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General Accident car insurance review

Read Which?'s expert review of General Accident's car insurance. Find out how we rate General Accident's car insurance policy against 33 other providers.

In this article
What does General Accident car insurance cover? Does General Accident offer the best car insurance? General Accident's car insurance policy: is it good or bad?
How can you save money on General Accident car insurance? What is General Accident's car insurance claims number?

The General Accident and Employers' Liability Assurance Association Ltd was founded in 1885, but the General Accident brand is now part of Aviva - one of the biggest car insurers.

We've also rated the other Aviva car insurance brands Aviva and Quotemehappy.com.  

Read our reviews of all the insurers who took part in our car insurance analysis.

What does General Accident car insurance cover?

Elements marked with a are covered as standard, those marked with a are not covered as standard. Elements marked with a £ can be added to a policy as optional extras for an additional cost.

 

Courtesy car

 

Provides the policyholder with a car to use while repairs are carried out on their vehicle as part of a claim

 

Personal accident

 

Covers the policyholder and passengers if they are injured in an accident

 

Stolen keys cover

 

Covers the cost of replacing keys and locks in the event that your car keys are stolen

 

£ Lost keys cover

 

Covers the cost of replacing keys and locks in the event that your car keys are lost

 

£ NCD protection

 

Allows the policyholder to make a specified number of claims over a period without affecting their no claims discount

 

£ Motor legal protection

 

Covers legal expenses for legal action you may take as the result of an accident

Does General Accident offer the best car insurance?

Here's how General Accident scored in our latest car insurance survey:

Car Insurance
General Accident review
Overall Which? score
%
Our total score score combines ratings from real customers of the provider, and our expert analysis of the provider's policies. The total score is made up of 50% of the Customer Score and 50% of the car insurance policy score.
Which? customer score
%
Which?'s rating for customer satisfaction, based on feedback from real customers who recently made a claim. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
Policy score
%
Which?'s rating of the quality of this company's car insurance policy. We analysed 73 features of its cover to calculate the policy score.
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To help you find the best car insurance policy, Which? goes the extra mile to sort the best from the worst.

 

How we analyse car insurance

 

We analyse and rate 73 key elements of standard car insurance policies to come up with the overall policy score. We assess how important each individual element is to drivers when choosing and using a car insurance policy, and weigh it accordingly when calculating our total policy score. 

Initially, we score all of the product elements out of five, reflecting how competitive each provider is in this area compared with other insurers. Weightings are then applied to the higher and lower element scores to enhance/reduce their impact in the overall product score.

General Accident's car insurance policy: is it good or bad?

General Accident's car insurance policy ranked 38th of the 49 policies we scrutinised, with a low score of 57%.

It has some plus points. It boasts £25,000,000 liability cover (including legal costs and expenses), and your no claims discount won't be affected if you claim for an accident caused by an uninsured third party.

On the downside it has fairly high excesses, and higher than average cancellation fees - £28 if you cancel within the policy's first two weeks, £56 if you cancel afterwards.

We've rated hundreds of policy details and picked out the best and worst elements of this cover.

Members can log in to read our full policy analysis. If you're not already a member, join Which? and get full access to these results and all our reviews.

In detail: every part of General Accident's car insurance rated

Weighting Policy element Details Rating
Most important Courtesy car - included? Logged out detail Logged out padlock
Most important Courtesy car - guaranteed availability? Logged out detail Logged out padlock
Secondary Courtesy car period Logged out detail Logged out padlock
Other Courtesy car provided if car is stolen? Logged out detail Logged out padlock
Most important Windscreen damage - limit per claim (Approved Repairer / Non-approved repairer) Logged out detail Logged out padlock
Most important Window damage - limit per claim (Approved Repairer / Non-approved repairer) Logged out detail Logged out padlock
Secondary Sunroof damage - limit per claim (Approved Repairer / Non-approved repairer) Logged out detail Logged out padlock
Secondary Personal belongings - limit per claim Logged out detail Logged out padlock
Other Medical expenses - limit per claim Logged out detail Logged out padlock
Other Physio treatment included under medical expenses? Logged out detail Logged out padlock
Other Prescription costs included under medical expenses? Logged out detail Logged out padlock
Other Dental treatment included under medical expenses? Logged out detail Logged out padlock
Other Audio equipment - Limit per claim (Manufacturer fitted / Non-manufacturer fitted) Logged out detail Logged out padlock
Other Sat Nav - Limit per claim (Manufacturer fitted / Non-manufacturer fitted) Logged out detail Logged out padlock
Other Child car seat - Limit per claim Logged out detail Logged out padlock
Secondary Misfuelling cover - included? Logged out detail Logged out padlock
Secondary Misfuelling cover - what's covered? Logged out detail Logged out padlock
Secondary Misfuelling cover - limit per claim Logged out detail Logged out padlock

Table last updated in February 2022. Next update in February 2023.

To see how General Accident's car insurance compares to other policies check our guide to the best and worst car insurance.

How can you save money on General Accident car insurance?

The first offer an insurer makes isn’t necessarily the best they’re able to provide - especially if you’re renewing. So, before coughing up your cash, check what other insurers are offering for comparable cover and ask if your current insurer can better it.

Carefully consider what’s optionally included in the quote. You may want the confidence of an all-singing, all dancing policy - but certain add-ons might not be for you, or could duplicate cover you already have separately.

Where you buy your cover can sometimes make a difference to what you’ll end up paying, which is why we recommend checking prices through multiple comparison sites (where available) as well as trying them direct.

General Accident's car insurance policy is available on the following price comparison websites:

  • Compare the Market
  • Go Compare
  • Confused.com
  • MoneySuperMarket
  • Mustard

 

Membership discount

 

A discount to your premium for being a member of an organisation

 

Joint car and home insurance discount

 

A discount to your premium for buying your car and home insurance from the same provider

 

Multicar discount

 

A discount to your premium for insuring more than one car on the same policy

 

Dash cam discount

 

A discount to your premium for owning a dash cam

Above information correct as of December 2021. For more tips see our guide to getting a cheap car insurance quote.

Get a car insurance quote with Confused.com

What is General Accident's car insurance claims number?

If you need to make a claim with General Accident car insurance call 0345 030 7956.

 

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