General Accident car insurance review

General Accident car insurance is underwritten by Aviva Insurance Limited. You can buy a policy direct or through comparison websites.

We've reviewed General Accident's standard car insurance policy, simply named General Accident. We didn't receive feedback from enough customers to rate its levels of service.

The policy covers drivers aged between 18 and 80.

Please note that this article is for information purposes only and does not constitute advice. Please refer to the particular T&Cs of an insurer before committing to any financial products.

Does General Accident offer the best car insurance?

See how this compares with the best car insurance or read more about how we rate car insurance.

What does General Accident car insurance cover?

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'An impressive policy full of useful features'

Dean Sobers, Which? car insurance expert, says:

General Accident’s car insurance cover earned 66% in our analysis, placing it comfortably in the upper half of our table and getting our Best Buy recommendation.

Areas in which the policy did well included onward travel cover. You’re covered for transport to your destination if you’re involved in an accident en route and can’t complete the trip yourself. 

It also guarantees repairs it arranges for the lifetime of the car.

While it succeeded more often than it failed in our analysis, there were some areas where we weren’t quite as impressed. 

Only the main driver can build no-claims discount on the policy. In some policies, other drivers – such as the main driver’s spouse – can also earn this.

It also has a comparatively low level of cover for personal belongings in the car, at just £150. The average policy we reviewed provided £351.

No accidental damage excess

A subtle way insurance policies can offer less than they seem to is when it comes to compulsory excesses, which have the effect of making low-cost claims counterproductive.

General Accident’s policy was one of just 11% that did not impose a mandatory excess for accidental damage claims. You can select your own to help bring down the premium. 

How good is General Accident at handling claims?

General Accident’s underwriter Aviva Insurance Limited accepted 95% to 100% of car insurance claims in 2024. This was around the average (98.8%) for the market.

Of customers who claimed, 0% to 5% made a complaint, which is below the average (6.9%).

How can you save money on General Accident car insurance?

You can buy a General Accident policy directly from its website, or from the following comparison websites:

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

Car insurance policies are generally cheaper to buy through comparison websites than directly online, but it's always a good idea to compare all prices.

General Accident doesn't offer a discount if you buy a policy for more than one car or if you buy joint car and home insurance.

The above information is correct as of December 2025.

How does General Accident compare with other providers?

With a policy score of 66%, General Accident's Best Buy car insurance sits just behind policies from three providers – Allianz, Direct Line, Moja – that all scored 67%.

General Accident: how can I claim?

If you need to make a claim with General Accident car insurance, you can call 0345 030 7956 or start a claim online.

• Find out more: is it worth claiming on your car insurance?

Should you buy General Accident car insurance?

Yes. If it offers you a competitive quote, we think General Accident’s cover is well worth considering.

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