One Call Home Insurance Review and Quotes

antoine fruchard Antoine Fruchard  updated on July 27, 2020

Would you like to protect your home against any damage or an unfortunate event such as a house fire or theft? 

Are you wondering if One Call is the best home insurance company to protect your house?

You’ve come to the right place. 

This ultimate and up-to-date review on One Call home insurance gathers all you need to know: consumers reviews, cover details, prices, claim process, contact numbers and much more. Let’s dive right into it.

Is One Call the best insurance company for you?

Getting the best home insurance deal is not just about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good pay-out if your home is damaged as a result of an unfortunate event such as theft, fire or natural disaster.

At Safe, we’ve studied in detail One Call’s home policy terms and conditions and given our own ratings based on different criteria for combined building and contents insurance policy.

4,4 Safe overall rating for One Call

Safe ratingOur opinion
Customer service & satisfaction
and claims

4.4/5 rating on TrustPilot
4.5/5 rating on
Customer Portal is available
24/7 Claims Helpline

Cover provided for your home

Contents cover up to £75,000
Cover for Contents temporarily removed from home up to £3,000
Free Home Emergency Cover
Free Legal Advice cover
£500 000 worth of cover provided for building insurance which is on the low side

Value for money

There is an option to buy a combined policy
£39.00 is charged for adjustment
£30.00 is charged for renewals
28.82% APR

Financial strength

The insurance policy provided by One Call is underwritten by a number of insurers like Aviva, Allianz, Ageas, Axa, Legal & General, Prestige, etc.


Live chat option is available
Social media availability
Policy documents are available
Customer service portal is available

Safe rating for One Call home insurance

Expert and customer satisfaction reviews for One Call home insurance

Review organisationOne Call home insurance reviews

Defaqto expert

Not available

TrustPilot4,4/5 based on 43,578 customer reviews

4,5/5 based on 143,976 customer review

Consumer satisfaction rates on reviews for One Call home insurance

Our general opinion on One Call home insurance

One Call Insurance was founded in 1995 and they offer whole of the UK great car insurance quotes, as well as offering home insurance, van insurance, commercial insurance, short term insurance, learner driver insurance and travel insurance. One call insurance is underwritten by a number of insurers like Ageas, Axa, Allianz, Bell, LVand anyone can be chosen. However, the Home emergency and Legal Protection services are administered and underwritten by One Call.

One call offers only one level of cover which includes insurance services for buildings and contents of buildings.

The buildings cover offers owner liability cover of up to £2M, 10% of sum insured for alternative accommodation, trace access cover of £5000, cover for burst pipe, ground water, underground services, subsidence, flooding. There is also the option to get legal protection cover and ‘home emergency’ cover as optional extras.

Contents insurance protects your belongings from damage, fire and theft, with an option for accidental damage. One Call in collaboration with Allianz offers up to £75000 for content building insurance, £3000 worth of cover for student’s belongings, £5000 worth of cover for business equipment and many others. Their services are recommended as they offer affordable insurance rates.

They have a high rating of 4,5/5 on and a high rating of 4,4/5 rating on TrustPilot. There is no recorded rating on Defaqto. Their services are recommended as they are reliable and offer affordable insurance.

What does One Call home insurance cover?

What is more important than protecting your home – the roof under which you sleep with your loved ones? 

Applying for home insurance at One Call will allow you to protect the structure of your home (buildings insurance), what is inside (contents insurance) or both (combined buildings and contents insurance). 

Without home insurance, your home is exposed to any kind of risk, from a minor water leak to a fire, and you are liable for any repairs – whatever the cost this represents. 

Home insurance at One Call covers you for any damage made as a result of an unfortunate event such as theft, fire and natural disaster causing leaks, flooding, etc.

One Call buildings and contents insurance

One Call provides three main types of household insurance: 

  • Buildings insurance
  • Contents and personal possessions insurance
  • Combined policy

Buildings insurance covers the structural aspects of your home. It will cover any damage made to your walls, floors, ceiling, windows, outbuildings, garages, etc. You can also extend your buildings insurance to permanent fixtures such as bathrooms, etc. Buildings insurance is for homeowners.

If you buy your property and get a mortgage for this, you will be asked to provide valid buildings insurance. Buildings insurance is not mandatory, though. However, you must know that an average claim for repairing a burst pipe for example is £25 000.

Contents insurance will cover any damage made to your belongings inside your home or in your garden (TV and other appliances, furniture, etc). In other words, it will cover anything which is not structural.

House contents insurance is highly recommended (especially in case you get burgled or if you are renting a furnished flat) but is not mandatory.

In the event of a fire, for instance, buildings insurance will give you compensation for your home structure, your walls, roofing or other structural elements damaged during the fire, and contents insurance will cover any damage made to your household appliances, furniture, jewellery and so on.

You will find below policy details for building and contents insurance:

One Call building insuranceLimits
Maximum sum insured

£500 000

Owner liability

£2 000 000

Alternative emergency accomodation

10% of sum insured

Period of home’s unoccupancy cover

60 days

Repairs guarantee period

1 year

Trace and access

£5 000

Burst pipe

As standard

Blockage of sewer pipe

Not covered

Gradual build-up of groundwater

As standard


As standard

Underground services

As standard

Keys cover

£1 000

Flood and storm damage (except for fences)

As standard

One Call building insurance

Limits mentioned above are part of the total sum you insured with your insurer when applying for home insurance (and not in addition to).

Let’s have a look now at Esure contents insurance limits:

Contents insuranceLimits
Maximum sum insured

£75 000

Owner liability

£2 000 000

Alternative emergency accomodation

10% of sum insured

Period of home’s unoccupancy cover

60 days

Damage made by pets

Not covered

Contents kept in garden

£1 000

Contents kept in outbuildings (garage included)

15% of content sum insured

Thefts from outbuildings

15% of content sum insured

Single item limit for valuables

15% of content sum insured

Items temporarily removed from home

£3 000

Money in and outside the homeInside:



Not Stated

Credit cards in and outside the homeInside:

Not Stated


Not Stated

Business equipment kept at home

£5 000

Student equipment

£3 000

Keys cover

£1 000

One Call contents insurance

One Call home insurance additional cover

On top of your One Call buildings and contents insurance, you can find additional cover such as:

Home insurance additional cover
Accidental damage cover

Optional extra

Home emergency
  • Optional extra
  • 24/7 emergency service
  • Up to £250 to cover labor, costs of materials and parts
Boiler cover
  • Part of the home emergency optional extra
  • Boiler repair is covered
Legal protection
  • Optional extra
  • Up to £50,000 for legal representation
Personal possessions
  • Optional extra
  • Up to £1000 cover for items away from home
Mobile cover

Not Covered

Bicycle cover
  • Optional extra
  • Limit is £3000

One Call home insurance excess

The deductible you’ll have to pay in case of claims are as described below:

For both building and contents insurance
Excess for standard claimsNot Stated
Excess for escape water claimsNot Stated
Excess for subsidence claimsNot Stated
Excess for personal possessionsNot Stated
Excess for keysNot Stated
One Call home insurance main excess

One Call home insurance fees and NCD

To manage your policy, renew, cancel or modify it, One Call fees are as follows:

Fees applied to manage your One Callhouse policy
Interests on payment installments28.82%
To renew my policy£30
To adjust my policy£39
To duplicate documents£9
To cancel my policy during cooling-off period£50
To cancel my policy outside cooling-off period£56
For payment default£30
To switch from one insurer to One CallNot covered
Home insurance fees at One Call

How much does One Call home insurance cost?

You will below indicative quotes for building and contents insurance at One Call:

Building insuranceContents insurance
ExcessNot StatedNot Stated
Home coverBuilding: £250 000
Contents: £20 000
Personal items: £4 000
Building: £500 000
Contents: £50 000
Personal items: £8 000
Home insurance quotes at One Call

It is very difficult to give a precise range of how much exactly will your home insurance cost at One Call as it will mainly depend on:

  • The insurance you apply for (building, contents, combined insurance, extras)
  • Your address
  • Your claim record
  • The insured value of your home and of your personal belongings, etc.

One Call will establish a risk rate, taking into account all these elements, and offer you a price based on it. 

The average cost of combined buildings and contents insurance in 2018 was £163, with contents insurance usually counting for a third of the premium (around £60) and building insurance for the rest (around £110). However, premium will be higher if you buy stand-alone building or contents insurance.

Do you want to compare the cheapest home insurance quotes? It couldn’t be easier. Just do a quick home insurance comparison using our comparison tool below. It takes only 15 seconds and is completely neutral and 100% anonymous.

One Call home insurance discounts available

No discount available.

How do I a claim on One Call home insurance?

Claims can be made by calling the company’s 24/7 line.

You will be asked to provide your insurance policy number as well as details on claim circumstances such as date and time, pictures or other person involved.

How to claim on One Call home insurance?
Claim by phone

02037 387 300

How to claim on my home insurance at One Call

If you claim is related to a criminal incident (theft, fire etc), you must call the police upfront.

How can I cancel One Call house insurance?

To cancel your One Call house insurance, here is what you need to know: 

Cancelling your home insurance at One Call
Cancellation notice if One Call cancel your policy14 days
Cancellation feesFees during cooling-off period: £50
Fees outside cooling-off period: £56
Cancel by mail

The Renewals Department
One Call Insurance Services Limited
First Point
Balby Carr Bank

Cancel online

The Live Chat team can be contacted for cancellation.

Cancel by phone

0130 255 4013

How to cancel my One Call home insurance

How to contact One Call home insurance?

ServicesPhone numbersOpening hours

01302 554013

Monday – Friday, 9:00am – 8:00pm
Saturday & Sunday 9:00am to 4:00pm

Policy change

01302 554013

Monday – Friday, 9:00am – 8:00pm
Saturday & Sunday 9:00am to 4:00pm


01302 554013

Monday – Friday, 9:00am – 8:00pm
Saturday & Sunday 9:00am to 4:00pm

24-Hour Accident Helpline

0203 738 7300



01302 554013

Monday – Friday, 9:00am – 8:00pm
Saturday & Sunday 9:00am to 4:00pm

How to contact One Call home insurance

One Call home insurance contact details

One Call contact details
One Call address

One Call Insurance
First Point, Balby Carr Bank
United Kingdom

Customer service email

Not available

Chatbot available

Live chat is available

One Call contact details

How do I log in to One Call customer portal?

You can login by clicking on the "Customer Portal" option on the Homepage of the website. The login details will be requested for.

How do I get One Call home insurance quotes? 

To get a quote online at One Call, it couldn’t be simpler. 

You can go on our home insurance comparison tool here and compare the main home insurance deals on the market. If One Call is the company that best suits your needs, then you just click on the ‘Get quote’ button and follow the whole process explained online.

To get One Call home insurance quotes, you will need to provide:

  • Your personal information: ID, age, phone number and job
  • Your address and postcode
  • Your homeowner record (claims included)
  • Your home description (type of property, the date it was built, how many square metres inside and outside)
  • Your property related status: do you own it, rent it, have a mortgage on it, etc.
  • Extras you’d like to get on your home insurance, contents sum insured and the excess you’d like to pay.

The types of questions you will be asked are typically:

  • Are you a first-time buyer?
  • Has the property ever suffered from subsidence, cracking, subsidence or undergone any underpinning (or showed any signs)?
  • Has the property ever been damaged by flood?
  • Has anyone living permanently at the property made any home claim(s) for loss or damage in the past X years (usually 3) or had any claim(s) made against them? etc.

5 tips to reduce your One Call house insurance quote

  • Always shop around on home insurance comparison sites. If you do not auto renew and instead apply for new home insurance, you will easily be able to lower your house insurance cost and benefit from new customer discounts.
  • Increase the excess amount you are willing to pay in case you make a claim.
  • Choose the level of cover that is right for you. Insure with the right sum for both your buildings and contents insurance. If you do not have high value items, consider an ‘indemnity’ contents insurance rather than a ‘new for old’ one.
  • Opt for a policy offering No Claim Bonus to lower your premium if you’ve gone for a few years without making any claim.
  • Consider index-linked cover for building insurance to follow prices of building materials.