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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

A. Yes. Volunteering work is covered as standard by our Motor policies. Delivering essential supplies to the elderly and vulnerable comes under this definition.

The HMRC have set out guidelines for volunteering should you wish to claim expenses.

Unfortunately, we’re not able to extend cover for you to deliver fast food, such as but not limited to Pizza delivery, Burgers, Indian / Chinese or where you are a courier delivering parcels as part of your occupation and where you are being paid a wage to do so.

A. We automatically cover you for driving in Europe, but there are a few things to bear in mind.

As standard, we’ll cover you to travel to European countries as often as you like, for up to 180 days total in a year. Although, none of your trips can last longer than 90 days.

Where your travel plans have been disrupted and you are no longer able to return to the UK within the 90 day period, we will extend cover in line with your current policy cover (continue to provide you with comprehensive cover), in the EU, until you are able to return or until your renewal date, which-ever is the sooner.

Please ensure you check your policy wording to ensure that you have the cover you require.

If your policy is due for renewal whilst you remain abroad, please contact us so that we can assist you further.

A. MOT’s for Cars, Vans & Motorcycles has been suspended for 6 months, effective 30th March 2020, however, you must ensure that your vehicle remains roadworthy. You could face prosecution if it is unsafe.

Further information can be found on the GOV.UK website

A. MOT’s for Cars, Vans & Motorcycles has been suspended for 6 months, effective 30th March 2020, however, you must ensure that your vehicle remains roadworthy. You could face prosecution if it is unsafe.

Further information can be found on the GOV.UK website

A. General Accident motor policies do not include any exclusions in the absence of a valid MOT (where one is needed).

While MOT testing has been suspended you should follow government guidance and not skimp on servicing and general checks to ensure that your vehicle(s) continue to be maintained in a roadworthy condition.

A. Driving tests have been suspended in the UK for 3 months from 21/3/2020 and in Northern Ireland from 20/3/2020 to 20/6/2020. You can still drive your vehicle, but you must ensure you comply with the provisional licencing rules to comply with the terms of your policy

A. Yes. It is vital that those who need a test can get one so DVLA is offering tests to those who have a critical need, such as the NHS and drivers delivering goods across the UK. Advice can be found on the DVLA website

A. Unfortunately we do not offer this option.



Helping our NHS workers and community volunteers

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 015 5755.

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 015 5755.

A. Initially for three months but we’ll review the situation as it evolves.



Payment deferral request

If you are experiencing temporary financial hardship caused by the pandemic and need help, we can defer your monthly payment and spread it evenly over the remaining term of your policy. Payment deferrals should only be used when necessary. Please review the eligibility criteria and important information below before making a request for payment deferral.

Eligibility Criteria
  • You have a car policy and you pay your premium monthly
  • The policy is currently active and you have paid 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 are the policy holder and one or more of the below situations applies to you, your spouse/partner or the primary named vehicle driver:
    • Have been furloughed and have not yet received the 80% payment scheme from your employer or
    • Are self-employed and are unable to work or trade because of Coronavirus, and haven’t yet received the 80% payment scheme via the Government or
    • Have been made unemployed at any point after 1 March 2020
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.