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.
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 acts as an introducer to the temporary insurance from Dayinsure.com Ltd. All Dayinsure policies are underwritten by Aviva Insurance Ltd.
Aviva Insurance Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation 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:
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
Yes. One Call Insurance offers separate temporary car insurance to new customers.
Yes. If you wish, temporary cover can start instantly.
No, you will only be able to pay for your temporary car insurance policy in one upfront payment.
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*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
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