General Accident is a car insurance specialist based in London, it was first established in 1885.
Since being founded, General Accident and has since been involved in numerous mergers culminating in its merger with Norwich Union in 2000.
The General Accident brand is now a trading name of Aviva and was reintroduced in 2013. It now provides car insurance directly and through price comparison sites. Policies are underwritten by Aviva, which is a FTSE 100 company.
Our product ratings are designed to help you choose a quality product. We rate policies on the key features that are most important for the majority of customers.
Car insurance
3 products reviewed
Electric Car Insurance
2 products reviewed
General Accident
Car Insurance
| Feature | Value |
|---|---|
| Courtesy car for duration of repair | Yes |
| Uninsured driver promise | Yes |
| Cover limit for lost keys |
£300.00
|
| 24hr helpline available | Yes |
| New car replacement | Yes |
| Courtesy car provided if stolen / total loss | No |
| Windscreen repair excess |
£25.00
|
| Windscreen replacement excess |
£150.00
|
| Cover limit for stolen keys |
£300.00
|
| Cover for replacing original audio/visual equipment |
Unlimited
|
| Repairs guarantee (years) |
Lifetime
|
| Vandalism | Yes |
General Accident
Car Insurance (with Keycare Cover)
| Feature | Value |
|---|---|
| Courtesy car for duration of repair | Yes |
| Uninsured driver promise | Yes |
| Cover limit for lost keys |
£1,500.00
|
| 24hr helpline available | Yes |
| New car replacement | Yes |
| Courtesy car provided if stolen / total loss | No |
| Windscreen repair excess |
£25.00
|
| Windscreen replacement excess |
£150.00
|
| Cover limit for stolen keys |
£1,500.00
|
| Cover for replacing original audio/visual equipment |
Unlimited
|
| Repairs guarantee (years) |
Lifetime
|
| Vandalism | Yes |
Third Party, Fire and Theft Car Insurance
1 product reviewed
General Accident
Third Party Fire & Theft Car Insurance
| Feature | Value |
|---|---|
| Courtesy car for duration of repair | No |
| Uninsured driver promise | No |
| Cover limit for lost keys |
£0.00
|
| 24hr helpline available | Yes |
| New car replacement | No |
| Courtesy car provided if stolen / total loss | No |
| Cover limit for stolen keys |
£0.00
|
| Cover for replacing original audio/visual equipment |
Unlimited
|
| Repairs guarantee (years) |
Lifetime
|
| Vandalism | No |
Courtesy Car (Add-on)
1 product reviewed
General Accident
Hire car - optional cover
Motor Key Cover
1 product reviewed
General Accident
Keycare
| Feature | Value |
|---|---|
| Cover limit for broken keys (or keys broken inside a lock) |
£50.00
|
| Annual policy limit |
£1,500.00
|
| Days before you can make a claim |
0 days
|
| Lost key waiting period |
2 days
|
| Onward transport cover |
£100.00
|
| Additional Keys covered | Yes |
| Cover if duplicate keys are easily available | Yes |
Motor Legal Cover
1 product reviewed
General Accident
Legal Protection
| Feature | Value |
|---|---|
| Uninsured loss recovery Limit |
£100,000.00
|
| Personal Injury limit |
£100,000.00
|
| Motor Prosecution defence Limit |
£10,000.00
|
| Uninsured driver benefit | No |
| Consumer Disputes Limit |
£0.00
|
| Database Disputes Limit |
£0.00
|
| Vehicle Cloning Limit |
£0.00
|
| Uninsured driver benefit (Minimum pay out) |
£0.00
|
Our unique Customer Experience Ratings help consumers find companies that offer a good service.
Car insurance
Ranked 16th of 49 providers reviewed
| Customer happiness score | 57.61% |
|---|---|
| Customer trust score | 53.9% |
| Complaints performance | 67.02% |
| Transparency rating | 80.95% |
|
Fairer Finance Score Reviewed Autumn 2026 |
64.87% |