One Call Car Insurance Review
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Our articles are written by experts in their fields (finance, trading, insurance etc.) whose signatures you will see at the beginning and at the end of each article. They are also systematically reviewed and corrected before each publication, and updated regularly.
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This is the ultimate review to guide you through One Call car insurance.
You might already know that One Call offers several car insurance policy options.
Some are great, others not so much.
So if you want to get:
- Better value for money for your car insurance
- Indicative quotes
- Tips to lower your insurance premium, then you might love the following article.
Let’s dive right in.
Is One Call the best car insurance provider?
Getting the best car insurance deal is not all about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good payout if you ever have an accident.
We’ve studied in detail One Call car policy terms and conditions and given our own ratings based on different criteria.
4 Safe overall rating for One Call
| Our rating | Our opinion | |
|---|---|---|
| Customer service & satisfaction |
Live chat feature | |
| Cover provided |
Wide range of covers available such as Black Box Insurance, Temporary Car Insurance, Comprehensive Insurance, Classic Car Insurance, Van Insurance and Gap Insurance | |
| Value for money |
Basic Breakdown cover, Motor Legal Protection Cover, and Courtesy Car are included as standard in the Comprehensive, Black Box, Classic and Van Insurance policies | |
| Financial strength for pay out | One Call Insurance is underwritten by a panel that consists of some of the leading insurers in the UK which gives the company the ability to pay out claims. | |
| Technology |
Live chat feature |
Expert and customer reviews on One Call
We compiled expert and customer reviews from independent institutions, to give you an overall idea of One Call's reputation.
| Review organisation | Consumer satisfaction rates for One Call |
|---|---|
| Defaqto expert rating for One Call |  |
| TrustPilot | 4,4/5 based on more than 40,300 opinions |
To check if One Call is the right car insurance for you, you can use our free comparison tool and finally compare coverage features, optional extras, excess, admin fees and customer rating without having to give any personal information.
Our review on One Call car insurance policy
One Call Insurance is an insurance broker that is underwritten by leading UK insurers such as Aviva, Ageas, Covea, Highway, Allianz, Sabre, Coplus, Equity Red Star, Midas, AXA, Zenith, etc.
They offer a wide range of policies such as Comprehensive Car Insurance, Black Box Insurance, Temporary Car Insurance, Learner Driver Insurance, Van Insurance and Classic Car Insurance.
Providing basic Breakdown Cover and Motor Legal Cover across most of their policies is what differentiates them from their competitors all while offering the customers maximum value for their money.
We would recommend this company to anyone looking a reasonable priced insurance policy that comes with several benefits as standard.
What does One Call car insurance policy cover?
Are TPO, TPFT and Comprehensive covers available at One Call?
| Car insurance policy | Available at One Call | Coverage in a nutshell |
|---|---|---|
| Third-Party Only |
| |
| Third-Party Fire and Theft |
| |
| Comprehensive |
|
Keep in mind that you can always add optional extras to your policy.
Main guarantees at One Call explained in details
Let's find out what does One Call covers in its car insurance policy.
Breakdown cover at One Call
One Call Insurance offers free Basic Breakdown Cover to across the following: Comprehensive Car Insurance, Black Box Insurance and Classic Car Insurance. In total, they have 3 levels of covers:
Basic (Rescue): this cover is subject to a call-out excess of £20 and comes with the following benefits:
- Roadside assistance in the event of a breakdown
- Onward transport in case your vehicle cannot be repaired on the roadside
- Limited number of 2 call-outs per year
Gold (Rescue Plus & Home Start): this cover is not subject to any excess. In addition to the benefits that come with the Basic cover, you can expect the following: - Breakdown assistance at your home
- Wheel changes
- Overnight accommodation
- Unlimited call-outs per year
- Recovery of any caravan attached to your vehicle
Platinum (Rescue Plus & Europe): in addition to the benefits that come with the Gold Breakdown Cover, you are also covered for the following: - Mis-fuel
- Lost keys
- Breakdown assistance in the EU
Keycare cover at One Call
Details not stated.
Windscreen cover at One Call
- One Call Insurance does not offer Windscreen Cover as a policy upgrade.
- Windscreen Cover is available as standard across the Comprehensive Car Insurance Policy, and the comprehensive level of the Black Box Insurance.
- It covers windscreen and windows.
Motor legal protection at One Call
Motor Legal Cover not available as policy upgrade
Personal policy injury available at One Call
Details not stated.
Coverage abroad at One Call
The coverage for abroad insurance may vary from one underwriter to the other.
The covers will vary between 30 to 90 days with some covering the same level of cover you have in the UK while others providing only the minimum (Third Party Only) Cover while traveling abroad.
Most of the insurers will cover for EU and any country that meets the EC Directive 2009/103/EC requirements.
Gap insurance at One Call
The company will soon be able to offer Gap Insurance as one of their products.
One Call’s Gap Insurance will be underwritten by Coplus Insurance Company. It covers the following:
- It is available for vehicles with a maximum value of £125,000 or vehicles with a maximum value of £75,000 that have a claims limit of £25,000
- Policy excess of £500
- Following a total loss, the balance of the cover can be transferred to your new vehicle
- The purchase price of the cover is also inclusive of the factory and dealer fitted accessories that have been endorsed by the manufacturers.
No-Claim Bonus (NCB) at One Call
Your NCB will keep increasing every year provided you don’t get yourself involved in any incident that may require you to file for a claim or have a claim filed against you. NCD protection is available at an extra fee.
If the incident caused was not your fault and One Call Insurance was able to recover all costs from the responsible party, your NCB will not be affected. However, if they’re not able to recover the costs of the incident, your NCB will be affected.
Claims on the following will not affect your NCB:
- Windscreen cover
- Medical emergency cover
- Incidents caused by an uninsured driver.
At One Call, you can apply for the NCB protection. The NCB protection allows you to make a certain number of claims within a period without losing your No-Claim bonus.
NCB protection claims (number per year): 2 claim in 5 years.
NCB protection claims (number per year): 2 claim in 3 years.
Good to know
A No-Claim bonus is a reward that you get from driving during a long time (at least one year) without making any claim. The more years you drive without claims, the higher your NCB rate gets hence the higher the discount on your insurance premium.
One Call car insurance terms and conditions
How much does One Call car insurance cost?
You'll find below indicative car insurance quotes at One Call:
| Drivers'age | Monthly premium |
|---|---|
| 18 years old | £102,57 |
| 40 years old | £42,30 |
| 60 years old | £31,19 |
Costs of One Call insurance car policies vary widely based on different factors such as:
- The driver’s age
- The date on which they received their driving licence
- The type of car
- Expected repair costs if the car is damaged
- The performance, safety and security of the car
- The driver’s address and how busy the streets in the neighbourhood are
- Who drives the car (any additional driver on the policy)
- The driver's record of accidents and claims (number of injuries, No Claim Bonus etc.)
- Insurance taxes.
Good to know
The higher risk you represent, the more expensive your policy will be.
Is there any promo codes or discounts available at One Call?
In addition to No Claims Discount, there is potential to receive discounts on your premiums provided that you drive safely. A Discounted premium is also offered if you choose to insure a second car with One Call Insurance.
| Discount types | Comment |
|---|---|
| Discounts | Discount on premium when renewing your policy depends on your telematics reports. |
If you want to get a cheaper car insurance policy, another good way to do so is to never auto renew and always compare car insurance quotes.
Save more on your car insurance checking out our 13 tops tips to cut your insurance premiums!
One Call car insurance policy summarized
Guarantees
| At One Call | |
|---|---|
| NCB benefit | Yes |
| Uninsured driver NCB benefit | Yes |
| Loss or theft of keys | Excess- Not stated Limit- £300 - £1000 |
| Personal belongings | £100 - £300 |
| Audio equipment | Excess- Not stated |
| Medical expenses | £100 - £250 |
| Liability limit for property damage | £20,000,000 |
| Legal expense | £35000 - £100,000 |
| Courtesy car benefit | As standard |
| Courtesy car cover | Duration of repair of your car. |
| Coverage abroad | 30 days to 90 days |
Excess
| At One Call | |
|---|---|
| Fire excess | Excess- Not stated Limit- £100 - £300 for personal belongings, £500 - £750 for entertainment equipment, £100 - £300 for child car seats |
| Theft excess | Excess- Not stated Limit- £100 - £300 for personal belongings, £500 - £750 for entertainment equipment, £100 - £300 for child car seats |
| Accidental damage excess | Not stated |
| Windscreen replacement excess | Excess- £10 - £300 Limit- Unlimited or Limit of £30 - £1000 |
| Young driver excess | £300 - £1000 |
Admin fees
| At One Call | |
|---|---|
| Interest charged by payment installments | Varies but not more than 28.82% APR |
| Renewal fees | £30 |
| Cancellation fees | Cancellation fees outside cooling off period : £55.99 |
| Modification fees | Mid-Term Adjustment fee if not done through customer portal: £39 |
Other car insurance policies available at One Call
One Call black-box insurance
One Call offers Black Box Insurance as one of their insurance policies. It comes with a basic Breakdown Cover and a Motor Legal Cover as standard.
The black box uses telematics to analyse driving habits such as speed, braking, cornering and acceleration and creates a report which determines the price of the premium you’ll be charged during renewals. The better your driving score is, the lower prices you’ll get on your premium.
The black box is also equipped with GPS which can be used to track your vehicle in case it is stolen or you forgot where you parked it.
One Call classic car insurance
One Call offers Classic Car Insurance. A car is considered to be classic if it is over 15 years old.
You can expect some or all of the following benefits when taking out a Classic Car Insurance Policy depending on the underwriter:
- Basic Breakdown Cover as standard
- Motor Legal Cover as standard
- Access to classic car insurance specialists
- Uninsured driver promise
- All 3 levels of cover available: Comprehensive, FT&TP and Third Party Only
One Call short term cover
- A fully comprehensive instant Temporary Car Insurance is available at One Call Insurance.
- The cover is available for 1 to 84 days and can be extended to cover you while traveling around Europe. The cover will not affect the car’s main insurance’s NCB.
One Call learner driver car insurance
- One Call Insurance also offers Learner Driver covers.
- For learner drivers aged 17 to 25 who are using their own vehicles to learn, the cover is available for 1 to 5 months as well as annually.
- For learner drivers aged 17 to 30 and don’t have their own cars, the cover is available for 1 to 140 days.
One Call business car insurance
- Whether your insurance policy includes cover for business use or not would depend on your underwriter. We would advise you to inform your insurer of your plans on the usage of your vehicle so as to ensure that you have the right cover.
One Call van insurance
Van Insurance is available across all levels of cover: Comprehensive, FT&TP and Third Party Only.
The following benefits are available as standard:
- Basic Breakdown Cover
- Motor Legal Cover
- Tools in Transit Cover (this is subject to the level of cover you choose)
The following covers are also available at One Call Insurance:
- Courier Insurance
- Goods in Transit Insurance
- Pickup Truck Insurance
How to contact One Call auto insurance?
One Call phone numbers
You will find all important phone numbers to contact One Call car insurance:
| Contact number | Opening hours | |
|---|---|---|
Customer Service | 01302 554015 | Monday to Friday: 8am to 5:30pm |
Renewals | 01302 554010 | Monday to Friday: 8am to 8pm |
Claims | 0203 738 7300 | Available 24/7 |
Breakdown | 0203 738 7300 | Available 24/7 |
One Call other contact details
You'll find below One Call main contact details:
| Contact details of One Call | |
|---|---|
| Email address | |
| Customer account with One Call login | |
| Social media | Twitter, Facebook, LinkedIn |
| Chatbot | No |
You can also contact them by mail by writing to One Call car insurance:
First Point,
Balby Carr Bank,
Doncaster,
South Yorkshire,
DN4 5JQ
How to claim at One Call?
You can make a claim by filling an online claims form or by calling the claims department.
| Service | Car claim |
|---|---|
| Claim online | |
| Claim by phone | 0203 738 7300 |
How to cancel your car insurance at One Call?
You can always cancel your car insurance policy at any time. However, some fees may apply especially if you cancel it after the 14 cooling-off period after your contract's anniversary date.
Since car insurance is a legal requirement, One Call as well as other insurers will renew your policy automatically at the end of the policy period without any notification from your side. However, One Call has the obligation to send you a renewal notice within 7 to 21 days before your contract comes to an end. You will therefore have 14 days - the cooling off period - to cancel your policy at reduced cancellation fees.
For the same reason, if you cancel your car insurance policy, you must sign up to a new one immediately. Find out more on car insurance legal requirement.
You would need to have various documents ready such as:
- your policy number (right hand corner of your documents);
- your bank details; and
- your payment method in case there are cancellation fees.
One Call could also refuse to cover your car any longer if you don't pay for your premiums within the time allocated, or if they find out that you omitted important information that was required by the company such as your driving experience or you if have committed a fraud of any kind. This act is known as ‘fronting’.
