Thank you for visiting General Accident. We're excited about taking a different approach to insurance.
Please read these terms and conditions of use carefully - they apply to your use of this website. By proceeding with
access to our website you are deemed to have accepted these terms and conditions of use.
The pages on this website are intended for access and use by UK residents only and comply with appropriate UK
legislation and regulation.
If you are accessing this website from outside the UK, local legislation may not permit us to provide products for
you in your own country.
Please see our website at www.aviva.com for further details of Aviva’s services in other countries.
General Accident is a registered trademark of Aviva. We may also claim rights in other trademarks, service marks,
logos and icons contained on this site. All rights are expressly reserved.
General Accident operate an online only business and, subject to any legal or regulatory requirements, we shall
communicate with you by e-mail, SMS text or other electronic means in connection with your policy and associated
documentation (including but not limited to policy documentation, consumer credit documentation, claims handling
documentation and complaints).
No postal correspondence will be entered into at the outset of the Direct Debit sign up process if the option to pay
for your insurance by monthly Direct Debit is selected. Customers not wishing to sign up to Direct Debit online will
therefore not be able to purchase General Accident insurance on a monthly payment plan.
Access to the site and our rights in it
We are the owner of all copyright, design right, database rights and all other intellectual property rights in the
content of this Site, unless otherwise stated.
You can access and use this site for personal, non-commercial use only. You may not access or use this site for any
commercial purposes or otherwise exploit, extract, publish, distribute, or reproduce any part of it for any commercial
We will take very seriously any access to or interference with this site with intent to deny, corrupt or damage, or
otherwise interfere with service from the site, or for other commercial purposes. We will monitor any such use, and will
take whatever action necessary to protect this site from such activities. By using this site, you agree that damages may
not be an adequate remedy for any breach of the above access terms and conditions of use or infringement of any of our
rights by you, and you accordingly agree that we are entitled to any and all of the following remedies: injunction,
specific performance, orders to deliver up infringing copies or materials and any other legal or equitable relief for any
threatened or actual breach and/or infringement. You further agree that no proof of special damages is necessary for us to
obtain any such remedies.
We take all reasonable steps to ensure that the information contained withinthese pages is accurate and up-to-date.
If you suffer any loss to the extent that it has been caused by your reliance upon any errors or omissions contained
in the content of our website, where we have been negligent in failing to remove or remedy any such errors or omissions
then we are responsible to you However, we are not responsible for any losses in the following circumstances:
Whilst we take all reasonable steps to ensure this website is always accessible, we will not be held liable for any
losses due to out website being unavailable at any time or for any period where the cause of the failure is beyond our
reasonable control. We may also have to suspend access to the website for routine or emergency updates and maintenance, but
we will endeavour to keep any disruption to a minimum.
In addition we are not responsible for any loss or damage caused by viruses or defects of any description as a
result of your use of the website or to you downloading any material posted on it or a website linked to it. You must
ensure that you use appropriate virus checking software.
This website may also contain hypertext links to websites operated by third parties. The responsibility for the
operation and content of those websites shall rest solely with the organisation identified as controlling the third party
website, and will be governed by separateterms and conditions of use. Links are provided for convenience and inclusion of
any link does not imply endorsement in any way of the site to which it links . We accept no responsibility or liability
for the contents of any third party website.
We also do not guarantee that third party websites are free from viruses or anything else that could be infectious
with your rights and our obligations in relation to your personal data, including what we can do with it, to whom we may
disclose it together with your rights of access.
In addition to our liabilities which are outlined in the sections above we are also not responsible to you or liable
However, nothing in these terms and conditions of use shall exclude or limit our liability for death or personal
injury caused by our negligence or for our fraud or fraudulent misrepresentation.
We reserve the right to update these terms and conditions of use from time to time without notice to you. We
recommend you regularly revisit this page to ensure you have seen and are aware of our latest terms and conditions of use.
English law shall govern the use of the website and in the event of a dispute you irrevocably submit to the
exclusive jurisdiction of the English Courts
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The pages on this website are only directed at United Kingdom residents and comply with appropriate UK legislation
information when you visit our website.
General Accident is a trading name of Aviva UK Digital Limited. For more information concerning Aviva - www.aviva.com
The information that we collect via this website may include:
1. Any personal details that you type in and submit such as your name, address, e-mail address, date of birth,
lifestyle and other information.
2. Data that allows us to remember you, any interests that you have recorded and how you use this website. This
saves you from re-keying information when you return to the site and allows us to arrange our website content to match your
We use "cookies" to collect this data. Cookies are text-only strings of information that are stored on your web
browser or hard disk. You have the ability to accept or decline cookies by modifying the settings of your web browser.
However, you may not be able to use all the interactive facilities of our site if cookies are disabled.
Further details are available on our Aviva Cookie
Policy or for further information about how to disable cookies in your browser please visit the About Cookies Website.
3. Your IP address (this is your computer's individual identification number for internet connection) that is
automatically logged by our web server. This is used to note your interest in our website.
4. Your preferences and use of e-mail updates that are recorded by e-mails we send you (only if you have selected to
receive e-mail updates on products and offers).
Your information may be used for the purposes of insurance administration by the insurer, its associated companies,
by reinsurers and your intermediary. It may be disclosed to regulatory bodies for the purposes of monitoring and/or
enforcing the insurer's compliance with any regulatory rules/codes.
To ensure we have the necessary facts, provide you with our best payment options and protect you from fraud, we'll
use a variety of sources, including a credit check which will appear on your credit report if we provide you with a quote.
This information will be used to assess your insurance risk and provide you with our best premium.
Your information may also be used for offering renewal, research and statistical purposes and crime prevention. It
may be transferred to any country, including countries outside the European Economic Area for any of these purposes and for
systems administration. Where this happens, we will ensure that any one to whom we pass your information agrees to treat
your information with the same level of protection as if we were dealing with it.
The data you provide will be used by us and shared with other insurers as well as certain statutory and other
authorised bodies for insurance pricing and underwriting purposes, management information purposes, anti-fraud purposes and
compliance with legal obligations and responsibilities. You can ask for more information about this, if you required such
information, please contact firstname.lastname@example.org. Please note that if you give
us false or inaccurate information it may invalidate your insurance policy / prospective insurance policy or could affect
the amount we pay to settle any claims you make under the policy.
If you give us information about another person, in doing so you confirm that they have given you permission to
provide it to us to be able to process their personal data (including any sensitive personal data) and also that you have
told them who we are and what we will use their data for, as set out in this notice.
In the case of personal data, with limited exceptions, and on payment of the appropriate fee, you have the right to
access and if necessary rectify information held about you.
Aviva group, its agents and business partners may use your information to keep
you informed by post, telephone, facisimile, e-mail, text messaging or other electronic means, about products and services
that may be of interest to you. Your information may also be disclosed and used for these purposes after you policy has
lapsed. By providing us with your contact details, you consent to being contacted by these methods for these purposes. At
that time, we will provide you with a means of opting-out and in addition, you can contact us at any time to have your
details removed from lists used by us for directing marketing purposes.
You can ask us to update or remove your personal information by e-mail or by writing to the Customer Services
contact that is listed in the Aviva website where you negotiated or concluded the sale of your particular insurance or
financial product or service.
You also have the right to request a copy of all the personal information we hold about you. To do this, simply
write to us at the following address enclosing a cheque for £10.00 payable to Aviva to cover our administrative costs
in dealing with your request:-
The Data Protection Team
We will take all reasonable steps to confirm your identify before providing you with details of any personal
information we may hold about you.
website(s) will be subject to their own policies which may differ from ours. You should carefully read the privacy policies
of these websites before submitting any personal information.
You should also be aware that communications over the internet, such as e-mails, are not secure unless they have
been encrypted. Your communications may route through a number of countries before being delivered - this is the nature of
the internet. Aviva cannot accept responsibility for any unauthorised access or loss of personal information that is beyond
Protecting our customers is at the heart of everything we do at Aviva and protecting your information is no
exception. This means that any cookies used on our sites will not contain personally identifiable information about you.
and why we use them.
Cookies are small text files placed on your computer by websites or sometimes by emails. They provide useful
information to companies, which helps in all sorts of ways. For you, it means you can use the site more efficiently and
save time by not having to re-enter your details each time you visit. They also make sure you receive the most relevant
information from Aviva. For us, cookies help us to analyse how our customers interact with our sites so we can make
improvements. At General Accident, we use three types of cookies on our websites.
Some of these cookies are essential and some are optional.
Certain cookies are necessary in order for you to use our website. These are used ‘in-session’ each time
you visit and then expire when you leave our site. They’re not stored on your computer and they don’t contain
any personal data. You can delete them via your browser if you wish to, but this will restrict the functions that
you’re able to carry out on our site. For more information about how to disable cookies in your browser, please visit
the About cookies website
Here’s a list of essential cookies and how we use them:
These enable you to carry out some essential functions on our sites, such as maintaining log in details
for the session or a transaction. They also help by minimising the need to transfer information across the internet. They
are not stored on your computer and they expire when you terminate your browser session.
These enable us to recognise repeat visitors to the site. By matching an anonymous, randomly generated
identifier, we’re able to record specific browsing information such as how you arrive at the site, the pages you
view, options you select, and the path you take through the site. By monitoring this information we’re able to make
improvements to our sites.
We use Omniture's software to analyse page use, page interactions and the routes our customers take
through our sites. These are known as 'web metrics'. We don’t record any personal information you provide during an
on-site purchase or any other process.
These cookies are usually supplied by our business partners and help us to filter out irrelevant messages or pop-ups
and to make sure that we only send you information that’s interesting and relevant to you. Here’s a list of
optional cookies and how they’re used:
Survey control cookies
These are provided by our business partners such as ServiceTick to enable us to send surveys about our
sites to customers. Accepting this cookie means that you won’t be asked to complete the survey if you’ve
already done so or declined previously.
Provided by our online advertising supplier, these cookies are used to serve our internet advertisements
on other sites. Some of our web pages may contain electronic images that help us see how users interact on these pages.
They may also provide DoubleClick with information about the interaction.
These cookies help us tailor the advertisements you see on third party sites by understanding what
interests you on our sites, such as the pages you view. We don’t combine this information with other personal
information you provide us with.
Provided by our bookmarking supplier, these cookies enable you to easily bookmark selected pages.
From time to time General Accident use Google Analytics. This is a web analytics service provided by
Google enabling us to recognise repeat visitors to the site. By matching an anonymous, randomly generated identifier,
we’re able to record specific browsing information such as how you arrive at the site, the pages you view, options
you select, and the path you take through the site. By monitoring this information we’re able to make improvements to
Google also reserve the rights to the data collected.
You can block any cookies from any website through your browser settings. For more information about how to disable
cookies in your browser please visit the About
These cookies make it quicker and easier for you to access sites on subsequent visits that use Flash technology.
Deleting them means you may have to re-enter information each time you visit the same site. But just like any cookie, you
can delete Flash cookies by going to the Settings Manager for your Adobe Flash Player. You will be taken to the Adobe
website, which lists the websites with the cookies in your browser. Just click Delete opposite the relevant website.
We only use essential cookies within our mobile applications. You cannot opt-out or delete these
cookies as they are critical to the functionality of the application. These cookies are not shared with any other
application on your mobile device. We never use these cookies to store personal information about you.
You’ll find more information about cookies at www.allaboutcookies.org, which gives details on how to delete cookies from your computer. For information
on how to do this on your mobile phone browser, please see your handset manual.
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