One Call Insurance car insurance review

One Call Insurance promises to find you the best deal. Here's our analysis of its offering.

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One Call Insurance

No-one wants to overpay for their car insurance. One Call Insurance says it will use its specialist knowledge to find you the best deal from among its panel of insurers – or elsewhere.

Who is One Call Insurance?

One Call Insurance is a car insurance broker that was established in 1995, when it offered car and home insurance to customers in South Yorkshire.

Since then, it has expanded and now offers car insurance to the whole of the UK, in addition to other financial products such as van, motorbike, home and travel insurance.

One Call Insurance Services Ltd is authorised and regulated by the Financial Conduct Authority.

What are One Call’s levels of cover?

One Call’s Third Party cover

Third party cover is the minimum level of cover that is offered by One Call Insurance. To be on UK roads, all drivers are legally required to have at least this level of car insurance. If you are responsible for causing an accident, you’ll be protected for damage to third party vehicles or property. You won’t be protected for any damage to your own car. And don’t assume this is the cheapest option because it offers the least protection. Sometimes, this cover may work out more expensive than comprehensive. Check each cover level to see which offers the best value for you.

One Call’s Third Party Fire and Theft cover

You’ll get the same level of cover as third party but this will also provide protection against any fire damage or theft of your car.

One Call’s Comprehensive cover

This is the greatest level of cover on offer and will provide the same protection as the other levels as well as insuring your vehicle against accidental damage and vandalism. It’s always worth getting a quote for comprehensive cover, as in some cases, it can be cheaper than lower levels of cover due to the risk profile of customers who choose them.


What types of car insurance are available?

  • Black box insurance. Customers have a black box fitted to their car and premiums are then based on their driving and braking habits. Discounts can be earned with good driving. Worth considering for new drivers.
  • Classic car insurance. Car cover for vehicles over 15 years old.
  • Temporary insurance. Comprehensive cover from 1 day to 28 days.
  • Learner driver insurance. Comprehensive cover from two hours to five months, which won’t affect the car owner’s no-claims discount on their own policy.
  • Specialist car insurance. Car cover for drivers of certain classic, modified, imported or kit cars.

What is covered under my One Call Insurance policy?

The specific benefits to your insurance policy will vary depending on the level of cover you choose and the insurer that is able to provide the cover through One Call Insurance.

Check your policy details to ensure you have the right cover for your needs.

Optional extras

One Call Insurance offers policy bolt-ons including:

  • Breakdown cover
  • Legal cover
  • Vehicle hire
  • Motor excess reducer

General exclusions

Any cover arranged through One Call Insurance is likely to become invalid if any of the following arises:

  • You are paid to carry passengers.
  • You fail to pay for your premium.
  • Your car is being driven by an unnamed driver on your policy or by a person that does not have a valid driving licence.
  • Your car is used for rallies, races or competitions.
  • You change your car during the policy term to a car that the insurer cannot cover.
  • You do not provide the correct documents to support your application.

Check your policy for further details to confirm your cover is valid.

How to save on your car insurance policy through One Call Insurance

  • Check comprehensive. Contrary to what you might expect, comprehensive cover can be cheaper than third party (TP) or third party, fire and theft so it’s always worth checking. This is because of the risk profile of many people who get TP.
  • Park securely. Cars kept in a garage or on a secure driveway are usually cheaper to insure.
  • Reduce mileage. If you start working part-time or your long commute becomes much shorter, letting your insurer know about a reduction in your mileage could result in cheaper insurance.
  • Increase the excess. Agreeing to pay a bigger voluntary excess could make your overall premium cheaper. But remember that your insurer won’t pay out for a claim that costs less than your excess. So be careful about making it too high, as it could leave you out of pocket if damage occurs.
  • Pick a smaller car. Choosing to drive a small and safe car is likely to lower your premium

What is my excess?

Your insurance excess is the amount of money you have to pay towards a claim. Your insurer won’t pay out for a claim that costs less than this amount.

A voluntary excess is normally an amount set by you when taking out a policy. You’ll have the option of adding or increasing a voluntary excess, which could in turn reduce your premium.

Meanwhile, a compulsory excess amount might vary depending on the age of your car and your driving experience.

You’ll find details about any compulsory or voluntary excesses in your policy document.

What is the claims process for One Call Insurance?

You should call the One Call Insurance Accident Helpline on 0203 738 7300 to report a claim. This 24-hour helpline is open seven days a week. You’ll need to have the following information to hand:

  • Personal details and insurance policy details
  • Facts about the incident
  • Names and contact details for all third parties involved
  • Registration numbers for all vehicles involved
  • Details about any injuries sustained
  • Names and contact details for any witnesses
  • Police officer and report references, if applicable

It’s important that you let your insurer know about an incident as soon as possible, even if it’s not your fault. Failure to do this could result in a rejected claim later on.

Frequently asked questions


Please take reasonable care to answer all the questions honestly and to the best of your knowledge. If you don't answer the questions correctly, your policy may be cancelled, or your claim rejected or not fully paid. The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you.
*51% of consumers could save £200. Quote aggregator Seopa split the insurers on its comparison systems into different categories. It then selected quotes from the most popular providers as well as quotes from other providers which returned a price. It then selected providers, weighting them according to UK insurance market share (data from the Association of British Insurers), choosing the cheapest of either the most popular providers or other providers ("the cheapest selected quote"). Seopa then compared the cheapest quote on its system against this "cheapest selected" quote. The company then took the savings figure which 51% or over could have saved, using that formula. The savings you could achieve will depend on your individual circumstances and how you selected your current insurance supplier.
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