Who is One Call?
One Call is a UK based insurance broker, founded in 1995 and headquartered in Doncaster.
Beginning with home and auto insurance policies in the local area, One Call now handles nationwide brokerage insurance policies ranging from travel and health to pets and business.
If you purchase an insurance policy through One Call, it will be underwritten by the relevant provider. However, as a broker, One Call takes care of the sale, administration and any claims you may have on the policy.
One Call – and every car insurance provider it works with – is fully regulated and authorized by the Financial Conduct Authority (FCA).
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Why should I consider One Call?
There are several types of car insurance policies available through One Call:
- Back to back insurance
- Third party insurance
- Liability, fire and theft insurance
- Specialized auto insurance
- Classic car insurance
- Temporary car insurance
- Learner driver insurance
- Guaranteed asset protection insurance
- Caravan insurance
All car insurance policies purchased through One Call include basic breakdown cover and legal cover as standard, and you’ll get a second car discount if you choose to insure another vehicle.
Uninsured driver protection is also included in One Call’s policies as standard. In addition, all drivers named on a One Call policy set their own no claims discount for each year they go claim free.
Comprehensive insurance policies sold through One Call come with additional benefits, such as a free rental car if yours is off the road or written off after a claim that was not your fault, and a windshield protection. Submitting a windshield repair claim will not affect your non-claim discount.
One Call’s car insurance services are rated one out of five stars by Defaqto.
How to contact OneCall
One Call operates a live chat service for new and existing customers through its website. The service operates from 8 a.m. to 8 p.m. Monday to Friday and from 9 a.m. to 4 p.m. on Saturdays and Sundays.
Alternatively, you can get in touch via their Twitter handle, @OCinsuranceUK or their Facebook page.
To make a complaint, you can call the company’s 24-hour complaints line on 0203 738 7300.
How to find the best coverage for you
When comparing auto insurance policies, there are a few things to keep in mind beyond price.
It can be tempting to choose the cheapest policy available, but that can leave you without the right level of cover – which can be more expensive in the long run if you have to make a claim.
Be sure to check the level of cover you will get from each policy you are considering. Some fonts may look more expensive on paper, but come standard with something you’ll have to pay extra for from another vendor.
Why it makes sense to compare policies and providers
Traditionally, auto insurance companies have offered their best deals to new customers, leaving existing policyholders to pay more with each renewal.
But since January 2022, new rules from the Financial Conduct Authority (FCA) mean car insurance companies are not allowed to charge existing customers more for a renewal than they would charge new customers for an equivalent policy.
Despite the new rules, it’s still a good idea to shop around for your auto insurance every year to make sure you’re still getting the level of cover you need at the best price.
Along with comparing prices, coverage levels, and benefits, it’s also worth researching customer reviews on independent review websites like Trustpilot. This can help you get an idea of how existing policyholders rate their coverage and customer service.
Defaqto also awards stars to insurers, which can provide a good induction of the level of service they provide.