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Car insurance

Thank you for visiting General Accident. We're excited about taking a different approach to insurance.

The COVID-19 pandemic
We know you're concerned about what coronavirus means for you – find out how it could impact you Read more
  • Short Term Cover
  • 24/7 telephone support for claims
  • Manage your policy online
  • Comprehensive cover at a low price
  • Telematics cover
  • Third party, fire & theft cover
  • 24/7 telephone support for claims

COVID-19 - Frequently asked questions

Motor

A. We'll do everything we can to support you if you've been affected by coronavirus.

Please don't cancel any payments or Direct Debits. Missing a payment may mean you run the risk of your policy being cancelled and we don't want you to be left uninsured.

You can review your cover online to ensure it still meets your new circumstances.

To help you further, we won't charge a fee to make certain changes to your policy or if you decide you need to cancel.

We may be able to defer your monthly payment and spread it evenly over the remaining term of your policy. It’s not suitable for everyone as it means paying back higher monthly payments in the future. If you'd like to know more, you can find out if you're eligible for a payment deferral and how to apply below.

You can find free impartial advice online with the Money Advice Service.

A. You're legally required to ensure your vehicle remains insured, otherwise you could be prosecuted and fined up to £5,000. If you plan to keep your vehicle off the road, you can apply for a Statutory Off-Road Notification (SORN) with the DVLA and, once this is complete, you don’t legally need insurance. When you want to use your vehicle again, you’ll need to tax and insure your vehicle to avoid penalties.

A. We don’t offer Fire & Theft Only cover.

A. Your repairer will contact you to arrange delivery and collection when your vehicle is going into the repairer and when it is ready, so please let them know you’re self-isolating.

All possible steps will be taken to make sure we follow social distancing guidelines. We’ll take any excess or VAT charges over the phone before delivery.

A. If they’re a named driver, then they’re insured. If not, you can add them, but this may increase your premium and other fees may apply.

Anyone with a 'driving other cars' extension on their policy could legally drive your vehicle, but we can’t advise on this.

You can call the DVLA vehicle tax service on 0300 123 3221. Your insurance isn’t affected by your road tax validity, but you legally must tax your vehicle to avoid a fine of up to £1,000.

A. Yes, your insurance is unaffected.

A. Yes, but please follow the government’s social distancing advice.

A. Yes. If there's no return premium we won't change the current mileage on your policy. If your renewal is due, you can requote based on the requested mileage by going to your My account.

A. Yes. Volunteering work is covered as standard by our motor policies, therefore delivering essential supplies to the elderly and vulnerable is included.

Unfortunately, we can’t extend cover if you're being paid to deliver either food, or parcels, as part of your job whilst driving your vehicle. This is classed as Hire and Reward and is not covered under our policy.

A. If you're by the roadside and require immediate assistance, please contact us by telephone on 0345 030 6944. If you and your passengers are safe and your vehicle is driveable or in a safe location, please report your claim online at https://www.generalaccident.com/our-cover/making-a-claim.



NHS

A. Roadside – a patrol (or contractor) to attend to you and your vehicle, diagnose fault and attempt repair (where appropriate). In the event that a repair is unsuccessful or not feasible (catastrophic fault) then you will be towed to a destination within 10 miles of the breakdown.

Recovery – where a Roadside service as above does not result in your vehicle being fixed, a tow for you and up to 7 passengers to any single destination in the UK.

At home - the Roadside service, but when the breakdown has occurred at your home address (or within ¼ of a mile of that address).

If you need to use the breakdown cover, please call 0800 051 1758.

A. NHS customers will be asked to provide their NHS ID to the RAC patrol engineer. If they don’t have this on them for any reason, then a copy can be provided once they have arrived home (e.g., a photo of the ID badge sent by email).

For other enhancements, customers may be asked for a form of identification when they make a motor or home claim. They're provided at no extra cost to our customers who are NHS workers (subject to a qualifying product).

A. Any General Accident product will be eligible.

If you need to use the breakdown cover, please call 0800 051 1758.



Payment deferral request

If you’re struggling financially due to Coronavirus (COVID-19) and need help, we can defer your monthly payment and spread it evenly over the remaining term of your policy. Check the eligibility criteria and important information below before requesting a payment deferral.

Eligibility Criteria
  • You have a car policy and you pay your premium monthly
  • The policy is active and you’ve made at least one payment
  • Unfortunately, if you have no further payments or only one further monthly payment due, we are unable to defer your payment
  • You’re the policyholder and you, your spouse/partner or the primary named vehicle driver:
    • have been made unemployed at any point after 1 March 2020, or
    • are experiencing significant financial difficulty as a result of a temporary reduction in income caused by Covid-19.
Important information
  • You can submit an application to defer one month’s payment(s) at a time, up to a maximum of three months. Any deferred payment will be spread evenly over the remaining term of your policy. This means that your overall premium will remain the same, but your monthly payments will increase.
  • Increasing the number of times you defer your payment means you are spreading your overall premium over a shorter period. This means that, when you start paying again, the amount you pay each month will be higher.
  • Failure to pay the new increased future monthly payment could negatively impact your credit rating.
  • This request will apply to all eligible car policies you have with us.
  • You will be requesting to defer your next payment which will be spread evenly over the remaining term of your policy. This means the overall premium will remain the same, however your monthly payments will increase. All other terms of your insurance policy will continue to apply.
  • Provided you meet the eligibility criteria, confirmation of your revised future payments will be sent to you once we have processed your request.
  • If you pay for your policy using an Aviva credit option, your total amount payable and APR as set out in your Credit Agreement will not increase. All other terms of your Credit Agreement will continue to apply. To confirm payment deferral will not impact your credit score.
  • Please don’t cancel any future payments. These will be will be updated automatically to reflect your increased payments. Payments will be taken on the same date each month using your current payment method.
  • The information you provide will be used to determine your eligibility for payment deferral. This information will not impact on premiums for future insurance policies. Please see our Privacy Policy and your Important Information document for more information about how we process your personal data and your individual rights.
  • We reserve the right to refuse your payment deferral request if you don’t meet the eligibility criteria.
  • We can withdraw the offer of payment deferral at any time.

If you decide to request a deferral, this means that you agree you have read the above information and eligibility criteria. It also means that you understand by deferring your next payment, your future payments will increase and continue to be collected using your current payment method.

This request defers your next monthly payment. If you think you need to defer future payments, you will need to apply again. You can apply for a further deferral 10 days after your last application.