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'General Accident Insurance' Company Life Review 12/2024
General Accident Life Insurance Review
'General Accident Insurance' Background
The General Accident and Employers’ Liability Assurance Association was founded back in 1885 Perth, Scotland. It was launched by local Scottish businessmen & its main object then was to provide local farmers and others with accident insurance.
General Accident PLC then grew during the next century into one of the biggest UK Insurers, spanning various sectors of both insurance & financial services.
During that period, General Accident PLC tookover various rivals like Yorkshire Insurance & the Provident Mutual, which set up the first UK group life assurance scheme.
General Accident Life Insurance
Back in the day, General Accident life insurance often had commercial ties direct with various major UK banks and building societies.
Whether that be for an endowment to help repay a mortgage, savings & investments & pensions. Or a General Accident quote on life insurance for the family, car or home insurances.
These various General Accident insurance products were all available to either sold by their tied agents, IFA's & insurance brokers.
In response to the growing trends for insurance consolidation in the international marketplace, General Accident decided to merger with fellow rival Commercial Union in 1998 to form CGU.
Both these providers all once had their own large sales forces (GA & CUFS), which were mostly split up once they merged.
At the time, it was reportedly said that this could put upto 3,000 UK jobs at risk in the life insurance industry. This action for change would continue well into the millennium in the financial services sector.
In 2000, Norwich Union also merged with rivals CGU; Upon joining forces, these 3 old life insurance industry titans all then formed the newly named CGNU Life Insurance Group.
From 2002, they later rebranded to all now became part of the newly formed Aviva Group within the UK.
Some people back then may have wondered why if getting a claim, maturity payout or queries on their old policy, any general accident complaints or enquiries were now being dealt with by another company.
Today, 100's of old companies have come together to make up Aviva in 2024 as we all know it.
For well over the last 100 years plus, their policies were once a popular proposition in the UK life insurance & pensions market amongst other leading providers.
'General Accident Car Insurance' Relaunch
In 2013, the parent company Aviva then decided to bring back their esteemed old brand General Accident into the UK insurance market.
10 years+ later on from its popular brand name disappearing, this time the insurer was mainly just concentrating on the General Accident car insurance side & for their UK internet shoppers business only.
Who knows if they may then decide to also maybe move their regarded brand profile back into the online UK life insurance or home insurance marketplace also?
*Are General Accident any Good?
Focusing just on the car insurance side of their business in 2024, Trustpilot reviews overall rating them around 4/5.
However their respected old brand name & subsidiaries did not just continue within the UK, but also worldwide.
So the General Accident insurance company name also continues today in various parts of the Caribbean eg; Jamaica, Trinidad & Tobago.
General Accident Insurance UK - Funny TV Advert 1979
The above old General Accident car insurance TV Advert, focused in on using the popular Fawlty Towers star John Cleese as his usual sarcastic Basil Fawlty style self.
General Accident Ins Review Xmas 1904 Santa Claim?
Over 100 years ago, a gentleman from Shrewsbury supposedly once made a Xmas claim to General Accident Ins - after being injured one Christmastime.
According to their GA insurance archives, he was thrown from a sleigh. He then received the princely sum of £78 for his trouble from the insurers.
An interesting FT article commenting on this gentleman's general accident, amusingly said that they didn't think Santa was actually from the Shrewsbury area; So it probably wasn't that big guy himself.
General Accident Reviews
General Accident Insurance Review | Broker FAQ
*General Accident Insurance Company still part of Aviva?
Who owns General Accident Aviva? Yes, as General Accident is part of Aviva, they then still look after General Accident Insurance reviews on old policy administration, as part of their heritage legacy section.
For best General Accident contact number, please contact Aviva customer services for any ongoing policy queries eg. General Accident Pension, Life Insurance or any General Accident complaints.
*Changes to your old Life Policy?
In terms of changing your existing General Accident Life Insurance policy, often you can request some of the following via Aviva:
- reduce or perhaps extend the period of insurance cover
- decrease or increase the amount of lifecover
- remove indexation option or any specific paid for policy features
- change the collection date of your usual premiums
- take off a life assured from a joint policy eg; if a unmarried couple or new parents sadly split up
These changes could be subject to new Aviva medical underwriting based on your circumstances at the time & may well affect your premiums.
Note: customer services phone number for any General Accident reviews is via Aviva.
Are General Accident any good?
*How do I cancel my Life Policy?
You may cancel your existing General Accident Aviva plan at any time, if your circumstances have now changed. But your life insurance cover would usually then end.
However, if you should cancel the insurance policy, you may not get anything back, particularly if your policy has no cash-in values.
This also means if your health changed adversely afterwards & you then tried to request a new (now Aviva life insurance) policy is put back onto cover again, this maybe declined.
We suggest you seek professional advice first before taking this course of action for any General Accident Aviva Ins policy & contacting General Accident UK office address (via Aviva).
*Put existing 'General Accident' policy into Trust?
When any life insurance policy isn’t written into trust, it will be generally paid over to the executors of the deceased’s estate.
They will handle the administration, known as probate in N Ireland, England, Wales and confirmation in Scotland.
If not, the death insurance benefits will fall into your estate if you died prematurely. If you have not made a will, this can then cause further complications with the life insurance monies.
Until probate is fully granted, no monies can be paid out to those named in the will. On average, this can take upto 6 months+.
Note: By not placing the plan into trust may also swell up the total estate values, leading to potentially Inheritance Tax IHT issues.
So placing a policy in trust can help to ensure that the policy proceeds go to the correct beneficiaries you decide to nominate at that stage. It can also help avoid possible probate delays & IHT costs.
Ask the Insurers Aviva General Accident life insurance customer services to kindly provide their available usual standard protection trust form wordings. Seek legal advice if unsure.
*What about lifestyle changes after taking the policy out?
Any health or lifestyle changes since, usually does not void your existing General Accident life insurance policy, if it wasn’t relevant at that time of initial underwritten insurance application.
For example, later on diagnosed diabetic type 2. It maybe the Insurers requested GP reports when you originally apply, to check any health details disclosed. Likewise they may not.
So take care to doubly re-check on your application what you initially disclosed to the Insurers (now Aviva), as this information then stands now and in the future. Please check your original T&C’s.
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