Auto & General car insurance review

Auto & General suits drivers who want a direct insurer with practical add-ons such as roadside assistance and optional legal cover, and who are happy to deal online or by phone.

It suits less if you want a broker to advise you, or if you only want bare-bones cover at the lowest price. If add-ons like legal support matter to you, this is where the brand stands out.

Auto & General offers comprehensive cover (accident, theft, hijacking, fire and third party damage), plus more limited third party fire and theft and third party only options. It is known for bundling roadside assistance and offering legal cover and other add-ons.

The exact cover, limits and add-ons depend on the plan you choose. Read your schedule and wording to see which extras are included by default and which cost more, so there are no surprises later.

Roadside assistance (for breakdowns, flat tyres, jump starts and the like) and optional legal cover are part of what makes Auto & General attractive to some drivers. These can add real day-to-day value beyond accident cover.

That said, add-ons have their own limits, call-out caps and terms. Check exactly what is included, how many call-outs you get, and what legal matters are covered before assuming the add-on does everything you expect.

Auto & General is a direct insurer, reached through its website, app and call centre rather than a branch network or broker. Use the official Auto & General site or app for current contact details, since published numbers and channels change.

We do not list phone numbers or addresses here, because they can change and we are not affiliated with the insurer. Always confirm contact details on Auto & General's own website or app to avoid scams.

Your excess is what you pay towards each claim and varies by vehicle, driver and options, with possible extra excesses for young or unlisted drivers. Confirm the figures on your schedule before a claim.

Claims can be reduced or rejected for the usual reasons: driving without a valid licence, drink driving, undisclosed business or e-hailing use, and non-disclosure of material facts. If the details you gave when taking out or updating the policy are wrong or incomplete, a later claim can be repudiated. Keep your regular driver, use and overnight parking address accurate.

Use this as an at-a-glance summary. Premium figures are indicative ranges for context only, not quotes - your price depends on your car, area, age and driving.

Claim directly through the Auto & General app or call centre. Report promptly, get a claim number, photograph the scene and damage, and keep documents. Accident claims usually need a police case or accident reference number.

If Auto & General rejects or underpays and internal channels do not resolve it, you can escalate free of charge to the National Financial Ombud (NFO), which absorbed the former Ombudsman for Short-Term Insurance (OSTI). Before buying, verify the insurer on the FSCA register.