General Accident car insurance policy details
General Accident offer three types of car insurance: third party, fire and theft; comprehensive; and telematics cover. All of these include motor legal protection as standard, which gives you up to £100,000 of legal cover if you're in an accident that wasn't you fault and a lawyer has to pursue compensation on your behalf.
General Accident’s third-party, fire and theft cover insures your vehicle against damage caused by fire and theft, and provides you with third-party cover, which is the absolute minimum cover legally required to drive on UK roads.
The third-party element covers damage to other people’s vehicles and property as well as any injuries they suffer in an accident you are involved in.
And it comes with some added extras too. You’ll get motor legal services, car recovery, cover for your audio equipment if it's damaged or lost due to fire or theft, 24-hour emergency support and European cover for up to 90 days, meaning you’ll be insured to drive abroad.
Their comprehensive car insurance gives you everything you get with their third party policy, as well as damage to your own vehicle. Their comprehensive policies also typically include cover for accidental damage, loss or theft of your car, and personal accident cover.
You could also be eligible for a new car replacement if yours is damaged beyond repair, and could get a courtesy car if your vehicle needs to go into a garage for repairs. You’ll also get cover for any audio equipment you have in your car, up to between £100 and £1,000, depending on your policy.
The third type of insurance General Accident provides is telematics or black box insurance. Here, you’re given a discount on your premium if you agree to have a small plugin device installed in your car.
This device then monitors your driving behaviour, and gives you a score based on how safely you drive. If your score is below 50, you’re deemed unsafe and may be warned to drive safer. But if your score is above 70, you’ll be deemed a safe driver, and may be offered a lower premium when you renew. To take out a telematics policy, you’ll need to be between 17-24 and hold a British or EU driving licence.
General Accident offers a selection of car insurance policies and types. Not all policies and types are available through our site, so the exact levels of cover and benefits may vary. Before buying car insurance, we recommend you check the cover and benefits included. Your policy could be cancelled if you continue to drive without adequate cover. Full details, exclusions and limitation of General Accident's policies are found once you click through to their site after getting a quote.