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.
One Call Insurance works with a panel of insurers, including Ageas, Covea, Highway, Aviva, Allianz and Sabre, amongst others.
It is authorised and regulated by the Financial Conduct Authority.
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.
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:
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
A quote from One Call Insurance is valid for seven days.
Yes, One Call Insurance offers policies that can be paid in full or by monthly direct debit payments.
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. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (July ’24). 51% of car insurance customers could save £523.17
Liz Edwards has been a consumer writer and editor for more than 20 years. She led award-winning teams at the campaigning publisher Which?, and has covered a range of consumer rights and personal finance topics including pensions, credit, banking and insurance. Liz has appeared frequently in national media such as The Sun, Metro, HuffPost and The Independent. She loves to cut through waffle to give consumers the real lowdown. And she loves puns. See full bio
Liz's expertise
Liz has written 90 Finder guides across topics including:
Find out how agreed value car insurance works and if it’s the right option for you.
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