National General Car Insurance Review
National General, now owned by Allstate, offers auto insurance with strong features like accident forgiveness and RV/motorhome policies. They are known for insuring high-risk drivers and offering fast claims.
Company & Policy Details
Company Information
Established
1939
Underwritten by
National General Insurance (Allstate)
Market Position
Customer Service Hours
24/7
Ratings & Performance
Claims Satisfaction
Financial Strength
A+
Mobile App
Policy Features
No Claims Discount Protection
Up to 5 years
Telematics Option
Available
Multi-Car Discount
Available
New for Old Replacement
Vehicles up to 2 years old
Uninsured Driver Promise
Included
Paperless Discount
Available
Key Benefits
- Part of the Allstate family
- Accident forgiveness and roadside benefits available
- Specialty vehicle coverage like RVs and classic cars
Available Features
Customer Service
Premium Range
From
£675.00
Average
£908.33
Cover Types
- Comprehensive
- Liability + Collision
- Liability Only
Coverage Distribution
Comprehensive
33.3%
Third Party Fire & Theft
0.0%
Frequently Asked Questions
What sets National General apart?
They focus on non-standard drivers and specialty vehicle policies.
Is accident forgiveness available?
Yes, drivers may qualify for accident forgiveness.
Can I bundle with other insurance types?
Yes, you can bundle with renters, home, and health insurance.
How fast is their claims process?
Many claims are resolved within 48 hours for simple cases.
In-Depth Provider Analysis
Expert Analysis: National General Car Insurance
National General, now part of Allstate, specializes in both standard and non-standard auto insurance, with strong support for SR-22 filings and high-risk drivers. Known for flexible payment plans and quick online quotes, it offers add-ons like roadside assistance, accident forgiveness, and vanishing deductible. The insurer leverages Allstate’s infrastructure while maintaining regional underwriting flexibility.
Professional Editorial Review
National General provides essential coverage to underserved drivers, balancing flexibility and reliability. Ideal for non-standard customers needing access, but may lack polish for tech-first users.
Market Position
A strong regional non-standard carrier under Allstate’s umbrella.
Pricing Strategy
Pricing combines non-standard specialty with optional add-ons to improve renewal value.
Who Should Consider National General? A Detailed Analysis
High-risk drivers, seniors, and families seeking customizable coverage with non-standard options.
Ideal Customer Profiles
May Not Be Suitable For
Key Strengths & Advantages
Strong niche underwriting for high-risk drivers
Flexible and inclusive policies
Easy online access to quotes and payments
Quick add-on options to enhance coverage
Important Considerations
Premiums can be higher after first term
Claims service tied to region, not national network
Limited brand recognition outside SR-22 market
What Makes National General Stand Out
SR-22 filing assistance and non-standard acceptance
Accident Forgiveness and Vanishing Deductible add-ons
Multiple payment options including pay-as-you-drive
Part of Allstate family with financial and support backing
Claims Process Analysis
Claims can be submitted online, via phone, or through an agent. Service is managed locally with access to repair networks, though turn-around times vary regionally.
Claims Process Highlights:
- • Online reporting available 24/7
- • Typical processing time: 5-7 working days
- • Network of approved repairers nationwide
- • Courtesy car provision where applicable
Customer Service Experience
Customer service operates through local agents under the Allstate umbrella with mixed satisfaction ratings—strong for availability, average for resolution speed.
Service Features:
- • Business hours support (9am-5pm)
- • Online policy management portal
- • Email and phone support channels
- • Self-service options for routine tasks
UK Car Insurance Market Context
Understanding how National General fits within the broader UK car insurance landscape helps contextualize their offerings. The following statistics provide insight into current market conditions and help you evaluate whether National General's approach aligns with your needs.
These market statistics help put National General's pricing and service levels in perspective. When comparing quotes, consider not just the premium but also the level of service and coverage you're receiving relative to these industry benchmarks.
Expert Analysis by Sarah Mitchell
Sarah is a licensed insurance expert with over 8 years of experience in the U.S. auto insurance market. She focuses on consumer education, policy comparisons, and claims support.
Areas of Expertise:
Methodology: This analysis is based on comprehensive research including policy documentation, customer feedback analysis, claims data review, financial strength assessment, and competitive market analysis. We maintain strict editorial independence and regularly update our reviews to reflect market changes.
Last updated: 8/5/2025 | Word count: Approximately 1,200 words | Reading time: 5-6 minutes
Detailed Questions About National General
How does National General compare to other budget insurers in terms of value for money?
National General positions itself competitively within the budget insurance segment by focusing on essential coverage at competitive rates. While they may not offer the extensive additional benefits of premium providers, they deliver solid core coverage that meets legal requirements and provides reasonable protection for most drivers. Their pricing strategy typically places them in the lower quartile of market rates, making them attractive for cost-conscious consumers.
What should I expect from National General's claims process?
Claims can be submitted online, via phone, or through an agent. Service is managed locally with access to repair networks, though turn-around times vary regionally. The key is to report claims promptly and provide all required documentation upfront to avoid delays. While they may not offer 24/7 claims support, their online reporting system allows you to initiate claims outside business hours.
Is National General suitable for young or inexperienced drivers?
National General can be particularly attractive to young drivers due to their competitive pricing, which is crucial for this demographic facing higher insurance costs. However, young drivers should consider whether the lack of telematics options might mean missing out on potential additional savings available through usage-based insurance programs offered by some competitors.
How reliable is National General for long-term coverage?
National General has maintained a consistent market presence and financial stability through their underwriter. For customers seeking long-term relationships with their insurer, the key considerations are their renewal pricing competitiveness and whether their service model continues to meet your evolving needs. Budget providers like National General work best for customers who prioritize cost over premium service features.
Transparency & Methodology
This comprehensive analysis represents independent editorial opinion based on extensive research ofNational General's policies, customer feedback, financial strength, and market positioning. We do not receive compensation from National General for this review, and our analysis aims to provide balanced, factual information to help consumers make informed decisions.
Data Sources: Policy documents, regulatory filings, customer satisfaction surveys, industry reports, and comparative market analysis. All information is verified against official sources and updated regularly to maintain accuracy.
Important: Insurance needs vary significantly between individuals. This analysis provides general guidance, but you should obtain personalized quotes and review policy terms before making decisions. Prices and policy terms may change, and actual quotes will depend on your specific circumstances.
Next Steps with National General
How to Get Coverage
- Visit National General's website directly
- Takes about 10-15 minutes to complete
- Have your vehicle registration and driving license ready
Important Note
The statistics and information shown here are based on real market research and actual policy data. However, your actual quote may vary based on factors such as:
- Your vehicle's age, make, and model
- Your age, driving history, and location
- No claims bonus and voluntary excess
- Current market conditions and provider pricing
Please contact National General directly for the most accurate and up-to-date quotes for your specific situation.