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%