General Accident car insurance

General Accident has been in the insurance business for over 100 years with their first incarnation founded in 1885. Now part of Aviva they draw on years of experience to create insurance policies and offer their customers the ability to manage their policy online 24/7.

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General Accident customers say:


4.5 green stars

4.5 rating based on 3392 reviews
as of 28/06/2023

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Why choose General Accident car insurance?

  • 24-hour emergency support so if your car isn't drivable following an accident, they'll fix it or take it to a garage
  • Motor legal services included as standard up to £100,000 in event of an accident
  • Telematics policies available which can help younger drivers in particular to save on their insurance

Who is General Accident?

General Accident traces its roots back to 1885, and has grown its presence across the UK during the 20th century, through both organic growth and acquisition.

In 1998, the company merged with insurer Commercial Union to form CGU. Only two years later, CGU merged with Norwich Union to form insurance giant Aviva, which relaunched General Accident as an online insurance brand in 2013 to reach customers through price comparison websites.

As an online insurer, General Accident says it’s offering a new and improved way for customers to buy their car insurance: once everything’s set up, you can access and manage your policy online 24/7.

General Accident offer value-for money car insurance for motorists in general, with both comprehensive and third party, fire and theft cover available. But they could particularly appeal to younger drivers both because of its online set up and its telematics offering, which is aimed at the 17-24 age group.

General Accident car insurance policy details

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 checking the cover and benefits.

General Accident offer three main types of policy:

Third party, fire and theft: Provides third party insurance - the minimum level of cover needed to drive on UK roads. It covers you if an accident involving your car injures someone or damages their property. This level also covers damage to your vehicle caused by fire or theft.

Comprehensive: Includes everything you get with their third party, fire and theft policy, as well as covering damage to your own vehicle. It typically includes personal accident cover and a courtesy or replacement car if yours is in the garage or written off.

Telematics: Also known as black box insurance, you'll need to agree to have a small plugin device installed in your car to monitor your driving behaviour. This gives you a score based on how safely you drive. Drivers with high scores will be seen as safer and may be offered a lower premium at renewal.

All of these policies 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.

You'll also get 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.

Full details, exclusions and limitation of General Accident's policies are found once you click through to their site after getting a quote.

Provider optional extras

General Accident offers a range of policy add-ons, allowing you to customise your cover and ensure it does exactly what you need it to.

For an extra fee, you can add the following to your standard car insurance policy:

  • Protected no claims discount (NCD) so if you've built up 3 years or more of NCD, you won't necessarily lose it if you need to make a claim. The amount of claims you can make without affecting your NCD increases the more years you gain
  • Hire car
  • keycare covers any keys attached to your keycare fob in event they are lost or damaged, so you'll always be able to get a new one.
  • Increased personal accident cover up to £60,000 or £120,000 if you, your partner or named drivers are injured in an accident involving your car.
  • Breakdown cover provided by the RAC with 6 levels of cover to choose from, ranging from roadside recovery to Roadside, Recovery, At Home, Onward Travel & European

Contact General Accident

If you need to make any changes to your General Accident policy, you can anytime through your online account or their app. You'll also be able to find their 24/7 claims helpline there.

General Accident don't have a general customer service number available at all times. But you'll be able to contact them by phone once you've got a quote and visited their site if you need help taking out cover.

They also provide phone support for the first 28 days of your policy, and again for 28 days before your renewal date, so they're available when you're likely to need them most.

If you need to make any changes to your General Accident policy, you can anytime through your online account or their app.

You can also contact General Accident by post at:

8 Surrey Street,

General Accident is a trading name of Aviva UK Digital Limited, authorised and regulated by the Financial Conduct Authority (firm reference no. 728985).

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Page last reviewed: 05/06/2023

Reviewed by: Louise Thomas