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One Call Insurance temporary car insurance review

We’ve checked out the temporary car insurance through One Call Insurance. The broker says it can arrange instant cover for 1 day up to 28 days, and can cover learner drivers. Here’s what else you need to know.

The temporary car insurance offered through One Call Insurance comes comprehensive as standard and won’t affect a no claims bonus. What’s more, the policies can be enhanced with extra protection such as breakdown or European use cover. Read our analysis here.

Compare temporary car insurance quotes

  • Policies available from 1 to 28 days
  • Get instant quotes and instant cover
  • Compare the best prices

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 annual car insurance to the whole of the UK, in addition to other financial products such as van, motorbike, home and travel insurance. It also offers temporary car insurance.

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

One Call Insurance’s policy features

  • Flexible insurance. You can choose cover from just one day up to 28 days.
  • Comprehensive cover. The highest level of cover comes as standard. If you are responsible for causing an accident, you’ll be protected for damage to other people’s vehicles or property and for your own vehicle against accidental damage and vandalism. You’ll also have protection against any fire damage or theft of your car.
  • Unaffected annual no claims discount. A claim made on a temporary policy won’t affect any annual no claims discount built up.
  • Instant cover. Get instant cover from the moment you purchase.

What does One Call Insurance’s temporary cover include?

Here are some of the benefits of One Call Insurance’s temporary car insurance:

  • Legal liability
  • Loss or damage by fire, theft or vandalism
  • Accidental damage
  • Breakdown cover (optional)
  • EU cover (optional)

Can anyone take out One Call Insurance’s temporary car insurance?

Unfortunately not. To get short-term car cover, both you and the car must meet One Call Insurance’s eligibility criteria:

You must:

  • Be aged 19-75 (or 17+ for learner drivers)
  • Have a full and valid UK, EU, EEA, South African, Australian or New Zealand driver’s licence, held for at least three months (six months for under-25s)
  • Have a permanent address
  • Have had no more than 2 fault claims in the previous 3 years
  • Have no more than 9 penalty points on your driver’s licence
  • Not have been disqualified from driving within the previous 18 months
  • Have had no criminal convictions within the previous 5 years

The car must:

  • Be registered in Great Britain, Northern Ireland or the Isle of Man
  • Have no more than 8 seats including the driver’s seat
  • Not have had any cosmetic or performance-related modifications (some other modification exceptions apply)
  • Not be impounded
  • Not be on loan from a vehicle hire company
  • Not have been imported
  • Not be used to carry goods or passengers for hire or reward
  • Not be used to carry hazardous goods

What is my excess?

Your insurance excess is the amount of money you have agreed to pay towards a claim. Your insurer won’t pay out for a claim that costs less than your excess. A compulsory excess amount might vary depending on the age of your motorbike and your riding experience.

A voluntary excess is on top and is normally set by you when taking out a policy. You’ll have the option of adding or increasing a voluntary excess – which should lower your premium.

All temporary car insurance policies offered to One Call Insurance customers have a compulsory excess of £250 up to £1,250, depending on the length of cover required, the age and experience of the driver and the age and condition of the vehicle amongst other factors.

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

What is the claims process for One Call Insurance’s temporary car insurance?

You should call the DayInsure claims line on 08000 156 166 to make a claim. This 24-hour claims line is open 7 days a week.

You will need to provide the following information:

  • Your own insurance policy details
  • Details about the incident
  • Names and contact details of everyone involved in the incident such as third parties, passengers and witnesses
  • Details about the damage or injuries sustained

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

Pros and cons for One Call Insurance

Pros

  • Making a claim won’t affect a no claims discount built up on an annual policy
  • Comprehensive cover as standard
  • The cover can begin instantly
  • Cover can be enhanced with extra protection

Cons

  • You can only pay upfront
  • Cover for a maximum of 28 days only

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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