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What Is One Call Car Insurance and What Does It Offer?

One Call Insurance is a part of One Call Insurance Services Limited. It started in 1995 and is located in Balby Carr Bank, South Yorkshire. The company offers different types of insurance products, like car, home, and van insurance. As a company regulated by the Financial Conduct Authority (FCA), One Call provides customers with peace of mind. They work with trusted insurers like AXA and Zurich. One Call lets drivers customise their car insurance policies. This includes added benefits such as free breakdown membership, protection for uninsured drivers, and motor legal cover.

One Call does not just offer car insurance. They also provide home insurance and several other products. This makes them a flexible broker for people who want full coverage.

Key Features of One Call Car Insurance

  • Free Breakdown Membership: Comes with all car insurance policies.
  • Uninsured Driver Promise: Keeps your no-claims discount safe if you are hit by an uninsured driver.
  • 24-Hour Claims Line: You can call claims anytime with a UK team ready to help.
  • Free Motor Legal Cover: This is included with every policy.
  • Additional Driver Bonus Builder: Named drivers can build their own No Claims Discount (NCD).
  • Flexible Payment Options: You can choose to pay monthly or yearly to fit your budget.

How Can I Get a One Call Car Insurance Quote?

Use our online car insurance comparison to get a quote. Just enter your vehicle details on the One Call website. This tool looks at quotes from several FCA-approved insurance providers. This means you can find competitive prices. You can also check and compare previous quotes later. They are available in the customer portal, where you can access your policy documents easily. By using One Call’s service, you become your own broker. This lets you make an informed decision without outside pressure.

One Call Insurance Over Other Providers

Why Choose One Call Insurance Over Other Providers?

One Call is special because of the benefits it provides, like free motor legal cover, uninsured driver protection, and a claims line that is available 24 hours a day. You get these perks with every policy, adding value without extra costs. They also have the Additional Driver Bonus Builder. This lets named drivers create their own No Claims Discount (NCD), which they can use on their own policy later.

One Call Insurance Services Limited is a rare independent broker in the UK. They use their connections with top insurers to offer good prices to customers. Unlike many brokers, One Call does not work with unrated insurers. They only partner with insurers that have been checked for financial stability by international rating agencies.

What Are the Levels of Cover Provided by One Call?

One Call has three main types of car insurance coverage:

  • Fully Comprehensive: This plan protects you in many ways. It covers damage to your car, other people's cars, theft, and fire. This gives you the best protection available.
  • Third Party, Fire and Theft (TPFT): This plan covers damage to other people's cars, fire damage, and if your car gets stolen. It is a good middle option.
  • Third Party Only (TPO): This is the minimum legal cover you need in the UK. It covers damage you cause to other vehicles or property, but it does not cover your car.

Customers can pick from these cover options that suit their needs. They can also change the voluntary excess to lower their premiums.

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Does One Call Offer Free Breakdown Membership?

Yes, One Call offers free breakdown membership with every car insurance policy. This benefit includes basic roadside help. You can pay a little extra to get more coverage if you want. This feature is worth around £39. It gives good value to your policy and keeps you from having to deal with separate breakdown cover. One Call is committed to providing cost-effective solutions. This helps customers not pay for several services at once.

What Is One Call's Uninsured Driver Promise?

One Call’s Uninsured Driver Promise helps you if you have an accident with an uninsured driver. With this promise, your no-claims discount will stay safe, and you will get your excess money back. To use this promise, you need to provide the uninsured driver's registration number, make, and model of the vehicle. This promise gives you the assurance that you will not face financial problems for something you can't control.

Can I Add a Named Driver to My One Call Insurance Policy?

Yes, you can add named drivers to your One Call insurance policy. The Additional Driver Bonus Builder lets named drivers create their own No Claims Discount (NCD). They can later move this discount to their own One Call policy. This feature makes One Call a popular choice for families or households with several drivers. The choice to add named drivers at any time during your policy is a great benefit for many customers.

How Do I Cancel My One Call Car Insurance Policy?

To cancel your One Call car insurance policy, you can reach out to their live chat team or call customer service. If you cancel within 14 days, you won't have to pay any fees. However, if you wait until after this period, there may be a small fee for administration. If you're close to your renewal date and want to cancel, it's best to contact One Call early. This helps you avoid automatic renewal. If your policy renews at a new price and you want to cancel, you can negotiate or cancel without facing big penalties.

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What Add-Ons Are Available with One Call Car Insurance?

One Call has several optional add-ons. They let you customise your policy to fit your needs. Here are some options:

  • Windscreen Cover: This covers the cost of fixing or replacing broken windscreens.
  • Car Keys Cover: This helps pay for replacing lost or broken car keys.
  • Audio Equipment Cover: This covers up to £500 for audio gear not installed by the car's maker.
  • New for Old Replacement: This applies to cars under 12 months old that are declared a total loss.
  • Driving Other Cars (DOC): This covers damage to third-party property when you drive another person's car.

These add-ons help improve your protection. They make sure that you are safe in every situation.

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Can I Manage My Policy Through the One Call Customer Portal?

One Call has a customer portal for policyholders. You can manage your policies online through this portal. Customers can view and download policy documents. You can also make changes to your policies and update personal information, like a change of address. The portal is easy to use. It gives you access to important information about your insurance at any time, day or night.

How Do I Contact One Call Insurance for Claims or Support?

You can contact One Call’s claims line anytime at 0203 738 7300. If you have a non-urgent question or need to manage your policy, you can use their live chat service. Their team is based in the UK and is there to help you with claims, support, and other questions. If you want to talk directly to the support team, you can call customer services at 01302 554015.

What Is the Process for Making a Claim with One Call?

If you want to make a claim, you can call One Call’s claims line anytime, day or night. Make sure to have important details ready. You will need to share the date and time of the incident. Also, provide the registration numbers of the vehicles involved. If police officers were at the scene, include any information they gave you. After you provide all the details, the claims team at One Call will work on your claim. They will keep you updated on the progress.

One Call’s 24-Hour Claims Line Work

How Does One Call’s 24-Hour Claims Line Work?

The 24-hour claims line at One Call lets policyholders report incidents anytime. Whether it's a small crash or a big accident, One Call’s team in the UK will help you with your claim from beginning to end. This service is important for solving accidents quickly and well, giving customers support when they really need it.

Is One Call Car Insurance Suitable for Young or Learner Drivers?

One Call has several policies designed for young drivers. They offer telematics insurance. This type of insurance uses a black box to track how you drive. If young drivers drive safely, they can get lower premiums over time. One Call also has learner driver insurance. This coverage lets learners practice in their own cars. Both these options are affordable and give important protection for new drivers.

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How Can I Save Money on My One Call Car Insurance Premiums?

There are several ways to lower your One Call car insurance costs:

  • Raise your voluntary excess.
  • Use a telematics black box to track your driving and possibly lower your premium.
  • Grow your No Claims Discount by not making claims.
  • Choose third-party fire and theft cover if you don't need full coverage.
  • Pay your premium once a year, not monthly, to steer clear of interest fees.

By following these steps, you can make sure you get a good price for your car insurance.

Can I Get Temporary Car Insurance from One Call?

One Call has Short Term Car Insurance. This type of insurance covers you for one day to several months. It is great for when you need temporary coverage. For example, you might need it if you borrow a friend's car. It is also useful for covering a new vehicle until you can get long-term insurance.

What Do Customer Reviews Say About One Call Insurance?

One Call Insurance has a TrustScore of 4.4 out of 5. This score comes from 94,638 reviews on Trustpilot. About 75% of customers gave it a 5-star rating. Many customers love the affordable prices, fast quotes, and complete policies. Also, 91% of the reviewers suggest One Call Insurance. They point out helpful features like free breakdown cover and the ease of managing policies through the customer portal.

One Call Insurance Customer Ratings

Does One Call Offer Telematics or Black Box Insurance?

One Call offers Telematics Insurance, which is also called black box insurance. This kind of policy checks how you drive. It looks at your speed, braking, and when you drive. Many young drivers like this type of insurance because safe habits can lower their costs. It helps drivers save money based on how well they drive, not just their age.

How Does One Call Compare to Other Insurance Brokers?

One Call stands out from other brokers. It offers features like free motor legal cover and breakdown membership at no extra cost. As one of the few independent brokers in the UK, One Call partners with well-known insurers. This means you can get competitive quotes. Unlike some brokers that use unrated insurers, One Call works only with trusted companies. These companies have strong financial strength ratings, which gives customers more peace of mind.

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What Should I Know About One Call’s Voluntary Excess Options?

One Call lets you pick a voluntary excess to help you pay less for your insurance. This amount is added to the required excess. So, if you set a higher voluntary excess, your premium will be lower. However, it’s important to select an amount you can afford if you need to make a claim. This choice helps drivers manage the cost of their policy based on their financial situation.

FAQs About One Call Car Insurance

If you are in an accident, call One Call Claims Limited right away using their 24-hour claims line. Give them all the important details. This includes the registration number of the vehicle and any info from the authorities. The claims team at One Call will help you with the process. They will make sure you have enough information to move forward without issues. Keep your insurance details and any important documents close. This will help get things sorted out faster.

Yes, One Call has Third Party, Fire, and Theft cover. This type of cover helps protect you from third-party claims, fire damage, and theft of your vehicle. It is a reasonable choice for drivers who do not want the full protection of comprehensive cover, but still need important safety features.

When you move to One Call Insurance, you need to share your past claims history. This info is important for figuring out your premium and making sure you have the right cover. One Call will look at how many years you have gone without claims. This helps to see if you qualify for a No Claims Discount.

One Call has a feature called Lifestyle Excess Protection. This feature helps you pay your excess cost when you make a claim. It can give you financial relief, especially when you need a lot of repairs. It is also helpful if your case involves another accident management company.

To contact One Call Claims Limited, visit their website. You will find the contact details for their claims line, which is available 24 hours a day. You can also look at the information booklet you received when you bought your policy. This booklet has important numbers and steps. It guides you on how to file claims, manage accidents, or use the basic home emergency cover available in some policies.

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Page last updated on: 16/12/2024

Page reviewed by: Shay Ramani

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