driver NCD protectionStandard
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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 rating1.4 out of 5
Reviews.co.uk3.1 out of 5
Defaqto3 star
S&P financial strength ratingA
Moody'sA2
FitchA+

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
Churchill£416
Quotemehappy.co.uk£508
General Accident£510
Darwin£567
Swinton£589
diamond£598
Admiral£602
elephant£606
Hastings Essential£608
LV£673
More Than£752

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.

chart showing a cost comparison of LV= car insurance to Bell, Hastings, Quotemehappy, Hastings Smart Miles, Admiral Little Box, Churchill, Elephant and others

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.

DiscountWho qualifies?
No Claims DiscountEach 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 upfrontPay your full premium at the start of the policy to save money (variable APR)
Buy your policy earlyBuying 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 policiesReports 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 ServicesContact form
24 Hour Helplines
Claims0345 030 7956
Accident Recovery0345 030 7956
Glass Repair Helpline0345 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

If you'd like to compare General Accident to other car insurance companies, see our other car insurance reviews below:

Comments and Questions

The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.