One Call Car Insurance Review

James Rodriguez James Rodriguez updated on July 31, 2020

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 ratingOur opinion
Customer service & satisfaction

Live chat feature
High customer satisfaction rate on Trust Pilot and
Online quote generation and application
24/7 Claims line

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
Works with a panel of leading insures such as Aviva, Ageas, Covea, Highway, Allianz, Sabre, etc to offer their insurance policies
Up to 90 days European travel cover available
Basic breakdown cover across all car insurance policies available as standard

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
Availability of No Claims Discount
Reasonably priced premiums
Potential to acquire discounted premiums for Black Box Insurance
High renewal fee of £30
High cancellation fee of £55.99

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.


Live chat feature
Online application process
User friendly website
Easily accessible policy documents
Black Box Insurance

Safe rating for One Call

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 organisationConsumer satisfaction rates for One Call
Defaqto expert rating for One Calldefaqto 1 star 1
TrustPilot4,4/5 based on more than 40,300 opinions
Consumer satisfaction rates on reviews for One Call

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.

Finally, compare best car insurance in less than 20 secs without giving your email.
No spamming, promise.


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 policyAvailable at One CallCoverage in a nutshell
Third-Party Only
  • Passengers and third party covered
  • Policyholder is not covered for any injuries or damages
Third-Party Fire and Theft
  • Replacement of your car if stolen
  • Damages caused due to theft or fire
  • Cover third-party fire and theft
  • Covers injuries to you and damages to your car
Car insurance level of cover available at One Call

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.

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'ageMonthly premium
18 years old£102,57
40 years old £42,30
60 years old£31,19
Quotes above are for a comprehensive car insurance - eco car, clean record driver, Liverpool

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.

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 typesComment
DiscountsDiscount on premium when renewing your policy depends on your telematics reports.
Discounts and cashbacks available at One Call

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


At One Call
NCB benefitYes
Uninsured driver NCB benefitYes
Loss or theft of keysExcess- Not stated
Limit- £300 - £1000
Personal belongings£100 - £300
Audio equipment

Excess- Not stated
Limit- £500 - £750

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

Guarantees at One Call


At One Call
Fire excessExcess- Not stated
Limit- £100 - £300 for personal belongings, £500 - £750 for entertainment equipment, £100 - £300 for child car seats
Theft excessExcess- Not stated
Limit- £100 - £300 for personal belongings, £500 - £750 for entertainment equipment, £100 - £300 for child car seats
Accidental damage excessNot stated
Windscreen replacement excessExcess- £10 - £300
Limit- Unlimited or Limit of £30 - £1000
Young driver excess

£300 - £1000

Excess at One Call

Admin fees

At One Call
Interest charged by payment installments

Varies but not more than 28.82% APR

Renewal fees


Cancellation fees

Cancellation fees outside cooling off period : £55.99

Modification fees

Mid-Term Adjustment fee if not done through customer portal: £39
Mid-Term Adjustment fee if done through customer portal: £24

Admin fees at One Call

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 numberOpening hours

Customer Service

01302 554015

Monday to Friday: 8am to 5:30pm
Saturday and Sunday: 8am to 4pm


01302 554010

Monday to Friday: 8am to 8pm
Saturday and Sunday: 8am to 6pm


0203 738 7300

Available 24/7


0203 738 7300

Available 24/7

Contact numbers at One Call

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

My account

Social mediaTwitter, Facebook, LinkedIn
Contact details at One Call

You can also contact them by mail by writing to One Call car insurance:

First Point,
Balby Carr Bank,
South Yorkshire,

How to claim at One Call?

You can make a claim by filling an online claims form or by calling the claims department.

ServiceCar claim
Claim online

Online claim form

Claim by phone

0203 738 7300

Claim process at One Call

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:

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’.